search icon
Home arrow Health Insurance arrow Health Insurance plans arrow Reliance General Health Gain (Power)
Reliance General Health Gain (Power) logo

Reliance General Health Gain (Power)

Introduction to Reliance General Health Gain (Power)

Reliance General Health Gain (Power) is a health insurance policy offered by Reliance General Insurance Company Limited. A health insurance plan promises to pay for hospitalization expenses as well as expenses incurred prior to and after a hospitalization. Reliance General’s Health Gain (Power) Plan offers numerous features, benefits, and add-ons that cater to your as well as your family’s medical needs. It promises to unburden your financial stress in a medical emergency and protect your and your loved ones’ health.

beshak ratings
Verdict: Reliance General Health Gain (Power)

This plan stands out with its exceptional features and benefits, catering to a wide range of needs. It provides flexibility to reduce the waiting period for pre-existing diseases, and also allows free policy renewal for the first year following the diagnosis of any listed critical illness. In addition to comprehensive coverage for hospitalization and related expenses, it also covers various essential expenses such as maternity expenses, cost of consumable items, and OPD expenses, i.e., day-to-day expenses for medicines, tests, consultations, etc. Moreover, it offers multiple options to obtain premium discounts, enhancing its cost-effectiveness. On the flip side, however, the plan does not allow you to pay your premiums on a monthly basis. And, according to our research, the insurer has received fewer claim settlement complaints but a higher number of policy purchase complaints. 

Pros & Cons: Reliance General Health Gain (Power)

  • arrow Fairly priced in comparison to other products in the market
  • arrow Multiple options available for getting premium discounts
  • arrow Option to reduce the pre-existing disease waiting period
  • arrow Free policy renewal for the first year following the detection of any listed critical illness
  • arrow Covers non-medical expenses or the cost of consumables such as gloves, oxygen masks, nebulization kits, etc.
  • arrow Received fewer complaints on claim settlement compared to other insurers
  • arrow Our study observed their responses on Twitter to be relatively quicker than other insurers
  • arrow Limitations on the type of hospital room you choose (no limits if you choose an add-on)
  • arrow Monthly premium payment mode not available
  • arrow Received higher number of complaints during policy purchase compared to other insurers

Specific Exclusions: Reliance General Health Gain (Power)

01 Medical condition directly or indirectly related to or caused by any sexually transmitted disease
02 Dental treatment except for treatment for an injury requiring hospitalization
03 Expenses related to hearing aids, spectacles, contact lenses
04 External durable medical equipments of any kind like wheelchairs, walkers, collars, belts, caps, braces, etc.
+ Show 11 more

About Reliance General Insurance Company Limited

Reliance General Insurance Company Limited logo

Reliance General Insurance Company Limited is part of Reliance Anil Dhirubhai Ambani Group, wholly owned through Reliance Capital. The company provides a variety of products including Health, Fire, Car, Two-wheeler, Marine, and Travel Insurance. It was founded in 2000 and is headquartered in Mumbai, Maharashtra. Mr. Rakesh Jain is the company's CEO and executive director.

Founded in
JV Partners
Turnover (GWP)
557.08 Crores
Number of Policies
Number of Claims

Detailed Product Specs: Reliance General Health Gain (Power)

Claims Experience 4.5/5 star green
Customer Service 4.1/5 star green
Product Benefits (10L Sum Insured) 4.38/5 star green
Limits and Exclusions advisor
% of claims settled in less than 30 days
Reflects on the speed of settling valid claims
% of Complaints received on overall claims
% customers unhappy with claims experience
Claims Incurred Ratio
Claim Settlement Ratio (No. of claims)
What % of the claims received were paid?
No. of Cashless Hospitals

Compare Reliance General Health Gain (Power) with top health insurance plans

ICICI Lombard Health AdvantEdge logo
ICICI Lombard Health AdvantEdge
Beshak Rating
HDFC Ergo Optima Secure logo
HDFC Ergo Optima Secure
Beshak Rating
Aditya Birla Activ Fit (Preferred) logo
Aditya Birla Activ Fit (Preferred)
Beshak Rating

  1. The health insurance data was last updated in June 2023. All data has been sourced from product brochures, policy wordings, prospectus, public disclosures (Q1, FY 2023-2024), IRDAI annual report (2021-22), insurer websites, and the IRDAI website. 
  2. For now, we have considered the most comprehensive plans from leading insurance companies. We will keep updating the product pages with new plans in the coming days.
  3. We have rated only those plans that can be serviced by individual advisors. This is because of our strong belief that health insurance customers need professional assistance from individual advisors before and after purchase. We do not recommend and hence do not rate direct-to-customer health insurance plans or plans where there aren't enough advisors available to service. 
  4. Affordability assessment of plans: 
    • The affordability of comprehensive plans is assessed using premiums for a family of two adults (30 years old) and one child (1 year old) residing in Zone 1 opting for a cover of ₹10 Lakhs. And, the premiums are as of 31st June 2023.
    • The affordability of Care Freedom Plan is assessed using premiums for a 30-year-old male residing in Zone 1 opting for a cover of ₹5 Lakhs. And, the premiums are as of 31st June 2023.
  5. The product benefits section is based on a sum insured of ₹10 Lakhs and only highlights the top benefits and features of health insurance plans. 
  6. Only those hidden and special conditions that apply to the benefits and features we have considered are included in the product pages. 
  7. The product pages only include the most significant specific exclusions under each plan.
  8. The product pages do not include any generic terms, conditions, or exclusions (those that are the same and apply to all health insurance plans).
  9. If the policy wording, brochure, or prospectus state that a benefit/feature is available with a specific plan but it is not available online when generating the premium quote, we have not considered that benefit/feature to be available with the plan.
  10. The response time on Twitter (Beta) was calculated using a sample set of tweets from April, May, and June 2022 (analyzed in August, September, and October 2022). 
Legal Disclaimer

Your use of the website shall be governed by the Terms and Conditions and Privacy Policy of our website.

Compare Plans

Add 3 more plan to compare

Clear all
Compare Now