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Quotation Details For HARADE PATIL

Reliance HealthGain

Quotation No. 1715223Q28680003800

Start Date 10-08-2023 End Date 09-08-2026 Tenure 3Year

Sum Insured 500000 Cover Type Floater Business Type New
Installment
None Category Family Plan Plus
Frequency

Optional cover Opted

Cover Name Limit

Hospital Cash Limit 2500

Applicable Discounts

Discount Name
Long Term Discount
Girl Child Discount
ZoneBOptionalCoverDiscount
Long Term Fresh Healthy Life Discount

Benefits :

Cover Name Short Description Limits for Plus

This benefit indemnifies the Insured for the
Hospitalization medical expenses on In-Patient Treatment or
Expenses: In Patient Day Care Treatment including the expenses Upto the Sum Insured Accommodation Bonus:
Treatment, Day Care incurred on AYUSH Treatment. For Essential : Twin sharing Room or below
Treatment, Accommodation Bonus shall be payable only if Additional fixed daily amount of Rs
Accommodation Insured undergoes Hospitalization for In-Patient 1000(Payable, only if applicable)
Bonus Treatment and occupies the following Room
Categories
This benefit indemnifies the Insured Person on upto 1500 per hospitalization Intercity
Domestic Road
availing Ambulance services offered by a Ambulance cost(beyond 100km): upto Rs
Ambulance
Hospital or by an Ambulance service provider. 20000 per hospitalization
This benefit pays reasonable and customary
charges for the medical expenses incurred
Domiciliary during Domiciliary Hospitalization as defined
Within the Sum Insured
Hospitalization under the Policy, provided that the condition for
which the medical treatment is required
continues for at least three continuous and

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Cover Name Short Description
completed days
This benefit indemnifies for the medical
expenses incurred during the Policy Year on
Modern Treatment Inpatient Treatment or Daycare Treatment or
Domiciliary Treatment of listed Modern
Treatment Methods
Pre Hospitalization Coverage for Pre-hospitalization
Post Hospitalization Cover for Post-hospitalization
This benefit indemnifies for the medical
expenses incurred during Hospitalization, in
Organ Donor Expenses respect of donor for any organ transplant
Surgery conducted on Insured Person during the
Policy Year.
On subsequent claim, one reinstatement up to
Reinstatement of Base 100% of Base Sum Insured for unrelated
Sum Insured illness/injury, sub-limit of 20% of Base Sum
Insured for related illness/injury.
This benefit provides an additional 20% of
Base Sum Insured on same claim, in single
Extra Sum Insured
hospitalization after exhaustion of Base Sum
Insured under the Policy
This benefit provides Personal Accident Death
cover to the Insured Person, if during the Policy
Accidental Death
Year, Insured Person sustains an injury from an
Cover
Accident which is the sole and direct cause of
his/her death.
This benefit waives off the renewal Policy
premium for one year, in case of first Diagnosis
of any of the listed Critical Illness. For long
term policies, the Company shall waive off one-
Waiver of Premium year proportionate renewal Policy Premium.
i.Cancer of specified severity. ii.Open chest
Coronary Artery Bypass Graft (CABG)
iii.Stroke resulting in permanent symptoms
iv.Multiple Sclerosis with persisting symptoms
This renewal benefit increases the Base Sum
Insured by 33.33% for every claim free Policy
Cumulative Bonus Year, subject to a maximum of 100% of Base
Sum Insured and decreases by 33.33 % of Base
Sum Insured for every claim year.
After 4 continuous and consecutive claim free
Call Option for Policy years ,if Policyholder avails this benefit
Enhancement of Base then enhanced Sum Insured will be sum of
Sum Insured expiring Policys Base Sum Insured and
accumulated Cumulative Bonus
At the end of each completed and continuous
Policy Year, the Company shall provide Loyalty
Loyalty Cover
Cover to the Policyholder(who is also an
Insured Person) under the Policy.
This is a Service benefit in which Insured
Wellness Services Person can seek Medical advice through
telephonic or online mode
Cashless Claim - 1% of Delayed Claim
Amount( for delay beyond 6 hours to 12 hours
),additional 1% for every additional delay of 6
Claim Service business hours.Reimbursement Claim-1% of
Guarantee Delayed Claim Amount(for delay beyond 21
days to upto 42 days),additional 1% for every
additional delay of 6 business hours.Maximum
2 of 5
Limits for Plus
upto 50% of Base Sum Insured
upto 60 days, within the Sum Insured
upto 60 days, within the Sum Insured
Up to 50% of Base Sum Insured, subject to
maximum of Rs 5 lakhs
On subsequent claim, one reinstatement up to
100% of Base Sum Insured for unrelated
illness/injury, sub-limit of 20% of Base Sum
Insured for related illness/injury.
This benefit provides an additional 20% of
Base Sum Insured on same claim, in single
hospitalization after exhaustion of Base Sum
Insured under the Policy
Not Applicable
Not Applicable
This renewal benefit increases the Base Sum
Insured by 33.33% for every claim free Policy
Year, subject to a maximum of 100% of Base
Sum Insured and decreases by 33.33 % of Base
Sum Insured for every claim year.
After 4 continuous and consecutive claim free
Policy years ,if Policyholder avails this benefit
then enhanced Sum Insured will be sum of
expiring Policy Base Sum Insured and
accumulated Cumulative Bonus
At the end of each completed and continuous
Policy Year, the Company shall provide Loyalty
Cover to the Policyholder(who is also an
Insured Person) under the Policy.
This is a Service benefit in which Insured
Person can seek Medical advice through
telephonic or online mode
Cashless Claim - 1% of Delayed Claim
Amount( for delay beyond 6 hours to 12 hours
),additional 1% for every additional delay of 6
business hours. Reimbursement Claim-1% of
Delayed Claim Amount(for delay beyond 21
days to upto 42 days),additional 1% for every
additional delay of 6 business hours. Maximum
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Cover Name Short Description Limits for Plus

limit - 6% of Delayed Claim Amount limit - 6% of Delayed Claim Amount
In the event of delay in the process of issuing a
Policy beyond 10 Working days from date of
Policy Service receipt of all required and completed
10000
Guarantee documents, the Company shall provide a
onetime additional amount.This benefit is
applicable only for the first Policy Year.
This benefit is an extension to Benefit- This benefit is an extension to Benefit-
Cumulative Bonus, which waives off the Cumulative Bonus, which waives off the
Guaranteed Cumulative
condition to decrease in Cumulative Bonus in condition to decrease in Cumulative Bonus in
Bonus
case of a claim in immediate previous Policy case of a claim in immediate previous Policy
Year. Year.
On subsequent claim, Unlimited reinstatement On subsequent claim, Unlimited reinstatement
Unlimited of Base Sum Insured on unrelated illness or of Base Sum Insured on unrelated illness or
Reinstatement of Base injury, sub-limit of 100%of Base Sum Insured injury, sub-limit of 100%of Base Sum Insured
Sum Insured for related illness/injury.This benefit supersedes for related illness/injury. This benefit supersedes
Benefit-Reinstatement of Base Sum Insured Benefit-Reinstatement of Base Sum Insured
This benefit pays the Reasonable and
Consumable Cover Customary expenses which are listed in Within Sum Insured
Annexure -A List I as Optional Items.
This benefit provides an additional 100% of
Base Sum Insured which can be utilized on the Additional,100% of Base Sum Insured.This
Double Cover same claim, after exhaustion of Base Sum benefit supersedes-Benefit no-3.2.2 Extra Sum
Insured.This benefit supersedes Benefit-Extra Insured
Sum Insured
Change in Room Rent This benefit gives an option to Policyholder to
Category of Room capped to: Twin sharing
limits change the allowable Room Category
Reduction in Pre- This benefit reduces the Pre-Existing Waiting This benefit reduces the Pre-Existing Waiting
Existing Waiting Period Period to 24 months or 12 months Period to 24 months or 12 months
The benefit gives an option to the Policyholder
Voluntary Aggregate
to avail discount in premium by opting 10000/25000/50000/100000/None
Deductible
Voluntary annual Aggregate Deductible.
This benefit waives off the Co-Payment This benefit waives off the Co-Payment
condition of 20% on the assessed claim amount, condition of 20% on the assessed claim amount,
Removal of Co- applicable on Policies where at the time of applicable on Policies where at the time of
Payment inception of the first Policy, the age of the inception of the first Policy, the age of the
Insured Person (or eldest Insured Person in case Insured Person (or eldest Insured Person in case
of Family Floater Policy) is 61 years and above of Family Floater Policy) is 61 years and above
i. In Patient Cash: This benefit pays equal to
selected Daily Cash Amount, max up to 30
days, provided the Company has accepted the
claim under Benefit –In Patient Treatment. ii.
Daily Cash amount: xx , max up to 30 days for
ICU Cash: This benefit pays an additional 100%
Hospital Cash In Patient Hospitalization and 15 days for ICU
of selected Daily Cash Amount, max up to 15
Hospitalization
days for ICU Hospitalization, provided the
Company has accepted the claim under Benefit
–In Patient Treatment.Minimum Hospitalization
of 72 hours is must under this benefit.
The benefit, enhances the Pre Hospitalization The benefit, enhances the Pre Hospitalization
Change in Pre-Post
limit to 90 days and Post Hospitalization limit limit to 90 days and Post Hospitalization limit
Hospitalization limit
to 180 days to 180 days
This benefit indemnifies the Insured for the
7.5% of Base Sum Insured or Rs 5 Lakhs
Air Ambulance expenses incurred on availing Air Ambulance
whichever is higher
services
This benefit indemnifies the Insured on
Radio Taxi 1000 per Hospitalization
availing registered Radio cab operator services
This benefit pays a lumpsum amount, if the
Convalescence Cover Insured Person is hospitalized for a minimum 10000
period of 7 continuous and consecutive days

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Cover Name Short Description Limits for Plus

At the end of every Policy Year, this benefit
indemnifies towards the diagnostic or
Health Check up preventive medical tests(listed in Policy 3000(Annual)
wordings) taken by the Insured Persons in the
Policy
At the end of every Policy Year, this benefit
indemnifies towards the expenses for the
Vaccination Cover 2000(Annual)
vaccine (listed in Policy wordings) taken by the
Insured Persons in the Policy.
Change in Modern This benefit increases the Modern Treatment
100% of Base Sum Insured
Treatment limits limits under the Policy
This benefit indemnifies for the medical
expenses incurred for correction of eyesight due
Vision Correction 50000
to refractive error on the written advice of the
Medical Practitioner.
This benefit indemnifies the Insured for the
cost incurred on availing second medical
Second Opinion 3000
opinion from a Medical Practitioner within
India.
This benefit indemnifies the Insured for the
medical expenses incurred towards Home Care
Home Care Treatment Within Sum Insured
Treatment of any of the listed (mentioned in
Policy wordings)treatments under the Policy
This benefit pays a fixed daily amount towards
expenses incurred by the Companion towards Per day Daily Cash:1000, max up to 30
Companion Cover
accommodation, transportation, food or any days.Minimum Hospitalization of 72 hours
other miscellaneous expenses.
This benefit pays a fixed daily amount towards
Per day Daily Cash:1000, max up to 30
Child Care Cover childcare expenses for any one dependent child
days.Minimum Hospitalization of 72 hours
covered under the Policy upto 12 years of age.

Details Of Insured Person :

Relationship With Proposer Gender DOB (DD-MM-YYYY) Pre-Existing Disease

Self Male 01-01-1982 No

Spouse Female 02-08-1989 No

Son Male 17-08-2006 No

Daughter Female 13-08-2009 No

Daughter Female 01-08-2012 No

Premium Summary

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Sum Insured ( ) Premium ( )

Health Gain
Base Premium 500000 41491.20
Addon Premium 8700.00
Total Discount 14525.33
Net Premium ( ) 35666.00
Rate (%) Tax Amount ( )
GST 18% 6419.88
Total Premium ( ) 42086

Registered Office & Corporate Office: Reliance General Insurance Company Limited 6th Floor, Oberoi Commerz,
International Business Park, Oberoi Garden City, Off Western Express Highway, Goregaon (East), Mumbai – 400 063

Disclaimer: The premium rates shown in the quotation is an offer of coverage based on the option selected by you.

The premium may vary with the change in the option

Reliance Health Gain UIN: RELHLIP22229V032122

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