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  • 5 Reasons
    To Buy
  • Benefits
  • How this
    Plan Works

In this fast paced life, we invest all our energies into work. The sedentary life style reaps dividend in the form of health ailments and stress. The little gems of pleasure that come our way often prove to be detrimental – junk food, fast driving, reaching for the stars. In the race for moving ahead diabetes, accidents and heart attacks become our companions. Our beautiful world starts crumbling as fear and insecurity stems large on us and our family members.

An adequate health insurance health Insurance cover would protect us from indebtedness and impoverishment resulting out of rising medical expenses and also provide us peace of mind and security during a crisis arising out of a medical emergency.

Reliance Easy Care Fixed Benefit Plan offers a complete protection against unforeseen hospitalization, surgical treatment and critical illnesses while also providing for other incidental expenses incurred during hospitalization. 

  • 1

    Get complete cover for health related expenses

  • 2

    Insure against expenses for major surgeries and critical illnesses

  • 3

    Get guaranteed coverage for what is promised

  • 4

    Get guaranteed renewability up to the age of 99 years

  • 5

    Avail tax benefits under section 80(D)


Disclaimer

For more details on risk factors, terms and conditions please sales brochure before concluding a sale. UIN for Reliance Easy Care Fixed Benefit Plan: 121N093V02

The plan covers reasonable and customary medical expenses towards hospitalisation during the policy term for illness, surgery, injury contracted or sustained by the policy holder subject to terms, conditions, limitations, waiting period and exclusions as described below:

 

1) Daily Hospital Cash Benefit (DHCB): In the event of Hospitalization for Medically Necessary treatment of any Illness including critical illnesses or Injury for a minimum period of 48 hrs a fixed amount of 1% of Sum Assured per day will be payable from the first day for the duration of Hospitalization for a valid claim.

 

2) Intensive Care Unit (ICU) benefit: An additional 100% of DHCB amount (1% of Sum Assured) per day is paid for each day of stay in the Intensive Care Unit (ICU) of the insured. This benefit is payable only if the DHCB is payable. 

 

3) Recuperation Benefit (RB): A recuperating benefit equal to 3% of Sum Assured is payable for 7 or more days of continuous hospitalization for the same injury or disease, subject to the DHCB being payable at the time of hospitalization.

 

4) Surgical Cash Benefit (SCB): In the event of Hospitalization for a minimum period of 24 hours for undergoing any valid and Medically Necessary Surgery except the below mentioned major Surgeries in MSB, in India, a lump sum benefit equal to 10% of Sum Assured will be paid.

 

5) Major Surgical Benefit (MSB): In the event of Hospitalization for a minimum period of 24 hours for undergoing any one of the listed Major Surgeries a guaranteed amount equal to 100% of Sum Assured will be paid. 

 

6) Critical Illness (CI): In the event of a confirmed diagnosis of any one of the listed critical illness a onetime fixed amount equal to 100% of Sum Assured will be paid and the benefit will cease to continue for lifetime.

Disclaimer

For more details on risk factors, terms and conditions please sales brochure before concluding a sale. UIN for Reliance Easy Care Fixed Benefit Plan: 121N093V02

Amar, aged 42 years, is a software professional and lives with his wife Sakshi and daughter 3 years old Nupur. Erratic working hours at his workplace with high stress has forced him to think about a insuring himself against any adverse health related problem. He feels worried about the financial impact that may be caused in case of an unforeseen illness.

 

He purchases Reliance Easy Care Fixed Benefit and:

 

• Pays an annual premium of Rs. 8960 per annum (exclusive of taxes) and opts for Option IV for a health cover of Rs. 4 lakh, for a policy term of 5 years

 

Tax Benefit: He avails tax benefits u/s 80D for all premiums paid during the 5 years Policy Term.

 

Comprehensive Health Cover: 

 

Unfortunately, during the 2nd policy year, Amar, suffers a heart attack and is immediately hospitalized. At the time of hospitalization, his wife Sakshi is able to focus on Amar’s health due to the cashless facility available under this plan.

 

He stays in the ICU for 5 days and undergoes Heart Coronary Artery Bypass Surgery. Post surgery, he recuperates in the hospital for another 12 days. Also, his family incurs additional expenses towards medicines, diagnostic tests and doctors’ fees, etc

 

His family receives following benefits under this plan. 

Benefit How it works? Benefit Amount 

Critical Illness (CI) 100% of Sum Insured Rs. 4,00,000 

Major Surgical Benefit (MSB) 100% of Sum Insured Rs. 4,00,000 

Daily Hospitalisation Cash Benefit (DHCB) Rs. 4000 x 12 days Rs. 48,000 

Intensive Care Unit (ICU) Hospitalisation Rs. 4000 x 5 days Rs. 20,000 

Recuperation Benefit  3% of Sum Insured Rs. 12,000 

Total amount received towards comprehensive health Benefits Rs.  8,80,000 

 

Amar renews the policy at the end of 5 Policy Years and gets a premium rebate of 5% on the premiums payable. He can continue to renew the policy till age of 99 years.



Disclaimer

For more details on risk factors, terms and conditions please sales brochure before concluding a sale. UIN for Reliance Easy Care Fixed Benefit Plan: 121N093V02

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