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Mr. GANPAT SHESHERAO GANAPURE

S/O: SHESHERAO GANAPURE, H.NO. R 1/915,
RADHAKRISHNA MANDIR,RADHA KRISHNA
NAGAR,LATUR,LATUR,LATUR,MAHARASHTRA
,413512
9552022295

Welcome on board.
Your Reliance Health Gain Policy
number 625022328680000463 is now
live, to access your policy anytime,
anywhere, download our Reliance Selfi
App and enjoy a host of special
features.

IRDAI Registration No. 103. Reliance General Insurance Company Limited An ISO 9001:2015 Certified Company
Registered & Corporate Office: 6th Floor, Oberoi Commerz, International Business Park, Oberoi Garden City, Off.Western Express Highway, Goregaon (E),
Mumbai-400063. Corporate Identity No. U66603MH2000PLC128300.Trade Logo displayed above belongs to Anil Dhirubhai Ambani Ventures Private
Limited and used by Reliance General Insurance Company Limited under License.
Reliance Health Gain Insurance UIN:RELHLIP22229V032122. Page 1 of 28
 Digitally signed by Reliance
General Insurance
Company Limited
Date: 2023.06.28 07:34:51
IST
Trejhara

RELIANCE HEALTH GAIN POLICY - POLICY SCHEDULE

POLICYHOLDER DETAILS

Policy Number : 625022328680000463 Proposal No : R23062387676

Mr. GANPAT SHESHERAO

Policyholder Name : Policy Issuance Date : 27/06/2023
GANAPURE
Tax Invoice No. & Date : R23062387676 & 27/06/2023 GSTIN/UIN of Policyholder :
Correspondence Address & S/O: SHESHERAO GANAPURE,
Place of Supply H.NO. R 1/915, RADHAKRISHNA Latur (Latur HT VO)
MANDIR,RADHA KRISHNA Policy Issuing Branch & Unit No 211& 212,2nd Floor, Yash Plaza,
: :
NAGAR,LATUR,LATUR,LATUR,M Address Near Shivneri Gate, Kava Road, LATUR
AHARASHTRA,413512 LATUR MAHARASHTRA 413512

Contact No : 9552022295 Email ID : [email protected]

Date of Birth : 17/12/1986 Business Type : RollOver
Gender : Male Zone : B

POLICY DETAILS
Cover Type : Floater Plan Opted : Power
Base Sum Insured : 1000000 Policy Tenure : 1 year
Policy Period Start Date & Policy Period End Date &
: 27/06/2023 At 00:01 Hrs : 26/06/2024 At 23:59 Hrs.
Time: Time
Previous Policy No. & end 17784637
: Renewable Date : 27/06/2024
Date 26/06/2023
Room Category* : Single Private air-conditioned room

Accidental Death 5% of Base Sum Insured subject to minimum of `1 lakh

Loyalty Cover Please refer renewal benefit section 5.3 loyalty cover for coverage details
Co-Payment** • Zone wise Co-Payment: For Policy issued under Zone B, 20% Zone wise Co-payment applicable, in case of claims
being administered from Delhi, New Delhi & NCR including Faridabad, Noida, Ghaziabad, Gurugram, Noida,
Gautam Buddha Nagar, Mumbai & Suburbs, MMR (Mumbai Metropolitan Region), Navi Mumbai & Suburbs, Thane
City & Suburbs, Mira Road, Bhayandar, Panvel, Kalyan & Dombivali, State of Gujarat, Kolkata & Suburbs
Premium Payment
: Lump Sum
Frequency

INTERMEDIARY DETAILS

MAHESH AMBULAGE 16A31084 9860075381

Intermediary Name Intermediary Code Intermediary Contact No POSP ID

NA NA
VLE Name VLE ID VLE Contact No

Reliance Health Gain Policy. UIN. RELHLIP22229V032122.

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DETAILS OF INSURED PERSON MEMBER 1 MEMBER 2 MEMBER 3 MEMBER 4

Name of the Insured Person Mr. GANPAT SHESHERAO Mr. KESHAVNATH GANPAT Mr. SHESHERAO GANPAT
:
GANAPURE GANAPURE GANAPURE
Gender : Male Male Male
Date of Birth : 17/12/1986 10/01/2015 09/12/2011
Relationship with Policyholder : Self Son Son
Insured with the Company, since : 27/06/2023 27/06/2023 27/06/2023
UHID : 28682230448432 28682230448433 28682230448434
Any Pre-existing Disease : No No No
Pre-existing Disease – Name : NA NA NA
Pre-existing Disease – Since : NA NA NA
Permanent exclusions (if any ) as
:
agreed by the customer
Special Remarks/Conditions :
Cumulative Bonus (`) Floater :0 0 0
Cumulative Bonus Sub-Limit (`) :0 0 0
Cumulative Bonus (`) Individual :0 0 0

Insured Person covered under :

Health Insurance with any : NA NA NA
Company, Since (If, yes)

PORTABILITY POLICY DETAILS MEMBER 1 MEMBER 2 MEMBER 3 MEMBER 4

Member Name Mr. GANPAT SHESHERAO Mr. KESHAVNATH GANPAT Mr. SHESHERAO GANPAT
:
GANAPURE GANAPURE GANAPURE
Previous Policy Number : 17784637 17784637 17784637
Previous Insurer Name Care Health Insurance Care Health Insurance Care Health Insurance
:
Company Company Company
Previous Policy Start Date : 27/07/2022 27/07/2022 27/07/2022
Previous Policy End Date : 26/06/2023 26/06/2023 26/06/2023
Date of First Enrollment : 27/07/2020 27/07/2020 27/07/2020
Sum insured under Previous
: 500000 500000 500000
Policy:
Cumulative Bonus under Previous
: 300000 300000 300000
Policy
Exclusion under Previous Policy : NA NA NA
Any specific Sub-limit, Condition, : NA NA NA
Sum Insured Limit for
:0 0 0
portability (Individual Basis)
Sum Insured Limit for
: 800000 800000 800000
portability (Family Floater Basis)
Applicable sub-limit for portability :

Reliance Health Gain Policy. UIN. RELHLIP22229V032122.

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PREMIUM DETAILS AMOUNT Discount Details

Zone B ZoneBOptionalCoverDiscount
Base Premium 13302.4
Addon Premium (If any) 2394.43
Loading (if any) 0
Discount (if any) 3325.60
Total Premium excluding Taxes and Levies 15697.00
CGST (9.00%) 1412.73
SGST (9.00%) 1412.73
Total Premium including Taxes and Levies 18522.00

GSTIN :27AABCR6747B1ZG, HSN : 997133, Description of services : Accident and health insurance services
Consolidated Stamp duty Paid vide Letter of Authorisation “NO.LOA/CSD/662/2023/(Validity Period Dt.27/03/2023 to Dt.01/12/2023)/1156 DT.27
MAR 2023” at General Stamp Office, Mumbai. ** Not Applicable for the State of Jammu & Kashmir
NOMINEE DETAILS
Name of Nominee : SHESHERAO GANPAT GANAPURE Relationship with Policyholder : Son
S/O: SHESHERAO GANAPURE,
H.NO. R 1/915, RADHAKRISHNA
Date of Birth : 09/12/2011 Address of Nominee : MANDIR,RADHA KRISHNA
NAGAR,LATUR,LATUR,LATUR,MAH
ARASHTRA,413512
Contact No. / Mobile No. : 9552022295 Email ID :

APPOINTEE DETAILS
Name of Appointee : Relationship with Nominee :
Date of Birth : Address of Appointee :
Contact No. / Mobile No. : Email ID :
NOTE
The maximum liability of the Company to pay the claims under this Policy is limited to Total Liability defined in the Policy Wordings. Please refer
the policy wordings for detailed information and understanding of the coverages.

CONDITIONS
Waiting Period
1. 36 Months Pre-Existing Disease waiting period (Code: Excl01 )
2. 24 months Specified disease/procedure waiting period (Code:Excl02)

EXCLUSIONS
Below are the Standard Exclusions d. Change-of-Gender treatments (Code:Excl07)
a. Investigation & Evaluation (Code:Excl04) e. Cosmetic or Plastic Surgery (Code: Excl08)
b. Rest Cure, rehabilitation and respite care (Code:Excl05) f. Hazardous or Adventure sports(Code:Excl09)
c. Obesity/ Weight Control (Code:Excl06) g. Breach of law (Code: Excl10
h. Excluded Providers (Code:Excl11) l. Refractive Error (Code: Excl15)
i. Substance Abuse and Alcohol (Code: Excl12) m. Unproven Treatments-Code (Code: Excl16)
j. Wellness and Rejuvenation (Code:Excl13) n. Sterility and Infertility (Code: Excl17)
k. Dietary Supplements & Substances (Code:Excl14) o. Maternity Expenses (Code - Excl 18)

Reliance Health Gain Policy. UIN. RELHLIP22229V032122.

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In addition to above below mentioned are Specific Exclusions applicable to this Policy
p. Treatment outside Discipline x. Overseas Treatment
q. Hearing Aids and spectacles y. Self-injury
r. External durable medical equipment z. Documentation charges
s. Sleep Apnea aa Charges other than Reasonable & Customary Charges
t. External Congenital Anomaly ab. RMO charges and Service charge
u. Artificial Life support equipments ac. Nuclear Attack.
v. Non-payable items ad. War

w. Outpatient Treatment

Note: Please refer the Policy Wordings for complete description, exclusions, terms and conditions related to the Covers listed above

ENDORSEMENTS
Serial No: Particulars

CONTACT DETAILS FOR POLICY SERVICING CONTACT DETAILS FOR CLAIM SERVICING
Name: Reliance General Insurance Company Limited Name: Reliance General Insurance Company Limited
Correspondence Address: Reliance General Insurance. Correspondence Address: Reliance General Insurance.
Winway Building 2nd and 3rd Floor, 11/12 Block No - 4, No. 1-89/3/B/40 to 42/ks/301, 3rd floor, Krishe Block
Old No - 67, South Tukoganj, Indore (M.P) - 452001 Krishe Sapphire, Madhapur, Hyderabad - 500081
Email ID : [email protected] Email ID : [email protected]
Contact No.: 022-4890 3009 (paid) Contact No.: 022-4890 3009 (paid)
Website: www.reliancegeneral.co.in Website: www.reliancegeneral.co.in

PLEASE NOTE
The Policy has been issued based on the information provided by the Proposer in the Proposal Form or medical test reports or through
Interactive Voice Response(IVR)/online web service or through any other oral or written form of communication which is the basis of evaluating
the Health status of the proposed Insured Persons as on Proposed date of Insurance. *Please note that in the event of this information provided
by the Proposer being found incorrect, the policy would become void and all the benefits under the policy shall stand forfeited
The Base Sum Insured has been enhanced under the Policy on the request of the Policyholder to exercise the Benefit-5.2 Call Option for
Enhancement of Base Sum Insured
Subject otherwise to the terms and conditions of Policy Wording click here
In the event of any incorrect representation, the liability shall be upon the Policyholder
In case of any discrepancy, the Policyholder is requested to let us know immediately. You can write to us at [email protected] or
call us at 022-41112600 for necessary changes/rectification/documents required.

Reliance Health Gain Policy. UIN. RELHLIP22229V032122.

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GRIEVANCE CLAUSE
For resolution of any query or grievance, Insured may contact the respective branch office of the Company or may call at 1800 3009 or may write an
email at [email protected]. In case the insured is not satisfied with the response of the office, insured may contact the Nodal Grievance
Officer of the Company at [email protected]. In the event of unsatisfactory response from the Nodal Grievance Officer, insured may
email to Head Grievance Officer at [email protected]. In the event of unsatisfactory response from the Head Grievance Officer,
he/she may, subject to vested jurisdiction, approach the Insurance Ombudsman for the redressal of grievance. Details of the offices of the Insurance
Ombudsman are available at IRDAI website www.irda.gov.in or on company website www.reliancegeneral.co.in or on www.gbic.co.in. The
insured may also contact the following office of the Insurance Ombudsman within whose territorial jurisdiction the branch or office of the Company is
located.
Details of the offices of the Insurance Ombudsman are
Office of the Insurance Ombudsman,3rd Floor,Jeevan Seva Annexe,S. V. Road,Santacruz (W), Mumbai - 400 054. Tel.: 022 - 26106552 / 26106960
Fax: 022 - 26106052 Email: [email protected] | Shri. A. K. Sahoo Office of the Insurance Ombudsman,Jeevan Darshan Bldg.,3rd
Floor,C.T.S. No.s. 195 to 198,N.C. Kelkar Road,Narayan Peth, Pune – 411 030. Tel.: 020-41312555 Email: [email protected]
IRDAI / (IGMS/Call Centre):
Through IGMS, Insured can register the complaint online and track its status. For registration please visit IRDAI website www.irdai.gov.in.
Help line number: 022-4890 3009 (paid)
Timings: 8 AM to 8 PM -- (Monday to Saturday)
Ombudsman
In case you/insured person are not satisfied with our decision/resolution, you may approach the Insurance Ombudsman
PLEASE NOTE
This document shall be treated as a Tax Invoice as per Rule 46 of the Central Goods and Services Tax Rules 2017.
In the event of non-realization of premium, this policy document automatically stands cancelled from inception, irrespective of whether a
separate communication is sent or not
In witness whereof this Policy has been signed at Mumbai on policy tax invoice date in lieu of Proposal No. as mentioned in the policy

For Reliance General Insurance Co. Ltd.

Authorised Signatory

Reliance Health Gain Policy. UIN. RELHLIP22229V032122.

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The coverage’s under Reliance HealthGain Policy are listed below:

Sr. Covers Power

No.

Benefit-Hospitalization Cover:

This benefit indemnifies the Insured for the medical expenses on In-Patient Treatment or Day Care
Hospitalization Expenses: Treatment including the expenses incurred on AYUSH Treatment up to the Sum Insured
• In Patient Treatment
• Day Care Treatment
1.1 • Accommodation Bonus Accommodation Bonus:
Additional fixed daily amount of ` 1000 shall be payable only if Insured undergoes Hospitalization for
In-Patient Treatment and occupies Twin sharing Room or below
This benefit indemnifies the Insured Person on availing Ambulance services offered by a Hospital or by
1.2 Domestic Road Ambulance an Ambulance service provider up to 3000 per hospitalization \n For Intercity Ambulance (beyond
100km): up to ` 20,000 per hospitalization

This benefit pays reasonable and customary charges for the medical expenses incurred during
1.3 Domiciliary Hospitalization Domiciliary Hospitalization within the Sum Insured, provided that the condition for which the medical
treatment is required continues for at least three continuous and completed days
This benefit indemnifies for the medical expenses incurred during the Policy Year on Inpatient Treatment
1.4 Modern Treatment or Daycare Treatment or Domiciliary Treatment of listed Modern Treatment Methods up to 50% of Base
Sum Insured

1.5 Pre Hospitalization Coverage for Pre-hospitalization upto 60 days, within the Sum Insured

1.6 Post Hospitalization Cover for Post-hospitalization upto 60 days, within the Sum Insured
This benefit indemnifies for the medical expenses incurred during Hospitalization, in respect of donor
1.7 Organ Donor Expenses for any organ transplant Surgery conducted on Insured Person during the Policy Year. Up to 50% of
Base Sum Insured,subject to maximum of ` 5 lakhs

Benefit -Extra Cover

2.1 Reinstatement of Base Sum On subsequent claim one reinstatement up to 100% of Base Sum Insured for unrelated illness/injury,
Insured sub-limit of 20% of Base Sum Insured for related illness/injury.
2.2 Extra Sum Insured 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

Benefit Personal Accident Cover

3.1 Accidental Death Cover This benefit provides Personal Accident Death cover to the Insured Person of 5% of Base Sum Insured
subject to minimum of ` 1 lakh, if during the Policy Year, Insured Person sustains an injury from an
Accident which is the sole and direct cause of his/her death

Benefit - Critical Illness Cover

4.1 Waiver of Premium 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-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

Reliance Health Gain Policy. UIN. RELHLIP22229V032122.

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Sr. No. Cover Power

Benefit -Renewal Benefits

5.1 Cumulative Bonus On renewal the Base Sum Insured increases 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.
5.2 Call Option for Enhancement After 4 continuous and consecutive claim free Policy years,if Policyholder avails this benefit then
of Base Sum Insured enhanced Sum Insured will be sum of expiring Policy's Base Sum Insured and accumulated Cumulative
Bonus
5.3 Loyalty Cover 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.

Year-wise availability of Sum Insured for Loyalty Cover

Policy Year Accidental Death and Leave
Permanent Total Critical Illness Hospital Cash Compensatio
Disability n Benefit
Maximum 50% of Base Sum Insured 50% of Base Sum 30 days of payment 30 days of
limit or 25 lakhs, whichever is Insured or 25 payment
lower lakhs, whichever
is lower

Sr. Cover Power

No.

Benefit-Value Added Covers:

6.1 Wellness Services This is a Service benefit in which Insured Person can seek Medical advice through telephonic or online
mode
6.2 Claim Service Guarantee 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 limit - 6% of Delayed Claim Amount

6.3 Policy Service Guarantee In the event of delay in the process of issuing a Policy beyond 10 Working days from date of receipt of all
required and completed documents,the Company shall provide a onetime additional amount of
` 10,000

Applicable only for the first Policy Year.

Reliance Health Gain Policy. UIN. RELHLIP22229V032122.

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Sr. Cover Power

No.

Benefit -Optional Covers

Benefit -Enhanced covers

7.1 Guaranteed Cumulative Bonus This benefit is an extension to Benefit-Cumulative Bonus, which waives off the condition to decrease in
Cumulative Bonus in case of a claim in immediate previous Policy Year.
7.2 Unlimited Reinstatement of On subsequent claim, Unlimited reinstatement of Base Sum Insured on unrelated illness or injury,
Base Sum Insured sub-limit of 100% of Base Sum Insured for related illness/ injury.
This benefit supersedes Benefit- Reinstatement of Base Sum Insured
7.3 Consumable Cover This benefit pays the Reasonable and Customary expenses which are listed in Annexure -A List I as
Optional Items
Limit within sum insured

This benefit provides an additional 100% of Base Sum Insured which can be utilized on the same
7.8 Double Cover claim,after exhaustion of Base Sum Insured.
This benefit supersedes Benefit-Extra Sum Insured

Reliance Health Gain Policy. UIN. RELHLIP22229V032122.

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This is to certify that Reliance General Insurance Company Limited has received an amount
of 18522.00 from Mr. GANPAT SHESHERAO GANAPURE towards payment of health insurance premium for policy
625022328680000463 for the period 27/06/2023 to 26/06/2024 issued on 27/06/2023.
The premium paid for this policy is eligible for applicable benefits under section 80D of the Income Tax Act, 1961 and
amendments thereof.
Note :
• Any amount paid in cash towards the premium would not qualify for tax benefits as mentioned above.
• Health insurance premium for multiple year policy is eligible for proportionate deduction in the years in which the
health insurance continues to be effective. For your eligibility and deductions, please refer to provisions of Income
Tax Act 1961 and/or consult your tax consultant.
• The Policy Schedule in original must be surrendered to the Company in case of cancellation of the Policy.

For Reliance General Insurance Co. Ltd.

Authorised Signatory

Reliance Health Gain Policy. UIN. RELHLIP22229V032122.

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IRDAI Registration No. 103 Reliance General Insurance Company Limited An ISO 9001:2015 Certified Company
Registered & Corporate Office: 6th Floor, Oberoi Commerz, International Business Park, Oberoi Garden City, Off.Western Express
Highway, Goregaon (E), Mumbai-400063. Corporate Identity No. U66603MH2000PLC128300. Trade logo displayed above belongs
to Anil Dhirubhai Ambani Ventures Private Limited and used by Reliance General Insurance Company Limited under License.
Reliance Health Gain Policy. UIN. RELHLIP22229V032122. RGI/MCOM/CO/RHGP-PS/Ver. 1.0/240322
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RELIANCE HEALTH GAIN POLICY - PROPOSAL FORM

Proposal Form No : R23062387676

1. To be filled and signed by Proposer and all fields are mandatory to be filled.
2. This proposal shall be the basis of contract for Policy issuance
3. Reliance General Insurance Company Ltd. (the Company) is under no obligation to accept any proposal for insurance. The liability of the Company
does not commence until the proposal is accepted and underwritten by the Company and premium is received. If the Company accepts a proposal
for insurance, it shall be subject to the Policy Terms and Conditions

INTERMEDIARY DETAILS
Intermediary Name : MAHESH AMBULAGE Intermediary Code : 16A31084
IMD Branch Name : Latur (Latur HT VO) IMD Branch Code : 6250

REFERENCE DETAILS
RGICL Employee Name and
:
Code

PROPOSER DETAILS (ALL THE DETAILS ARE MANDATORY)

Name of the Proposer : Mr. GANPAT SHESHERAO GANAPURE
Permanent Address : S/O: SHESHERAO GANAPURE, H.NO. R 1/915, RADHAKRISHNA MANDIR,RADHA KRISHNA
City : LATUR
State : MAHARASHTRA PinCode : 413512
S/O: SHESHERAO GANAPURE, H.NO. R 1/915, RADHAKRISHNA MANDIR,RADHA KRISHNA
Communication Address :
NAGAR,LATUR,LATUR,LATUR,MAHARASHTRA,413512
City : LATUR
State : MAHARASHTRA Pin Code : 413512
Contact Number : 9552022295 Email ID : [email protected]
Date Of Birth : 17/12/1986 Nationality : Indian
Gender : Male Marital Status : Married
Maiden Name : Occupation : Doctor
Annual Income :
Source of Income :
PAN No. : ANTPG2363C :
GST Registration No.(if
applicable)
Avail Zone B discount?
Yes: Discount of 20% shall apply. Copay of 20% shall apply if treatment is taken in Zone A: Delhi / NCR, Mumbai including Navi Mumbai, Thane
andKalyan; Gujarat or Kolkata
Do you have an existing Health
: No Policy No. :
Insurance policy with us?
Do you have any other existing
: No Policy No. :
Insurance policy with us?
Are you an employee of Reliance General Insurance Company (RGICL)? : No
Are you an employee of Anil Dhirubhai Ambani Group (other than
: No
RGICL)?
Were you referred by an employee of Reliance General Insurance Company (RGICL)? : No

NOMINATION DETAILS
The nominee as declared hereunder shall become eligible for claim payment under the Policy as per the terms and conditions of the Policy, in the
event of the death of the Policyholder. The receipt of proceeds by the nominee would be sufficient discharge to the Company. Nominee for all other
person(s) proposed shall be the proposer himself/herself
Name of Nominee : SHESHERAO GANPAT GANAPURE
Contact No. / Mobile No : 9552022295 Email ID :
Relationship with Proposer : Son Date of Birth : 09/12/2011
Address of Nominee : S/O: SHESHERAO GANAPURE, H.NO. R 1/915, RADHAKRISHNA MANDIR,RADHA KRISHNA

IRDAI Registration No. 103 Reliance General Insurance Company Limited An ISO 9001:2015 Certified Company
Registered & Corporate Office: 6th Floor, Oberoi Commerz, International Business Park, Oberoi Garden City, Off.Western Express
Highway, Goregaon (E), Mumbai-400063. Corporate Identity No. U66603MH2000PLC128300. Trade logo displayed above belongs
to Anil Dhirubhai Ambani Ventures Private Limited and used by Reliance General Insurance Company Limited under License.
Reliance Health Gain Policy. UIN. RELHLIP22229V032122. RGI/MCOM/CO/RHGP-PS/Ver. 1.0/240322
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POLICY DETAILS (TICK THE REQUIRED OPTION)

Cover Type : Floater Policy Tenure : 1 year
Plan &Base Sum Insured
: Power & 1000000
opted(in lakhs)

OPTIONAL COVERS* (TICK THE REQUIRED OPTION)

Enhanced Cover: Guaranteed Cumulative Bonus, Unlimited
Yes
Reinstatement of Base Sum Insured, Consumable Cover :
Double Cover : Yes
Change in Room Rent Limits : No
If Yes, please confirm the capping on Category of Room according to Plan
Opted above.
Reduction in PED Waiting Period Limit Required: No
Voluntary Aggregate Deductible :
Removal of Co-Payment: No
Hospital Cash Limit: No
Convenience Cover: Change in Pre-Post Hospitalization, Air Ambulance,
No
Radio Taxi, Convalescence Cover :
Preventive Cover: Health Check-up and Vaccination: No
Smart Cover: Change in Modern Treatment, Vision Correction, Second
No
Opinion :
Family Care Cover: Home Care Treatment, Companion and Child Cover : No
*Optional Covers are available for S.I 5 lacs and above except for Change in Room Rent limits and Voluntary Deductible

PROPOSER BANK DETAILS

Name of Bank Account Holder : Mr. GANPAT SHESHERAO GANAPURE
Bank Name : Account type :
Bank Account Number : Branch
MICR Code (9 digit MICR code number of the bank and branch appearing on the cheque issued by the
bank)
IFSC Code (11 character code appearing on your cheque leaf)
I understand that any refund due on the premium payment / any payment / claims to be directly credited to my aforesaid Bank Account.* *As per
IRDAI, its mandatory that all payments made to the insured are only through electronic mode.

IRDAI Registration No. 103 Reliance General Insurance Company Limited An ISO 9001:2015 Certified Company
Registered & Corporate Office: 6th Floor, Oberoi Commerz, International Business Park, Oberoi Garden City, Off.Western Express
Highway, Goregaon (E), Mumbai-400063. Corporate Identity No. U66603MH2000PLC128300. Trade logo displayed above belongs
to Anil Dhirubhai Ambani Ventures Private Limited and used by Reliance General Insurance Company Limited under License.
Reliance Health Gain Policy. UIN. RELHLIP22229V032122. RGI/MCOM/CO/RHGP-PS/Ver. 1.0/240322
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DETAILS OF PERSON(S) PROPOSED TO BE INSURED

SECTION A : PERSONAL DETAILS
DETAILS MEMBER 1 MEMBER 2 MEMBER 3 MEMBER 4
Mr. GANPAT
Mr. KESHAVNATH Mr. SHESHERAO
Name of the Insured Person : SHESHERAO
GANPAT GANAPURE GANPAT GANAPURE
GANAPURE
Gender : Male Male Male
Date of Birth (DD/MM/YYYY) : 17/12/1986 10/01/2015 09/12/2011
Relation with Proposer : Self Son Son
Nationality : Indian Indian Indian
Occupation : Doctor Student Student
MEDICAL QUESTIONS
MEMBER 1 MEMBER 2 MEMBER 3 MEMBER 4
The following Medical questions are compulsory for each proposal. Where any of the below responses are positive (Yes), the list of PED questions
shall be triggered
Name of the Member :
Is any person proposed to be insured on (or
prescribed to be on) regular medication : No No No
(Medication prescribed for more than two weeks)?
Is any person proposed to be insured presently
suffering (or suffered in the past 15 days) from
: No No No
anydisease/illness/accident/injury other than
common cold or fever?
Is any person proposed to be insured been
advised to undergo any investigation or further
tests other than routine health check-up or : No No No
pre-employment check-up or routine maternity
checkup in last 3 years?
Has any person proposed to be insured,
undergone any surgery in the last 3 years or is
: No No No
planned to undergo any surgery at present or in
the near future?

IRDAI Registration No. 103 Reliance General Insurance Company Limited An ISO 9001:2015 Certified Company
Registered & Corporate Office: 6th Floor, Oberoi Commerz, International Business Park, Oberoi Garden City, Off.Western Express
Highway, Goregaon (E), Mumbai-400063. Corporate Identity No. U66603MH2000PLC128300. Trade logo displayed above belongs
to Anil Dhirubhai Ambani Ventures Private Limited and used by Reliance General Insurance Company Limited under License.
Reliance Health Gain Policy. UIN. RELHLIP22229V032122. RGI/MCOM/CO/RHGP-PS/Ver. 1.0/240322
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PED QUESTIONS
MEMBER 1 MEMBER 2 MEMBER 3 MEMBER 4
Pre-Existing Disease : NA NA NA
Disease SInce : NA NA NA
LIFESTYLE QUESTIONS
Does any of the persons proposed to be insured
:
use tobacco products/cigarettes or drink alcohol?
Note: The Company may apply a risk loading upto 150% on the premium payable (based upon the declarations made in the Proposal form and the
health status of the members proposed to be insured). These loadings would be applied from the first policy and its subsequent renewals with the
Company.
Any loadings, if applicable, shall be suitably intimated to the Proposer based on the assessment of the Proposal form and/or medical tests. The
Proposer shall be required to pay an additional premium within 7 days of such intimation
The Company shall only be at any risk once it receives and accepts this additional premium. In the event of non-receipt of this additional premium
within the stipulated time, Company shall cancel your proposal and refund the amount after deducting cost of medical tests, if any
SECTION B: EXISTING HEALTH - INSURANCE DETAILS
DETAILS MEMBER 1 MEMBER 2 MEMBER 3 MEMBER 4
Mr. GANPAT
Mr. KESHAVNATH Mr. SHESHERAO
Name of Insurer : SHESHERAO
GANPAT GANAPURE GANPAT GANAPURE
GANAPURE
Policy no. : 17784637 17784637 17784637
Policy Period From (DD/MM/YYYY) : 27/07/2022 27/07/2022 27/07/2022
To :(DD/MM/YYYY) : 26/06/2023 26/06/2023 26/06/2023
Sum Insured (Rs.) : 500000 500000 500000
Cumulative Bonus, if any : 300000 300000 300000
Type of Cover :
Have any of the persons to be insured ever filed a
claim with their current/previous insurer? If yes, :
please provide details on a separate sheet
Has any proposal of life, critical or health insurance
been declined, cancelled or charged a higher
premium?
Are any of the persons proposed for insurance
covered under any other health insurance policy
with the Company?
Are you applying for portability of the above policy?  Y /  N (If yes, please fill in the separate PortabilityForm). If you choose ÔNo,, and continue the
above existing policy along with Reliance HealthGain, the proposal shall be eligible to get a concurrent policy discount on premium.

ATTENDING PHYSICIAN’S DETAIL

Name of Family Physician : NA
(Title) (First Name) (Last Name)
Contact Number : NA E-mail ID NA

PREMIUM PAYMENT DETAILS

Payment frequency : Lump Sum
Payment by : Online
Cheque or DD amount in
Cheque/DD Date :
figures
Cheque or DD amount in
:
words
Bank Name :
Cheque No./DD No./Card No. :
Bank Name :
Name of Premium Payer : Mr. GANPAT SHESHERAO GANAPURE
Note- In case the payment is made through Cheque/DD then please issue an a/c payee instrument in favour of Reliance General Insurance
Company Limited. In case the payment is made through Credit/Debit Card the Card needs to be in the name of Proposer.

IRDAI Registration No. 103 Reliance General Insurance Company Limited An ISO 9001:2015 Certified Company
Registered & Corporate Office: 6th Floor, Oberoi Commerz, International Business Park, Oberoi Garden City, Off.Western Express
Highway, Goregaon (E), Mumbai-400063. Corporate Identity No. U66603MH2000PLC128300. Trade logo displayed above belongs
to Anil Dhirubhai Ambani Ventures Private Limited and used by Reliance General Insurance Company Limited under License.
Reliance Health Gain Policy. UIN. RELHLIP22229V032122. RGI/MCOM/CO/RHGP-PS/Ver. 1.0/240322
Page 15 of 28
 Trejhara

STANDARD DECLARATIONS & WARRANTY ON BEHALF OF ALL PERSONS PROPOSED TO BE INSURED

i. I hereby declare, on my behalf and on behalf of all persons proposed to be insured, that the above statements, answers and / or particulars
given by me are true and complete in all respects to the best of my knowledge and that I/ authorized to propose on behalf of these other
persons.
ii. I understand that the information provided by me will form the basis of the insurance policy, is subject to the Board approved underwriting policy
of the insurer and that the policy will come into force only after full payment of the premium chargeable.
iii. I further declare that I will notify in writing any change occurring in the occupation or general health of the life to be insured / proposer after the
proposal has been submitted but before communication of the risk acceptance by the company.
iv. I declare and consent to the company seeking medical information from any doctor or hospital who/which at any time has attended on the
person to be insured/ proposer or from any past or present employer concerning anything which affects the physical or mental health of the
person to be insured / proposer and seeking information from any insurer to whom an application for insurance on thepersonto be insured /
proposer has been made for the purpose of underwriting the proposal and / or claim settlement.
v. I authorize the company to share information pertaining to my proposal including the medical records of the insured/proposer for the sole
purpose of underwriting and / or claims settlement and with any Governmental and / or Regulatory authority

Signature Date: Place:

27/06/2023 Latur (Latur HT VO)

OTHER DECLARATIONS & WARRANTY ON BEHALF OF ALL PERSONS PROPOSED TO BE INSURED

i. I consent to receive information from the Company through physical, electronic or telecommunication means from time to time
ii. I hereby state that the above-mentioned address shall be taken as address on record for the purpose of GST
iii. I hereby confirm that the contents of the proposal form and connected documents have been fully explained to me/us and I have fully
understood the significance of the proposed contract
iv. I understand that the Policy shall become void at the Company’s option, in the event of misrepresentation, mis-description or non-disclosure of
any material fact in the Proposal form/personal statement, declaration and connected documents or any material information having been
withheld by me or anyone acting on my behalf
v. I hereby declare that the person(s) proposed to be insured would submit to medical examinations, before the nominated doctors of the
Company, or undergo diagnostic or other medical tests, as suggested by the Company for its underwriting.
vi. I consent to provide a valid age proof and identity proof at the time of claims or any other time when required by the Company.
vii. I agree and undertake to convey to the Company any change/alterations carried out in the risk proposed for insurance after submission of this
Proposal form.
viii. I authorize the Company to auto renew the policy issued against this proposal form for ___ years. I understand and agree that the renewal
would be effective subject to receipt of applicable premium before the due date. The premium applicable would be as per age and premium
rates on the due date of renewal
ix. I hereby permit/authorise Reliance General Insurance Company Limited to collect, store, communicate and process information relating to the
Policy(ies) and all transactions related therewith, including sharing and disclosing to public authorities, of any confidential information as
required by law and to send me information in relation to the Policy and General Insurance products & services, irrespective of whether I am
registered with the National Customer Preference Register (NCPR) [formerly the National Do Not Call Registry (NDNC)] or not.
x. To protect the environment and save paper, I hereby give my consent to Reliance General Insurance Company Limited to send me the executed
Policy copy and all related documents and other communications in electronic form by way of email to the aforesaid email id instead of physical
form and also to share all such documents and any updates & alerts via Whatsapp on my registered mobile number with the Company
xi. I hereby authorise Reliance General Insurance Company Limited to collect, store and share the information provided by me for the purposes as
detailed under the Reliance General Insurance Company Limited Privacy Policy [Link to the policy] and the Terms of Use [Link to terms of use]
which I acknowledge to have been read and understood by me and shall be bound by the same, subject to the understanding that use and
transmission of such personal information shall be done in a secure and confidential manner and that I shall have the right to withdraw such
consent at any given time by intimating as such to Reliance General Insurance Company Limited.

Signature Date: Place:

IRDAI Registration No. 103 Reliance General Insurance Company Limited An ISO 9001:2015 Certified Company
Registered & Corporate Office: 6th Floor, Oberoi Commerz, International Business Park, Oberoi Garden City, Off.Western Express
Highway, Goregaon (E), Mumbai-400063. Corporate Identity No. U66603MH2000PLC128300. Trade logo displayed above belongs
to Anil Dhirubhai Ambani Ventures Private Limited and used by Reliance General Insurance Company Limited under License.
Reliance Health Gain Policy. UIN. RELHLIP22229V032122. RGI/MCOM/CO/RHGP-PS/Ver. 1.0/240322
Page 16 of 28
 Trejhara

VERNACULAR DECLARATION FOR INTERMEDIARY AND PROPOSER

The contents of this Proposal form have been read over and fully explained to me in______________ language. I further confirm and declare that
the contents read over and explained to me have been understood by me.

Place: Date: Signature/Thumb impression of (Proposer)

Explained ByIntermediay(Name):

Place Date: Signature of Intermediary

PROHIBITION OF REBATES – SECTION 41 OF INSURANCE ACT, 1938

1. No person shall allow or offer to allow, either directly or indirectly, as an inducement to any person to take out or renew or continue an
insurance in respect of any kind of risk relating to lives or property in India, any rebate of the whole or part of the commission payable or any
rebate of the premium shown on the policy, nor shall any person taking out or renewing or continuing a policy accept any rebate, except such
rebate as may be allowed in accordance with the published prospectuses or tables of the insurer.
2. Any person making default in complying with the provisions of this section shall be liable for a penalty which may extend to ten lakh rupees.

AML GUIDELINES
1. I/We hereby confirm that all premiums have been/will be paid from bonafide sources and no premiums have been /will be paid out of
proceeds of crime related to any of the offense listed in Prevention of Money Laundering Act,2002
2. I Understand that the Company has the right to call for document to established sources of funds
3. The Insurance Company has right to cancel the insurance contract in case I am/have been found guilty by competent court of law under any of
the statutes, directly or indirectly governing the prevention of money laundering in India.

Place: Date: Signature/Thumb impression of (Proposer)

*Optional Covers are available for Sum Insured Rs 5 lakhs and above except for Benefit no.3.7.3 Change in Room Rent Limits and
Benefit no-3.7.5 Voluntary Aggregate Deductible
Note-The maximum liability of the Company to pay the claims under this Policy is limited to Total Liability defined under the Policy.

IRDAI Registration No. 103 Reliance General Insurance Company Limited An ISO 9001:2015 Certified Company
Registered & Corporate Office: 6th Floor, Oberoi Commerz, International Business Park, Oberoi Garden City, Off.Western Express
Highway, Goregaon (E), Mumbai-400063. Corporate Identity No. U66603MH2000PLC128300. Trade logo displayed above belongs
to Anil Dhirubhai Ambani Ventures Private Limited and used by Reliance General Insurance Company Limited under License.
Reliance Health Gain Policy. UIN. RELHLIP22229V032122. RGI/MCOM/CO/RHGP-PS/Ver. 1.0/240322
Page 17 of 28
 Trejhara

PORTABILITY FORM AND ANNEXURE

Reliance Health Gain Policy and RELHLIP22229V032122

Proposer Details for Proposal form no:

Name: Mr. GANPAT SHESHERAO GANAPURE
Date of Birth : 17/12/1986 Gender Male
Nationality: Indian Email: [email protected]
Mobile No.: 9552022295 Alternative Email:
Alternative Mobile No.
S/O: SHESHERAO GANAPURE, H.NO. R 1/915,
Address: RADHAKRISHNA MANDIR,RADHA KRISHNA City LATUR
NAGAR,LATUR,LATUR,LATUR,MAHARASHTRA,413512
State: MAHARASHTRA Pin Code 413512
Details of Existing User
Name of the Insurer : Care Health Insurance Company
Name of the Product : Care Shield Sum Insured 500000
Cumulative Bonus : 300000.0000 Add-Ons / Riders Taken NA
Policy No. 17784637
Details of the proposed insurance
Name of the Product Proposed/Intended to apply under
Reliance Health Gain Policy
Portability
Sum Insured Proposed 1000000
Whether Cumulative Bonus to be converted to an Enhanced
No
Sum Insured
Reason(s) for Portability Renewal notices not received
Number of family members to be included in the Policy to be
3
Ported

Enclosuer: Photocopy of the existing Policy documents.

Date: Signature of the Proposer:

PART- II
1. Whether the PED exclusions / time bound exclusion have longer exclusion period than the existing policy: (Yes/No)

2. If YES, please give written consent to the declaration below:

I am aware that the waiting period for the following disease(s)/treatment(s) is ____ days / years more than the previous policy terms. I hereby agree to observe the
aditional waiting period for the following disease(s)/treatment(s).

Date: Signature of the Proposer:

IRDAI Registration No. 103 Reliance General Insurance Company Limited An ISO 9001:2015 Certified Company
Registered & Corporate Office: 6th Floor, Oberoi Commerz, International Business Park, Oberoi Garden City, Off.Western Express
Highway, Goregaon (E), Mumbai-400063. Corporate Identity No. U66603MH2000PLC128300. Trade logo displayed above belongs
to Anil Dhirubhai Ambani Ventures Private Limited and used by Reliance General Insurance Company Limited under License.
Reliance Health Gain Policy. UIN. RELHLIP22229V032122. RGI/MCOM/CO/RHGP-PS/Ver. 1.0/240322
Page 18 of 28
 Trejhara

ANNEXURE- II
1. Details of the person proposed to be insured **

Sum Cumulative Exclusion

Name of Insured Policy No. Previous Insurer Start Date End Date Loading
Insured(Rs.) Bonus (s)
Mr. GANPAT
Care Health Insurance 26/06/202
SHESHERAO 17784637 27/07/2022 500000 300000 NA 27/07/2022
Company 3
GANAPURE
Mr. KESHAVNATH
Care Health Insurance 26/06/202
GANPAT 17784637 27/07/2022 500000 300000 NA 27/07/2022
Company 3
GANAPURE
Mr. SHESHERAO
Care Health Insurance 26/06/202
GANPAT 17784637 27/07/2022 500000 300000 NA 27/07/2022
Company 3
GANAPURE
** Please fill separate annexure for member with different details.
2. Existing Policy Type Individual Floater

CLAIM DECLARATION
2. Any claim history of the person(s) proposed to be insured with the previous insurer(s)? Yes No
A. If Yes, please provide below details:
Name of Insured Claims Submitted Year of Claim Details of Ailment
Mr. GANPAT SHESHERAO
No
GANAPURE
Mr. KESHAVNATH GANPAT
No
GANAPURE
Mr. SHESHERAO GANPAT
No
GANAPURE

B. If No, then please fill the below declaration :

I wish to migrate to Reliance Health Gain Policy with Reliance General Insurance Company Limited under the applicable IRDAI regulations on portability, and
declare that the cumulative bonus accrued, as stated by me above is correct and that no claim has arisen in the expiring policy(ies).

I understand that Reliance General Insurance Company Limited will be issuing the policy based on the information provided and declarations submitted in the
proposal form and related annexures. In case any information provided by me, in whole or part is found to be incomplete and/or incorrect and/or fraudulent then,
the policy shall become void at the option of Reliance General Insurance Company Limited without any refund, as stated in Policy terms and conditions.

Date: Signature of the Proposer:

IMPORTANT POINTS TO NOTE :

• The application for portability must be provided atleast 45 days in advance but not earlier than 60 days of renewal date of existing policy.
• Any pre-policy checkup must be completed within 7 days of intimation.
• Any additional information/acceptance of revised offer must be provided within 7 days from the receipt of intimation.
• Please attach following documents with the Portability Form annexure :

• Copy of all previous policy schedule(s) with latest renewal notice.

• If there is a claim in existing policy, then discharge summary, investigation and follow up report copies.
• If there is a past medical history, then consultation papers, prescription, investigation, treatment and report copies.

Note: All documents to be counter signed by the Proposer.

IRDAI Registration No. 103 Reliance General Insurance Company Limited An ISO 9001:2015 Certified Company
Registered & Corporate Office: 6th Floor, Oberoi Commerz, International Business Park, Oberoi Garden City, Off.Western Express
Highway, Goregaon (E), Mumbai-400063. Corporate Identity No. U66603MH2000PLC128300. Trade logo displayed above belongs
to Anil Dhirubhai Ambani Ventures Private Limited and used by Reliance General Insurance Company Limited under License.
Reliance Health Gain Policy. UIN. RELHLIP22229V032122. RGI/MCOM/CO/RHGP-PS/Ver. 1.0/240322
Page 19 of 28
 Trejhara

RELIANCE HEALTH GAIN POLICY - CUSTOMER INFORMATION SHEET

(Description is illustrative and not Exhaustive)
SI Refer to Policy
TITLE DESCRIPTION
NO Clause Number
1 Product Name Reliance Health Gain Policy
2 What am I covered 3.1
Hospitalization Covers
for
a. Hospitalization Expenses - This benefit indemnifies the Insured Person for any 3.1.1
medical expenses incurred on In-Patient Treatment or Day Care Treatment including the
expenses incurred on AYUSH Treatment.
b.This benefit pays fixed daily amount of Rs 1000,if the Insured Person undergoes
Hospitalization for In-Patient Treatment and occupies the following Room Categories
Plan Plus & Power : Twin sharing Room or below
Plan Prime: Single Private Air Conditioned Room or below
b. Domestic Road Ambulance - This benefit indemnifies the Policyholder/ Insured 3.1.2
Person up to an amount of Rs. 1,500 , Rs. 3,000 or actual (as per Plan opted), per
Hospitalization on availing Ambulance services offered by a Hospital or by an
Ambulance service provider. The benefit is extended to provide Rs 20000 or actual (as
per plan opted) intercity transportation cost beyond 100 km.
c. Domiciliary Hospitalization - This cover pays reasonable and customary charges for 3.1.3
the medical expenses incurred during Domiciliary Hospitalization as defined under this
Policy, provided that the condition for which the medical treatment is required continues
for at least three continuous and completed days
d. Modern Treatment - Coverage up to 50% or 100% of Base S.I (as per Plan opted) 3.1.4
under this benefit for the medical expenses incurred during the Policy Year on Inpatient
Treatment or Daycare Treatment or Domiciliary Treatment of listed Modern Treatment
Methods
e. Pre and Post - Hospitalization - This cover indemnifies the Insured Person for 3.1.5
3.1.6
Pre-Hospitalization Expenses for a period of 60 days and Post Hospitalization Expenses
for a period of 60 or 90 days (as per Plan opted)
f. Organ Donor Expenses - This cover indemnifies the Policyholder/Insured Person up to 3.1.7
50% of Base Sum Insured subject to maximum of Rs. 5 Lakhs or 10 Lakhs (as per plan
opted), incurred during Hospitalization, in respect of donor for any organ transplant
Surgery conducted on Insured Person during the Policy Year
Extra Cover 3.2
g. Reinstatement of Base Sum Insured - On subsequent claim,one reinstatement up 3.2.1
to 100% of Base Sum Insured for unrelated illness/injury, sub-limit of 20% of Base Sum
Insured for related illness/injury
h. Extra Sum Insured - This benefit provides an additional 20% of Base Sum Insured 3.2.2
on same claim, in single hospitalization after exhaustion of Base Sum Insured under the
Policy
Personal Accident 3.3
i. Accidental Death Cover - This benefit provides Personal Accident Death cover of 5% 3.3.1
of Base Sum Insured subject to minimum of Rs 1 lakh to the Insured Person, if during
the Policy Year, Insured Person sustains an injury from an Accident which is the sole and
direct cause of his/her death.
This benefit shall be applicable for Plan-Power and Plan-Prime

IRDAI Registration No. 103 Reliance General Insurance Company Limited An ISO 9001:2015 Certified Company
Registered & Corporate Office: 6th Floor, Oberoi Commerz, International Business Park, Oberoi Garden City, Off.Western Express
Highway, Goregaon (E), Mumbai-400063. Corporate Identity No. U66603MH2000PLC128300. Trade logo displayed above belongs
to Anil Dhirubhai Ambani Ventures Private Limited and used by Reliance General Insurance Company Limited under License.
Reliance Health Gain Policy. UIN. RELHLIP22229V032122. RGI/MCOM/CO/RHGP-PS/Ver. 1.0/240322
Page 20 of 28
 Trejhara

Critical illness 3.4

j. Waiver of Premium- This benefit waives off the renewal Policy premium for one year, 3.4.1
in case of first Diagnosis of any of the listed(mentioned in Policy wordings)Critical Illness.
For long term policies, the Company shall waive off one-year proportionate renewal
Policy Premium.
This benefit is provided once in the lifetime of the Policyholder
This benefit shall be applicable for Plan-Power and Plan-Prime
Renewal Benefits 3.5
k. Cumulative Bonus- This renewal benefit increases the Base Sum Insured by 33.33% 3.5.1
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.
l. Call Option for Enhancement of Base Sum Insured - After 4 continuous and 3.5.2
consecutive claim free Policy Years, if Policyholder avails this benefit then enhanced Sum
Insured will be sum of expiring Policy's Base Sum Insured and accumulated Cumulative
Bonus
m. Loyalty Cover: At the end of each completed and continuous Policy Year, the 3.5.3
3.5.3.1
Company shall provide Loyalty Cover to the Policyholder (who is also an Insured Person)
3.5.3.2
under the Policy. 3.5.3.3
Policy Year-2: Accidental Death +Permanent Total Disability 3.5.3.4
Policy Year 3: Accidental Death +Permanent Total Disability+ Critical Illness 3.5.3.5
Policy Year 4: Accidental Death +Permanent Total Disability+ Critical Illness+ Hospital
Cash
Policy Year 5: Accidental Death +Permanent Total Disability+ Critical Illness+ Hospital
Cash+ Leave Compensation Benefit.
Value Added Services 3.6
n. Wellness Services-This is a service benefit in which Insured can seek Medical advice 3.6.1
through telephonic or online mode
o. Claim Service Guarantee –The Company is liable to pay the Insured Person for the 3.6.2 (i,ii)
delay in processing of claim for Benefit-Hospitalization Expenses in the following
manner:
i. Cashless Claims - 1% for every delay of 6 hours beyond 6 hours of receipt of all
information / documents
ii. Re-imbursement Claims - 1% for every delay of 21 days beyond 21 days of receipt of
all information/documents
Maximum liability is limited to 6% Delayed Claim Amount
p. Policy Service Guarantee - In the event of delay in the process of issuing a Policy 3.6.3
beyond 10 Working days from date of receipt of all required and completed
documents, the Company shall provide a one time additional amount of Sum Insured
of Rs. 10,000 or Rs. 20,000 (as per Plan opted)

IRDAI Registration No. 103 Reliance General Insurance Company Limited An ISO 9001:2015 Certified Company
Registered & Corporate Office: 6th Floor, Oberoi Commerz, International Business Park, Oberoi Garden City, Off.Western Express
Highway, Goregaon (E), Mumbai-400063. Corporate Identity No. U66603MH2000PLC128300. Trade logo displayed above belongs
to Anil Dhirubhai Ambani Ventures Private Limited and used by Reliance General Insurance Company Limited under License.
Reliance Health Gain Policy. UIN. RELHLIP22229V032122. RGI/MCOM/CO/RHGP-PS/Ver. 1.0/240322
Page 21 of 28
 Trejhara

Optional Covers 3.7

q. Enchanced Covers
i. Guaranteed Cumulative Bonus:This benefit is an extension to Benefit-Cumulative 3.7.1.1
Bonus, this benefit waives off the condition to reduce Cumulative Bonus in case of a
claim in immediate previous Policy Year
ii. Unlimited Reinstatement of Base Sum Insured: On subsequent claims, Unlimited 3.7.1.2
reinstatement of Base Sum Insured on unrelated illness or injury, sub-limit of 100%
of Base Sum Insured for related illness/injury
iii. Consumable Cover: This benefit pays the Reasonable and Customary expenses 3.7.1.3
which are listed in Annexure - A List I as Optional Items
r. Double Cover: This benefit provides an additional 100% of Base Sum Insured 3.7.2
which can be utilized on the same claim, after exhaustion of Base Sum Insured
This benefit supersedes Benefit-Extra Sum Insured
s. Change in Room rent Limit: This benefit gives an option to Policyholder to change 3.7.3
the allowable Room Category
t. Reduction in Pre-Existing Waiting Period: This benefit reduces the Pre-Existing 3.7.4
Waiting Period to 24 months or 12 months
u. Voluntary Aggregate Deductible: The benefit gives an option to the Policyholder 3.7.5
to avail discount in premium by choosing (10000,25000,50000,100000)as the
Voluntary annual Aggregate Deductible
v. Removal of Co-Payment: This benefit waives off the Co-Payment condition of 3.7.6
20% on the assessed claim amount, applicable on Policies where at the time of
inception of the first Policy, the age of the Insured Person (or eldest Insured Person
in case of Family Floater Policy) is 61 years and above
w. Hospital Cash:
i. In Patient Cash: This benefit pays equal to selected Daily Cash Amount, max up 3.7.7.1
to 30 days, provided the Company has accepted the claim under Benefit –In
Patient Treatment.
ii. ICU Cash: This benefit pays an additional 100% of selected Daily Cash Amount, 3.7.7.2
max up to 15 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
x. Convienience Cover 3.7.8
i. Change in Pre -Post Hospitalization limit: The benefit, enhances the Pre 3.7.8.1
3.7.8.2
Hospitalization limit to 90 days and Post Hospitalization limit to 180 days
ii. Air Ambulance: This benefit indemnifies up to 7.5% of Base Sum Insured or Rs. 5 3.7.8.3
Lakhs whichever is higher, for the expenses incurred on availing Air Ambulance
services
iii. Radio Taxi: This benefit indemnifies up to Rs. 1000 per Hospitalization on availing 3.7.8.4
registered Radio cab operator services
iv. Convalescence Cover: This benefit pays a lumpsum amount of Rs. 10000 or Rs. 3.7.9
3.7.9.1
25000 (as per Plan opted), if the Insured Person is hospitalized for a minimum
period of 7 continuous and consecutive days

IRDAI Registration No. 103 Reliance General Insurance Company Limited An ISO 9001:2015 Certified Company
Registered & Corporate Office: 6th Floor, Oberoi Commerz, International Business Park, Oberoi Garden City, Off.Western Express
Highway, Goregaon (E), Mumbai-400063. Corporate Identity No. U66603MH2000PLC128300. Trade logo displayed above belongs
to Anil Dhirubhai Ambani Ventures Private Limited and used by Reliance General Insurance Company Limited under License.
Reliance Health Gain Policy. UIN. RELHLIP22229V032122. RGI/MCOM/CO/RHGP-PS/Ver. 1.0/240322
Page 22 of 28
 Trejhara

y. Preventive Care Cover

i. Health Checkup: At the end of every Policy Year, this benefit indemnifies up to Rs 3.7.9.2
3000 towards the diagnostic or preventive medical tests (listed in Policy wordings)
taken by the Insured Persons in the Policy
ii. Vaccination Cover: At the end of every Policy Year, this benefit indemnifies up to 3.7.10
3.7.10.1
Rs. 2000 or Rs. 3500 (as per Plan opted) towards the expenses for the vaccine
(listed in policy wordings) taken by the Insured Persons in the Policy
z. Smart Cover 3.7.10.2
i. Change in Modern Treatment limits: This benefit increases the Modern Treatment 3.7.10.3
limit from 50% of Base Sum Insured to 100% of Base Sum Insured
This benefit is applicable only for Plan- Plus and Plan- Power
ii. Vision Correction: This benefit indemnifies up to Rs. 50000 or Rs. 100000 (as per
plan opted) for the medical expenses incurred for correction of eyesight due to
refractive error on the written advice of the Medical Practitioner
iii. Second Opinion: This benefit indemnifies up to Rs. 3000 or Rs. 5000 (as per plan 3.7.11
opted) for availing second medical opinion from a Medical Practitioner within India
aa. Family Care Cover 3.7.11.1
i. Home Care Treatment: This benefit indemnifies the Insured for the medical 3.7.11.2
expenses incurred towards Home Care Treatment for any of the treatments (listed
in the Policy wordings) under the Policy
ii. Companion Cover: This benefit pays a fixed daily amount of Rs. 1000 towards
expenses incurred by the Companion towards accommodation, transportation,
food or any other miscellaneous expenses.
Minimum 72 hours of Hospitalization is must
iii. Child Care Cover: This benefit pays a fixed daily amount of Rs. 1000 towards child 3.7.11.3
care expenses for any one dependent child covered under the Policy up to 12 years
of age.
Minimum 72 hours of Hospitalization is must
What are the major 4
3 exclusion in the Following is a partial list of the policy exclusions. Please refer to the policy document for
policy the complete list of exclusions:
a. Investigation & Evaluation (Code:Excl04)
b. Rest Cure, rehabilitation and respite care (Code:Excl05)
c. Obesity/ Weight Control (Code:Excl06)
d. Change-of-Gender treatments (Code:Excl07)
e. Cosmetic or Plastic Surgery (Code: Excl08)
f. Hazardous or Adventure sports(Code:Excl09)
g. Breach of law (Code: Excl10)
h. Excluded Providers (Code:Excl11)
i. Substance Abuse and Alcohol (Code: Excl12)
j. Wellness and Rejuvenation (Code:Excl13)
k. Dietary Supplements & Substances (Code: Excl14)
l. Refractive Error (Code: Excl15)
m. Unproven Treatments-Code (Code: Excl16)
n. Sterility and Infertility (Code: Excl17)
o. Maternity Expenses (Code - Excl 18)

IRDAI Registration No. 103 Reliance General Insurance Company Limited An ISO 9001:2015 Certified Company
Registered & Corporate Office: 6th Floor, Oberoi Commerz, International Business Park, Oberoi Garden City, Off.Western Express
Highway, Goregaon (E), Mumbai-400063. Corporate Identity No. U66603MH2000PLC128300. Trade logo displayed above belongs
to Anil Dhirubhai Ambani Ventures Private Limited and used by Reliance General Insurance Company Limited under License.
Reliance Health Gain Policy. UIN. RELHLIP22229V032122. RGI/MCOM/CO/RHGP-PS/Ver. 1.0/240322
Page 23 of 28
 Trejhara

Specific Exclusions
p. Treatment outside Discipline
q. Hearing Aids and spectacles
r. External durable medical equipment
s. Sleep Apnea
t. External Congenital Anomaly
u. Artificial Life support equipment’s
v. Non-payable items
w. Outpatient Treatment
x. Overseas Treatment
y. Self-injury
z. Documentation charges
aa. Charges other than Reasonable & Customary Charges
bb. RMO charges and Service charge
cc. Nuclear Attack
dd. War
4 Waiting Periods a. 36 months waiting period for Pre-Existing Disease (Code: Excl01) 4.1.1
24 months waiting period for Specified disease/procedure waiting period code 4.1.2
b.
(Code: Excl02)
c. 30 Days Waiting Period (Code: Excl03) 4.1.3
d. 15 days Waiting Period for treatment of Covid-19 4.2.1
Payment on indemnity basis for all covers except for Accommodation Bonus, Accidental
5 Payment Basis Death Cover, Loyalty Cover and Hospital Cash, Convalescence Cover, Companion Cover
and Child Care Cover which are on Benefit basis
6 Loss Sharing In case of a claim, this policy requires you to share the following costs:
Expenses exceeding the following Sub-Limits
a. Domestic Road Ambulance: Plan-Plus up to 1500 per hospitalization and Intercity 3.1.2
(beyond 100 km) ambulance cost: Rs 20000 per hospitalization Plan-Power: up to
3000 per hospitalization and Intercity (beyond 100km) ambulance cost: Rs 20000
per hospitalization Plan Prime: Actuals (even for intercity transportation beyond
100km)
b. Modern Treatment: Plan-Plus and Power: up to 50% of Base Sum Insured 3.1.4
c. Organ Donor Expenses: Plan-Plus and Plan-Power: Up to 50% of Sum Insured 3.1.7
subject to maximum of 5 lacs
Plan-Prime: Up to 50% of Sum Insured subject to maximum of 10 lacs
d. Air Ambulance: 7.5% of Base Sum Insured or Rs 5 Lakhs whichever is higher.
e. Radio Taxi: 1000 per Hospitalization
f. Health Checkup: 3000 3.7.8.2
g. Vaccination Cover: Plan - Plus & Power: 2000 and Plan - Prime: 3500 3.7.8.3
h. Vision Correction: Plan - Plus: 50000 and Plan - Power and Prime: 100000 3.7.9.1
i. Second Opinion: Plan- Plus: 3000 and Plan - Prime: 5000 3.7.9.2

IRDAI Registration No. 103 Reliance General Insurance Company Limited An ISO 9001:2015 Certified Company
Registered & Corporate Office: 6th Floor, Oberoi Commerz, International Business Park, Oberoi Garden City, Off.Western Express
Highway, Goregaon (E), Mumbai-400063. Corporate Identity No. U66603MH2000PLC128300. Trade logo displayed above belongs
to Anil Dhirubhai Ambani Ventures Private Limited and used by Reliance General Insurance Company Limited under License.
Reliance Health Gain Policy. UIN. RELHLIP22229V032122. RGI/MCOM/CO/RHGP-PS/Ver. 1.0/240322
Page 24 of 28
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Co-Payment
20% co-payment on the Assessed Claim Amount if at the time of inception of the first 6.2
Policy with the Company, the age of the Insured Person (or eldest Insured Person in case
of Family Floater Policy) is 61 years and above.
Zone based Co-payment: 20% co-payment for claims administered from Zone A, if
policy was issued for Zone B.
The policy shall ordinarily be renewable except on grounds of fraud, moral hazard, 5.1.10
7 Renewal Condition misrepresentation by the insured person. Renewal shall not be denied on the ground
that the insured had made a claim or claims in the preceding policy years
8 Renewal Benefits a. Cumulative Bonus 3.5.1
b. Call Option for Enhancement of Base Sum Insured 3.5.2
c. Loyalty Cover 3.5.3
d. Waiver of Premium 3.4.1
e. Guaranteed Cumulative Bonus(if applicable) 3.7.1.1
The Policyholder may cancel this Policy by giving 15 days' written notice, and in such 5.1.7
9 Cancellation a. an event, the Company shall refund premium on short term rates for the unexpired
Policy Period as per the rates detailed in the policy terms and conditions.
The Company may cancel the policy at any time on grounds of misrepresentation,
b. nondisclosure of material facts, fraud by the Insured Person by giving 15 days'
written notice
a. For Cashless Service: Insured may refer Pre-Authorization form attached as 6.1.2 (i)
Annexure-C to the Policy Wordings and for updated Hospital Network details refer the
10 Claims link
https://www.reliancegeneral.co.in/Insurance/Self-Help/Cashless-Garages-and-Hospita
ls.aspx?network=Hospitals
b. For Reimbursement of Claim : For reimbursement of claims the insured person may 6.1.2 (ii)
submit the necessary documents to TPA/Company within the prescribed time limit as
specified here under

Sr
Type of Claim Prescribed Time limit
no.
1 Reimbursement of hospitalization, day care Within fifteen days from
and pre hospitalization expenses completion of hospitalization
2 Within fifteen days from
Reimbursement of post expenses post
completion of post
hospitalization treatment
hospitalization
For details on claim procedure please refer the policy document
Any issues related with respect to policy, kindly
E-mail us at [email protected]
and for correspondence contact us Reliance General Insurance Company Limited
11 Policy Servicing Correspondence Address –
Reliance General Insurance., Winway Building 2nd & 3rd Floor, 11/12 Block No-4, Old
no-67, South Tukoganj, Indore (M.P) - 452001
Contact No.- 022- 41112600

IRDAI Registration No. 103 Reliance General Insurance Company Limited An ISO 9001:2015 Certified Company
Registered & Corporate Office: 6th Floor, Oberoi Commerz, International Business Park, Oberoi Garden City, Off.Western Express
Highway, Goregaon (E), Mumbai-400063. Corporate Identity No. U66603MH2000PLC128300. Trade logo displayed above belongs
to Anil Dhirubhai Ambani Ventures Private Limited and used by Reliance General Insurance Company Limited under License.
Reliance Health Gain Policy. UIN. RELHLIP22229V032122. RGI/MCOM/CO/RHGP-PS/Ver. 1.0/240322
Page 25 of 28
 Trejhara

a. Details of Grievance redressal officer refer the link 5.1.17

Grievances/ (https://www.reliancegeneral.co.in/Insurance/About-Us/Grievance-Redressal.aspx
12 b.IRDAI Integrated Grievance Management System-https://igms.irda.gov.in/
Complaints
c. Insurance Ombudsman - The contact details of the Insurance Ombudsman offices
have been provided as Annexure-B of Policy document
13 Insured’s Rights a. Free Look period of 15 days from the date of receipt of the policy shall be 5.1.15
applicable at the inception
b. Lifelong renewability (except on certain specific grounds) 5.1.10
c. Right to migrate from one product to another product of the company 5.1.8
(E-mail us at [email protected] and For correspondence contact us
Reliance General Insurance,Winway Building 2nd & 3rd Floor,11/12 Block No-4,Old
no-67,South Tukoganj, Indore(M.P) -452001
Contact No.- 022-41112600
d. Right to port the from one company to another company (E-mail us at 5.1.9
rgicl.services@ relianceada.com and For correspondence contact us Reliance
General Insurance, Winway Building 2nd & 3rd Floor, 11/12 Block No-4, Old no-67,
South Tukoganj Indore (M.P) -452001
Contact No.- 022-41112600
e. Change in SI during the policy term or at the time of renewal E-mail us at 5.2.6
[email protected]
f. Norms on TAT for Pre-Auth and Settlement of reimbursement. 3.2.6
Sr
Type of Claim Prescribed Time limit
no.
1 Within six hours of receipt of
Pre-Authorization
necessary document
2 Reimbursement of hospitalization, Within twenty one days of date of
day care and expenses receipt of last necessary document.

Insured’s Please disclose all pre-existing disease/s or condition/s before buying a policy. 5.2.4
14
Obligations Non-disclosure may result in claim not being paid
Legal Disclaimer Note: The information must be read in conjunction with the product brochure and policy document. In case
of any conflict between the CIS and the policy document, the terms and conditions mentioned in the policy document shall
prevail.

IRDAI Registration No. 103 Reliance General Insurance Company Limited An ISO 9001:2015 Certified Company
Registered & Corporate Office: 6th Floor, Oberoi Commerz, International Business Park, Oberoi Garden City, Off.Western Express
Highway, Goregaon (E), Mumbai-400063. Corporate Identity No. U66603MH2000PLC128300. Trade logo displayed above belongs
to Anil Dhirubhai Ambani Ventures Private Limited and used by Reliance General Insurance Company Limited under License.
Reliance Health Gain Policy. UIN. RELHLIP22229V032122. RGI/MCOM/CO/RHGP-PS/Ver. 1.0/240322
Page 26 of 28
 Trejhara

Premium Illustration
Benefit Illustration in respect of policies offered on Individual and Family Floater basis
Coverage opted on
individual basis Coverage opted on individual basis
Age of the Coverage opted on family floater basis with
covering each covering multiple members of the family
members overall Sum insured (Only one sum insured is
member of the family under a single policy (Sum insured is
insured available for the entire family)
separately (at a single available for each member of the family)
point in time)
Premium or
Premium consolidate Premium
Sum Sum Floater
Premium Premium Discount, if after d premium after Sum
insured (Rs insured discount, if
(Rs.) (Rs.) any discount for all discount insured (Rs.)
.) (Rs.) any
(Rs.) members of (Rs.)
family (Rs.)
51 years 14,524 5 lakhs 14,524 13,072 5 lakhs
44 years 7,551 5 lakhs 7,551 6,796 5 lakhs
10% 25,691 0% 25,691 5 lakhs
23 years 5,055 5 lakhs 5,055 4,550 5 lakhs
18 years 3,428 5 lakhs 3,428 3,085 5 lakhs
Total Premium for all members of Total Premium for all members of the family is
Total Premium when policy is opted on floater
the family is Rs. 30,558 when each Rs. 27,502 when they are covered under a
basis is Rs. 25,691
member is covered separately. single policy.

Sum insured available for each Sum insured available for each family member Sum insured of Rs. 5 lakhs is available for the
individual is Rs. 5 lakhs is Rs. 5 lakhs entire family.
Note: Premium rates specified in the above illustration are standard premium rates for Zone A without any loading. Also, the
premium rates are exclusive of taxes applicable

IRDAI Registration No. 103 Reliance General Insurance Company Limited An ISO 9001:2015 Certified Company
Registered & Corporate Office: 6th Floor, Oberoi Commerz, International Business Park, Oberoi Garden City, Off.Western Express
Highway, Goregaon (E), Mumbai-400063. Corporate Identity No. U66603MH2000PLC128300. Trade logo displayed above belongs
to Anil Dhirubhai Ambani Ventures Private Limited and used by Reliance General Insurance Company Limited under License.
Reliance Health Gain Policy. UIN. RELHLIP22229V032122. RGI/MCOM/CO/RHGP-PS/Ver. 1.0/240322
Page 27 of 28
 Trejhara

POLICY NO : 625022328680000463 VALID UPTO: 26/06/2024 REG. MOBILE NO: 9552022295

Insured Name Date Of Birth UHID

Mr. GANPAT SHESHERAO GANAPURE 17/12/1986 28682230448432
Mr. KESHAVNATH GANPAT GANAPURE 10/01/2015 28682230448433
Mr. SHESHERAO GANPAT GANAPURE 09/12/2011 28682230448434

Please quote your UHID No. for assistance

This card is invalid if the policy is cancelled

Immediate intimation to RCare is a must in case of hospitalization
To avail cashless facility at our Network Hospitals, please carry
your Health Card & Photo ID proof at the Hospital Helpdesk
Updated list of Network Hospitals is available on
www.reliancegeneral.co.in

RCare Health:
Reliance General Insurance, No.1-89/3/B/40 to 42/ks/301, 3rd floor, Krishe Block, Krishe
Sapphire, Madhapur, Hyderabad - 500081.

IRDAI Reg. No. 103.

Reliance General Insurance Company Limited
Registered & Corporate Office: 6th Floor, Oberoi Commerz, International Business Park, Oberoi
Garden City, Off. Western Express Highway, Goregaon (E), Mumbai-400063. Trade Logo
displayed above belongs to Anil Dhirubhai Ambani Ventures Private Limited and used by
Reliance General Insurance Company Limited under License.

Reliance Health Gain Policy. UIN: RELHLIP22229V032122

IRDAI Registration No. 103 Reliance General Insurance Company Limited An ISO 9001:2015 Certified Company
Registered & Corporate Office: 6th Floor, Oberoi Commerz, International Business Park, Oberoi Garden City, Off.Western Express
Highway, Goregaon (E), Mumbai-400063. Corporate Identity No. U66603MH2000PLC128300. Trade logo displayed above belongs
to Anil Dhirubhai Ambani Ventures Private Limited and used by Reliance General Insurance Company Limited under License.
Reliance Health Gain Policy. UIN. RELHLIP22229V032122. RGI/MCOM/CO/RHGP-PS/Ver. 1.0/240322
Page 28 of 28