Overview
Reliance Health Gain Power is a mid-tier variant within the Reliance Health Gain portfolio, offering customizable health insurance coverage with sum insured options of ₹10 lakhs, ₹15 lakhs, and ₹20 lakhs. It includes benefits such as unlimited restoration of the sum insured through an add-on (default restoration 100% once for different illness & 20% for same illness), coverage for modern treatments up to 50% of the base cover amount, pre- and post-hospitalization expenses (for 60 days each), and daycare procedures up to the cover amount. Add-ons like reduced waiting periods for pre-existing diseases, enhanced coverage for consumables, and room rent preferences make it a flexible and personalized plan.
Experts Review
Written by Nikhil Nair
Senior Writer
The Reliance Health Gain Power plan is designed for individuals and families looking for customizable health insurance with mid-range coverage options. One of its standout features is unlimited restoration of the sum insured via an add-on, ensuring financial security during multiple claims in a policy year.
Additionally, it covers modern treatments such as robotic surgeries and oral chemotherapy without sub-limits (up to 50% of base sum insured), making it suitable for advanced medical needs.
The plan’s flexibility is enhanced by optional add-ons such as reducing the pre-existing disease waiting period from 36 months to 24 or even 12 months, which can be particularly beneficial for those with chronic conditions.
Other add-ons include enhanced consumable coverage (e.g., syringes and PPE kits), health checkups, and room rent modifiers that allow policyholders to modify the room restriction from a single private room to shared accommodation or any room.
However, the plan has limitations. There’s a 20% co-pay if the policy is purchased after the age of 61, certain modern treatments have sub-limits, and room rent restrictions apply, which can lead to proportionate deductions on hospital bills if the limit is exceeded.
Pros
Feature set is satisfactory.
Great pick if you're looking for something affordable.
Insurer has a solid track record with great claim and service metrics.
Offers Loyalty Cover, which makes this policy stand out.
Cons
Your insurer doesn’t provide free health check-ups, which is a notable gap.
Maternity benefits not offered, which could be a drawback for some.
Doctor consultations are not covered, which is a key feature.
Reliance
Key Insights
Founded
2000
Reliance was established 25 years ago and has built strong credibility over time, backed by its long-standing presence in the market.
Claims Experience
87% claims settled in 30 Days
Reliance settles 87% of all claims it receives. This is reasonable performance, though there is room for improvement compared to top insurers.
Network Hospitals
10,000+
Reliance maintains a moderate network of 10,000 hospitals, offering reasonable coverage across key locations.
Complaints
4 complaints per 10,000 claims registered
Reliance maintains a low volume of complaints, reflecting strong customer satisfaction and effective service.
Features
All
Great
Good
Bad
Loyalty Cover
STANDOUT
Insurance company shall provide a loyalty cover to the insured members up to a specified limit based on the renewal timeline for Accidental Death and Permanent Total Disability, Critical Illness, Hospital Cash, etc.
Co-payment
If you bought this policy after you turned 61, you have to pay 20% of the bill every time you make a claim. Otherwise, you are good to go. The insurer will pay all costs up to the sum insured.
Room Rent
You can share a room or you could have a single room for yourself. But if you are looking for anything slightly fancy, be ready to foot a part of the bill.
Customisable
Change Single Private room to Shared Accommodation or Any Room..
Disease sub-limit
Your insurance cover won’t be fully available in case you are treated for modern treatments Meaning the insurance company has a cap of 50% of the sum insured if you are treated for the same.
Customisable
Increases your coverage for modern treatment methods from 50% to 100% of sum insured. Indemnifies you for the medical expenses incurred towards the correction of eyesight due to refractive error of +-6.0 Dioptres or above and also covers you for the cost incurred towards availing a second opinion from a medical practitioner.
Pre existing diseases waiting
If you’re already dealing with diabetes, cardiovascular problems or any such illnesses, the insurer will cover all costs arising out of these pre-existing problems after you wait for 3 years.
Customisable
For any illness: Pre existing disease waiting period is modified/reduced from 3 years to 2 or 1 year.
Add-ons
Reduction in PED
Recommended
For any illness: Pre existing disease waiting period is modified/reduced from 3 years to 2 or 1 year.
Annual Health Checkup
Annual health check-up for specified tests, with a maximum limit of ₹3,000 or as per the sum insured on a cashless or reimbursement basis.
Hospital Cash
Hospital cash benefit paid out if hospitalization is at least 3 days, with a maximum payout of ₹1000, 1500, 2000 or 2500 per day for up to 30 days.
Room Rent Modifier
Change Single Private room to Shared Accommodation or Any Room..
Aggregate Deductible
Choose deductible between ₹10,000 and ₹1,00,000 and get a discount on premiums.
Enhanced Cover
Keeps the unutilized bonus intact even if a claim has been made, offers unlimited restoration that will restore your cover in full every time a claim is settled for any illness along with extended coverage for generally excluded items like syringes, gloves, PPE kits etc
Family Cover
Covers the cost fo medical expenses related to listed home treatments like Dialysis, Chemotherapy, etc. along with a fixed daily amount payout to the one who accompanies the insured member while getting treated in a hospital. This benefit also covers for children’s expenses in case you are hospitalised and can’t take care of them at home.
Smart Cover
Increases your coverage for modern treatment methods from 50% to 100% of sum insured. Indemnifies you for the medical expenses incurred towards the correction of eyesight due to refractive error of +-6.0 Dioptres or above and also covers you for the cost incurred towards availing a second opinion from a medical practitioner.
Convenience Cover
Increase your pre & post hospitalisation limit to 90 and 180 days respectively. Provides coverage for air ambulance and Radio Taxi. The insurer will also pay an additional lumpsum amount, on hospitalisation for a minimum period of 7 continuous and consecutive days.
Double Cover
Gives an additional 100% of the sum insured for the same claim.
Permanent Exclusions
Conditions or treatments that the policy clearly says it will not cover.
Hormonal therapies
Peritoneal dialysis
Treatment by a family member
Expenses related to any admission primarily for diagnostics and evaluation purposes are excluded.
Diagnostic expenses not related or incidental to current diagnosis and treatment are excluded.
Disclaimer: For illustration purposes only - exact terms are in the policy wording.
Specific Illness
The following illnesses are not covered under the policy for 2 years.
Sinusitis
Rhinitis
Tonsillitis
Adenoidectomy
Mastoidectomy
Waiting Period
30 days Initial waiting period
2 years Specific illness waiting period
3 years Pre-existing disease waiting periodCustomisable
Ditto's Take
◦ Excellent ◦
Waiting periods on this policy are excellent. This policy also further allows to reduce the PED waiting period to 2 or 1 year for all diseases.
What's missing in the policy
Your insurer doesn’t provide free health check-ups.
Maternity benefits not offered.
Doctor consultations are not covered.
Customer Reviews
S
Sanjay Sharma
Offers higher sum insured options compared to the Plus plan. Better coverage for serious issues.
P
Pooja Gupta
The restoration benefit is a good addition, increases the available sum insured.
R
Rahul Singh
mention health check up's and second opinion available, provides extra financial protection.
V
Vivek Gupta
Some add-ons are quite expensive, increases the overall cost significantly.
S
Suresh Jain
The waiting period for certain diseases is still a concern.
N
Nitin Kumar
Good balance of coverage and premium cost. Value for money plan.
Still confused?
Talk to our expert
advisor for
instant clarity
Frequently Asked Questions
Does Health Gain Power have waiting periods?
- 30-Day Waiting Period: Hospitalizations won’t be covered for the first 30 days of the policy unless it’s an accident.
- Specific Illness Waiting Period: There’s a 2-year waiting period for a list of diseases which is a mandate before you can start claiming.
- Pre-Existing Disease Waiting Period: There's a 3-year waiting period for any pre-existing disease you may have while buying the policy.
Does Health Gain Power have room rent restrictions?
Does Health Gain Power offer a restoration benefit?
TALK TO OUR ADVISORS
Get real help from advisors who listen, guide and go the extra mile for you.