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Reliance Health Insurance Claim

Policyholders often face hard times when it comes to filing a claim with a health insurance company. Lack of awareness and apt knowledge, choosing an incompetent insurer, the fewer number of cashless network hospitals, etc., are some of the factors that can make the claim filing and approval process strenuous. 

It is, therefore, necessary that you always go for a reliable and reputed health insurance company that guides you through the entire claim process. Reliance General Insurance has of late emerged as one of the top picks among the policyholders. It has a reputation for offering seamless health claim filing and approval procedures, with an incurred claim ratio of 93.9%. Besides, with a huge network of cashless hospitals, Reliance General makes it easy for the policyholders to get admitted to hospitals. Let’s explore more about the claim filing process for Reliance General Insurance company.

How To File A Claim Under Reliance Health Insurance?

Cashless Facility:

Want your insurer to pay for the entire hospitalisation expenses? Then go for a cashless claim facility. Reliance tries to make the cashless claim process smooth and hassle-free for the policyholders. Let us have a look at the step-by-step process!

  • Locate the nearest cashless network hospital and get the patient admitted to the same.
  • Bring along the Reliance health card and show it to the TPA health desk at the hospital.
  • Get a cashless request form from the same health desk and fill it out carefully.
  • Submit the authorisation form, a photo ID, and a copy of the health card at the desk.
  • During this process, the hospital will forward the authorisation form and other necessary medical details to Reliance company or TPA through mail or fax.
  • Meanwhile, the claimant/insured person will sign each and every medical bill.
  • Make sure you leave the original medical investigation reports and discharge papers with the hospital authority.
  • You can keep a photocopy of the same with you for records.

The above process is meant for planned hospitalisation. In case the patient requires emergency hospitalisation, the procedure will be a bit different. First things first, get the patient admitted to a network hospital. Next, get the pre-authorisation form filled out and signed by the doctor who is attending the patient. The rest of the procedure will be the same.

Reimbursement Facility:

Another claim facility offered by Reliance is reimbursement. You will be paying for the expenses in full, and then the insurer will get the amount reimbursed to you.

  • Admit the patient to any hospital.
  • Intimate Reliance company or the TPA at the earliest.
  • You need to pay for all the hospital bills and expenditures.
  • During discharge, ensure that you collect each and every medical bill, report, and other papers.
  • Fill out the claim form and attach all the necessary documents. And then lodge your reimbursement claim with Reliance/TPA.

In case of planned hospitalisation, you are required to intimate the insurer before getting the patient admitted to the hospital.

What To Do If Your Claim Is Denied By Company?

Due to any circumstance, if Reliance General Insurance company disapproves your cashless claim, then you will have to pay for the entire expenses from your own pocket. Next, you need to collect all the bills and reports and apply for the reimbursement claim.

Details You Need To Share During Claim Intimation of Reliance Health Insurance

Are you clueless about how to intimate Reliance General company about hospitalisation? Let us help!

  • The claimant or insured person can get in touch with the third-party administration or RCare (the in-house health claim unit).
  • You will get the necessary contact details of RCare or TPA on your healthy card and policy papers.
  • Share the following details while intimating them about hospitalisation:
    • Policy number
    • Contact details of the insured/claimant
    • Name of the patient
    • Name of the hospital
    • Nature of disease (in case of ailments)
    • Commencement time/date of the disease
    • Nature of accident (in case of accidents)
    • Date and exact time of the mishap

How To Track Your Claim Status of Reliance Health Insurance Policy?

Keep a tab on your claim status by following these easy steps!

  1. Visit the official website of Reliance General Insurance company.
  1. At the top right, you will see the option “Claims.”
  1. Hover the cursor over “Claims” and choose the second option, “Health insurance claim.”
  1. Scroll down and click on the option “Know more.”
  1. You will see a table on the right that mentions multiple options. Choose the second last option- “Check claim status.”
  1. Fill in your policy number or claim number, and click upon “Track now.”

How Can You Locate Reliance’s Network Hospital Near Your Location?

  • Go to the official website of Reliance General Insurance company.
  • You will see the option “Claims” at the top-right
  • Hover the cursor over “Claims” and choose the second option, “Health insurance claim.”
  • Scroll down and tap on the option “Know more.”
  • Then choose the third last option that says “Network hospitals.”
  • You get three filters to find your nearest cashless network hospital. These filters are – pin code, name of the hospital, and city name. Search accordingly.

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