Reliance Life Insurance
  • Service Guarantee
  • Register your claims
  • FAQs
  • Help
In your time of need, the last thing you want to do is wait.
Claim settlement in just 12 days for life insurance policy.
All our life insurance policies with 3 years' paid premium come with a 12-day claim guarantee*. This simple means we process and settle your claim as fast as possible; else we pay you 6.5% interest p.a. for delayed payment.
When you need help the most, we'll make sure you don't have to wait for it.
**Not applicable for claims where investigation is triggered. This does not apply for health policy and life insurance policy which are reinstated in previous 2 years. In such cases, customers will be advised within 7 working days of receipt of claim at the branch
In this section you will find the list of documents you need to submit while logging a claim. In case of Critical Illness, Total and Permanent Disability or Death claims, please log the claim and submit your documents directly to the Claims Department, Chennai or at the branch nearest to you.

How to register the claim under:

Critical Illness
Documents required for Critical Illness claim
  • Critical Illness Claim form A - to be filled by the Life Assured
  • Claim form B - Certificate of illness to be filled, signed and stamped by the attending doctor.
  • Original policy documents
  • All hospital reports (certificate of diagnosis, lab reports, attended physician report, biopsy reports if any, discharge summary, first consultation notes etc.)


Notes

  • All the documents submitted to us should be original or photocopies attested by a Reliance Life Insurance official.
  • In addition to above documents Insurance Company reserves the right to ask for more documents / information.
  • Lodging or notification of claim or submission of claim forms and / or claim documents to the company shall not be construed as an admission of liabilities of the company. No agent or official other than designated persons are authorized to admit any liabilities on behalf of the company, nor to alter this list of documents or any claims requirements called for by the Company.

Accidental Death Benefit / Total & Permanent Disability
Documents required for death claim
  • Claim forms (A & B).
  • All hospital reports (certificate of diagnosis, attended physician report, discharge summary, first consultation notes etc).
  • Original policy documents
  • FIR and Police Investigation Report.
  • News paper cutting on the accident, if available.

Death
Documents required for Death claim
  • Claim form A: This form need to be filled by the nominee or claimant
  • Claim form B - Certificate of last illness to be filled, signed and stamped by the doctor in attendance during the last illness of the deceased life assured.
  • Original policy documents
  • Original death certificate by Death and Birth Registrar
  • Death certificate by the doctor confirming cause of death
  • Nominees photo identification card copy attested by Insurance company official
  • All hospital reports, if hospitalized during the last sickness
  • Post Mortem Report and Viscera report, if performed


In case of Accident or Suicide
  • Claim form C - Certificate of Identity, along with Claim forms (A & B)
  • First Information Report and final Police Investigation Report
  • Newspaper cutting on the accident, if available

Survival and Maturity Benefit
  • Survival Benefits: Survival benefits are those payments which are paid during the term of the policy. The frequency of payment may vary from product to product.
  • Maturity Benefits: Payment made at end of the policy term as shown in policy documents.

Survival Benefit:
  • Survival benefit is paid only to In Force policies.
  • Payments are made directly to customer on due date, if policy conditions are met.

Maturity Benefit:
  • Maturity benefits are paid to In Force and Paid-up policies.
  • Payments are made directly to customer on submission of discharge form and original policy documents.

Wealth + Health
As a part of the Welcome Kit, you will receive the following:
  • Health Card.
  • Network Hospital List with contact details.
  • Claims and Pre-Authorization Forms.

Your Health Identity Card:

Your health card which will be provided will identify you as a beneficiary of Reliance Wealth + Health plan will give you access to our network Hospitals. Secure your Health ID card and carry it with you all the times, Quote your TPA ID card no. when you call TPA helpline. The cashless access in TPA network of hospitals is merely a facility extended to you by TPA under the contract with RLIC. TPA does not guarantee the availability, quality and outcome of the treatment. Selection of a network to a non-network hospital is a prerogative of the beneficiary.

Please note you are not entitled to any benefit on the first 48 hours of stay in the hospital. The hospital expenses in excess of the policy benefit amount would be paid by you directly to the hospital of admission.


How to get admitted in a Network Hospital /Nursing Home :

Pre authorization is absolutely necessary without which the Network provider will refuse cashless service. Please send the Hospital request note from the attending physician stating the following to TPA via fax/courier/e-mail/messenger.

  • Ailment and its duration.
  • Known past illness, if any.
  • Hypertension or diabetes.
  • The name of the Hospital /Nursing home and consultant's contact no.
  • The proposed date of admission.
  • Class of accommodation.
  • The approximate duration.
  • Treatment plan.

After due scrutiny, TPA will send an Authorisation Letter (AL) for cashless treatment and guarantee of payment. This is subject to the terms, conditions, exclusions and limitations of the Hospitalisation cash benefit cover for insured person(s) under the Reliance Wealth + Health plan

Admission Procedure:

In order to secure admission on the appointed day, you are advised to register your name with the hospital well in advance. Approach the admission / Reception counter of the hospital on the day of admission with the Authority Letter and your ID card. The Hospital/nursing home will admit you and extend the credit facility up to the amount guaranteed by RLIC subject to availability of bed.

When Cashless Access to Hospital Can be Denied :

A) In the event sufficient information in the prescribed format is not given by the insured person(s)
B) In the event of ineligible disease or vague symptoms as per the medical practitioner (pre-authorization for cashless can be denied). About 95% of admission in the hospitals is planned, therefore it is necessary to obtain Authority Letter in advance.

The denial of Authorization for cashless access does not mean denial of treatment and does not in any way prevent you from seeking necessary medical attention or hospitalization. In such cases you are advised to file your claim for reimbursement and TPA will settle the claim as per policy eligibility and policy coverage under Reliance Wealth + Health plan.

What to do After Discharge From Hospital:
  • Hospitalization claim form duly signed by the insured person(s)/policy holder.
  • Discharge card/discharge summary.
  • Reports of all investigations.

Emergency Hospitalization:
  • In the event of emergency, you could first admit the patient in the Hospital and then inform TPA, within 12 hours of admission and for this purpose you would need to provide "ADMIT IMMEDIATELY" advice from a qualified doctor/medical practitioner. You could call up the number provided on the reverse of the ID card.
  • As it is an emergency, you have the facility of collecting the pre-authorization form from the treating hospital or you could even download the PDF format from the TPA website.
  • Insured should show the ID/Health card to the network hospital and also submit the pre-authorization form to the treating hospital.
  • The forms shall be scrutinized and further processed and the cashless facility will be activated.
  • On discharge, you would need to sign the required documents.
  • TPA will pay the amount to the hospital.
  • Please note that as per policy terms and condition the hospital needs to be equipped with a minimum of ten beds.
Payment of Hospitalisation benefits for treatment in a Non Network Hospital:

While it is suggested that you choose a network hospital, you are at liberty to choose a Non-network hospital only in the event of an emergency and as advised by your doctor. Prior approval of TPA is a must even in respect of admission to a Non Network Hospital. In the event you choose to get treated in a Non-Network, you will have to submit the following documents in original to TPA to obtain reimbursement of eligible claim amount.

  • Hospital Bill and Receipt for payment.
  • Claim form duly signed.
  • Discharge card/discharge summary.
  • Reports of all investigation.

The above list is not exhaustive;

TPA may request additional documents / information, if any, for processing the claim.

TPA reserves the right to change the claim process with 15 days prior notice.

Enclosed is an indicative claim process flow chart.

EB Claims
Employer Employee Claim:
Claim intimation through email to respective Account Manager mentioning Employee Number, Employee Name, Date of Birth, Date of Joining, Date of death, Cause of death, Sum Assured, Cheque in favour whether policy holder or Nominee. If nominee, Nominee Name.

In case of accident or suicide claim (If applicable….)
  • Claim form C - Certificate of Identity.
  • First Information Report and final Police Investigation.
  • Report News paper cutting on the accident, if available.

Benefit Payments
Gratuity / Superannuation claim form signed by the Trustee. The same has to be forwarded to respective account manager.

Non Employer Employee:

Rural Business
Death Certificate and Claim Cum Discharge form has to be forwarded to respective account manager.

In case of accident or suicide claim (If applicable….)
  • Claim form C - Certificate of Identity.
  • First Information Report and final Police Investigation.
  • Report Newspaper cutting on the accident, if available.

Non-Conventional

Documents required for death claim
  • Claim form A: This form need to be filled by the nominee or claimant.
  • Claim form B - Certificate of last illness to be filled, signed and stamped by the doctor in attendance during the last illness of the deceased life assured.
  • Certificate of Insurance.
  • Attested death certificate.
  • Death certificate by the doctor confirming cause of death.
  • All hospital reports, if hospitalized during the last sickness.
  • Post Mortem Report and Viscera report, if performed.

In case of accident or suicide claim (If applicable….)
  • Claim form C - Certificate of Identity.
  • First Information Report and final Police Investigation.
  • Report News paper cutting on the accident, if available.

Claims FAQs

If you have any queries about claims, they are answered in this section. The FAQs will give you the information you need to know about claims.

What I should do in case of claim?

Please go through the policy schedule and Policy Document along with the proposal form copy Sent to you. If you are convinced that the present situation is covered by the insurance company, please intimate to Advisor or the nearest branch or the Claims Department at Chennai immediately (at address given below) ' Please refer the suggestions below.

What are the documents required to get claim?

For ready reference we have listed down basic required documents in each case. Please go through it. Please refer the Claims Overview section

Whom to contact if I need further clarification?

We all will be pleased to assist you. You may contact any of our branch or Claims Department. The Claims Department, Reliance Life Insurance Co Ltd, 9th Floor - Building No. 2, R-Tech Park, Nirlon Compound, Next to Hub Mall, Behind I- Flex building, Goregaon, (East), Mumbai-400 063

How much I will get in case of claim?

Claim amount depends upon duration, cause of death and status of Policy. If policy is participating policy then declared bonus will be added to the sum assured and unpaid premium for that policy year will be deducted. Rider benefit, if opted, would be paid as stipulated in the policy schedule.

How much time it takes to get claim?

After receiving all required information it takes 3 days to dispatch cheque to the nearest branch, they would arrange to handover the cheque personally or you may personally collect it from the branch showing your identity.

What are the benefits available under this Plan?
  • Hospital Cash Benefit – HCB.
  • ICU Benefit.
  • Recuperation benefit.
  • Death benefit.
  • Maturity Benefit.
What are the Riders Available under this Plan?
  • Major Surgical benefit.
  • Critical Illness benefit.
  • Term life Insurance rider benefit.
  • Term Life Insurance with ADB cover.
What is the benefit under HCB?

Lump Sum payment of 5% of annualized premium subject to a minimum of Rs. 500 and maximum of Rs. 2500 per day – waiting period 48 hours - No retroactive payments from day one are to be made.

What is the ICU benefit?

Twice the daily HCB, i.e. minimum of Rs. 1000 and maximum of Rs. 5000.

What is the Recuperation benefit?

It is a lump sum benefit equal to 2 days daily amount in a ward other than ICU. The Recuperation benefit is paid only if there is a minimum stay of 5 full days (120 hours) in hospital.

What is the amount payable to nominee on death?

Fund Value relating to the base policy and the top ups as on the date of intimation.

What is the amount payable at Maturity?

Fund Value relating to the base policy and the top ups as on the date of intimation.

Who can avail the hospital cash benefit?

Principal Life Assured (Policy Holder), Spouse (Insured Spouse) and first two eligible children by seniority in age.

Can it be taken with other Mediclaim policies?

Yes, It can be taken.

Would I get a Health Card?

Yes, you will receive the same with the Welcome kit.

What would I receive in the Welcome Kit?

You would receive the following:

  • ID cards/Health Card for all insured person(s) (a card which has your policy number and contact information of TPA).
  • Network Hospital List with contact details.
  • Claims and Pre-Authorization Forms.
Is there any waiting period for Hospital cash benefit?

Yes, 90 days waiting period except for accident related hospitalization.

Whom should we approach in case of a claim?

For Hospital cash Benefit, Surgical Benefit and Critical Illness Benefit, you should contact your TPA given on the health card.

What is the claims process?

In case of network hospital, Pre authorization is absolutely necessary without which the Network provider will refuse cashless service. Please send the Hospital request note from the attending physician stating the following to TPA via Fax/courier/e-mail/messenger.

  • Ailment and its duration
  • Known past illness, if any
  • Hypertension or diabetes
  • The name of the Hospital /Nursing home and consultant's contact no.
  • The proposed date of admission
  • Class of accommodation
  • The approximate duration
  • Treatment plan

After due scrutiny, TPA will send an Authorization Letter (AL) for cashless treatment and guarantee of payment. This is subject to the terms, conditions, exclusions and limitations of the Hospitalization cash benefit cover for insured person(s) under the Reliance Wealth + Health plan.

What to do in case of an emergency?
  • In the event of emergency, you could first admit the patient in the Hospital and then inform TPA, within 12 hours. You could call up the number provided on the reverse of the ID card
  • As it is an emergency, you have the facility of collecting the pre-authorization form from the treating hospital or you could even download the PDF format from the TPA website
  • Insured should show the ID/Health card to the network hospital and also submit the pre-authorization form to the treating hospital
  • The forms shall be scrutinized and further processed and the cashless facility will be activated
  • On discharge, you would need to sign the required documents
  • TPA will pay the amount to the hospital
What to do if I go to a non network hospital?

While it is suggested that you choose a network hospital, you are at liberty to choose a Non-network hospital only in the event of an emergency and as advised by your doctor. Prior approval of TPA is a must even in a Non Network Hospital. In this case, you pay the bill first and later get it reimbursed. On completion of treatment, you will have to submit the following documents in original/attested copy to TPA to obtain reimbursement of eligible claim amount.

  • Hospital Bill and Receipt for payment
  • Claim form duly signed
  • Discharge card/discharge summary
  • Reports of all investigation
Within how many days would I get the money?

Within 15 days subject to policy conditions and provided all the required documents are submitted.

Is there any waiting period for surgical benefit rider?

Yes, 90 days waiting period. The benefit can only be claimed if the illness is diagnosed at least 90 days after the date of commencement of risk or reinstatement of risk except for accidental injury.

Benefit under Surgical benefit?

Maximum is 100% of SA subject to a maximum of 5 lakhs. Min SA is 10,000 and Maximum - 180 times HCB in a ward other than ICU. Maximum benefit during the entire policy term is 3 times the sum assured under Major Surgical Benefit subject to a maximum of Rs. 15 Lakhs.

Benefit under Critical Conditions Rider?

Min 10,000 and Max -180 times HCB in a ward other than ICU. Maximum limit is 20 lakhs – Across all policies held by the life assured with RLIC. The critical illness cover terminates on payment of the first critical illness benefit.

Is there any waiting period for Critical conditions Rider?

Yes, 180 days waiting period. The benefit can only be claimed if the illness is first diagnosed at least 180 days after the date of commencement or reinstatement of the risk.

Admissibility of overseas claim?

Hospitalization / Surgical procedures should take place with in India.

What is the Maximum Annual benefit period?

18 days in 1st yr, 60 days per year thereafter, inclusive of stay in ICU.
For ICU 7 days 1st year, 30 days per year thereafter - 2nd year onwards.

What is the maximum benefit period during the policy term for hospitalization?

180 days (in hospital including ICU) for Principal insured, Insured Spouse and Insured child (90 days until the child completes age 5 years).

Whether the HCB is payable during the non premium paying period?

No

Whether dental treatment is covered?

No

Whether the Death benefit is payable in case of death of any spouse /children covered under the policy?

No, it is paid only in the case of principal Insured.

What are the exclusions under the HCB?
  • Hospitalization event within 90 days form the commencement of the policy except for accident
  • Pre-existing and related disorders
  • Hospitalization for diagnostic reasons
  • Dental treatment or surgery of any kind unless necessitated by an accident
  • Hospitalization for any condition arising from or traceable to pregnancy or Child birth
  • Natural Perils
  • Accidents arising from drunken driving
  • Participation in any hazardous activity
What is Deferment Period?

 

First two days (48 hrs) of hospitalization is not covered. The daily HCB benefit will be paid for each complete day of hospitalization (24 hrs) after the first 48 hrs. There will not be any payment for part of the day i.e. before completion of 24 hours

For any help or information on INDIVIDUAL CLAIMS, please call or write to the nearest branch.
Click here to find the nearest Branch Address and Contact No.
CORPORATE OFFICE
9th Floor - Building No. 2,
R-Tech Park, Nirlon Compound,
Next to Hub Mall, Behind I- Flex building,
Goregaon, (East),
Mumbai-400 063

 

Share your feedback on
Comments
How did you find about RelianceLife.com
Please tell us about yourself
Submit Feedback
This Feedback is related to your experience with this website only. If you have any queries related to your Reliance Life Policy, please feel free to contact us at 3033 8181 / 1800 3000 8181 (Toll Free).