General Insurance

Life is extremely unpredictable and you never know when we face an unforeseen event such as an accident, illness, burglary, a damaged vehicle, or anything else that can turn your life upside down. General insurance prepares you for these uncertainties and ensures they don’t cause you a financial tragedy.

The varied general insurance solutions that we offer provide ample protection so you can enjoy life with confidence. Our general insurance policies offer a comprehensive coverage and can be instantly purchased online at the comfort of your home.


Reliance Car insurance policy provides you world class coverage at the most affordable prices. Considering Car insurance in India is mandatory by law, vehicle insurance is a prudent investment. Go through its features to make the right choice and select the best car insurance company in India:

  • coneGet FREE Roadside assistance ​worth Rs.500
  • perSave up​to 55%* on Reliance car insurance policy
  • bagExc​lusive option to retain the e​​arn​ed No-Claim Bonus​​ even after a claim​
  • settingCashless facilities across 23​00+ garages in our network
  • docMultiple choices of customised add-on covers to give​​ you better coverage


What does my policy cover?:

We have our tried our best to cover you against almost every difficult situation. The following is the list for the same:

  • Lightening
  • Accident
  • Theft
  • Riot & Strikes and / or Malicious Acts
  • Flood
  • Fire
  • Self-Ignition
  • Transportation by Air, Train, Road, and Elevator
  • Cyclone
  • Explosion
  • Terrorism
  • Flood
  • Inundation

We all want a little extra. Reliance Car insurance policy ensures you never get stranded again with our FREE 24X7 Roadside Assistance feature. Enjoy the benefit of roadside assistance within an impressive 25-km radius of the location of your car breakdown. It will be your savior in dire situations and provide the following benefits:

  • Towing Assistance
  • Battery Jumpstart
  • Minor Repairs
  • Tire Punctures
  • Emergency Fuel Assistance
  • Delivering Back-Up Key
  • Organizing a taxi
  • Organizing Hotel Accommodation
  • Sending Outgoing Messages

What does it not cover?:

Although we’d like your motor insurance policy to cover all types of situations, it isn’t possible. Some of the exclusions are as follows:

  • Normal wear-and-tear of the car
  • Mechanical and electrical breakdown
  • Cars being used other than in accordance with the limitations as to use. For example, if you use a private car for remuneration purpose.
  • Damage to / by person driving without a valid driving license
  • Loss or damage caused while driving under the influence of alcohol or any other intoxicating substance
  • Loss or damage due to depreciation of the car’s value
  • Loss or damage due to war or nuclear risks
  • Consequential loss – if the original damage causes subsequent damage / loss, only the original damage will be covered.
  • Compulsory deductibles – a fixed amount that gets deducted at the time of the claim.


Reliance Two Wheeler Insurance policy covers your bike against the risk of unforeseen events. Get the most competitive prices on the market and a comprehensive coverage on your Bike insurance. Breeze through the following list of features to ensure that you never have to worry about motorcycle insurance again:

  • speeddocNo paperwork and instant policy issuance
  • docRenew your policy instantly online without any inspection
  • rs3Two Wheeler Insurance starting at Rs.3/day*
  • writeGet quick and hassle-free settlement of your bike​ insurance claims

What does my policy cover?:

We’ve tried our best to offer you a two wheeler insurance policy with comprehensive coverage insuring not only your vehicle but even the owner and any third party involved in a liability concerning the vehicle. The policy covers damage or loss to the vehicle due to the following:

  • Accident
  • Lightening
  • Self-Ignition
  • Fire
  • Explosion
  • Theft
  • Terrorism
  • Inundation
  • Earthquake
  • Riot & Strikes and / or Malicious Acts
  • Flood
  • Cyclone
  • Transit by Rail, Road, Air & Elevator

What does it not cover?

We have tried to pack everything into your policy. However, there are still a few exclusions. Some of the exclusions are as follows:

  • Consequential loss – if the original damage causes subsequent damage / loss, only t​he original damage will be covered.
  • Damage to / by person driving without a valid driving license
  • Normal wear-and-tear of the vehicle
  • Compulsory deductibles – a fixed amount that gets deducted at the time of the claim
  • Vehicle being used other than in accordance with the limitations as to use. For example, if you use your two-wheeler for remuneration purposes.
  • Loss or damage caused while riding under the influence of alcohol or any other intoxicating substance
  • Loss or damage due to depreciation of the vehicle’s value
  • Mechanical and electrical breakdown


Reliance International Travel Insurance empowers you to travel with peace of mind and stay relaxed even when things get difficult. Stay ahead of unforeseen and unfortunate events by opting for travel insurance that too at negligible prices. Go through the following features to make the most of your vacation:

  • l1No paperwork ​and instant policy issuance
  • l2No medical check-up ​till​ the age of 80 years
  • l3Free International SIM card with every quote
  • l4Plans starting @ Rs. 306/-* only!​​
  • l5Cashless hospitalization anywhere in the world​​​​

What does my policy cover?

We’ve tried to provide you maximum coverage for a variety of situations while you’re travelling, alone or with your family. Take a look at the following:

  • Emergency medical expenses incurred by you or any of your family members whilst abroad, for any sudden illness, injury or death
  • Emergency expenses made for medical evacuation to India
  • Expenses incurred while transporting the insured’s mortal remains back home or towards burial abroad in case of an untimely demise
  • Acute anaesthetic treatment of teeth due to an injury
  • Accidental bodily injury during the trip
  • Compensation for death or permanent disability due to an accident, while riding as a passenger in a common carrier
  • Cost of obtaining a fresh or duplicate passport in case of a lost passport
  • Total loss of your checked-in baggage by a common carrier
  • Expenses incurred if a trip is delayed for more than 12 hours due to airline, medical, personal employment problems or natural disasters
  • Expenses incurred if a trip is cancelled or interrupted due to airline, medical, personal employment problems or natural disasters
  • Expenses incurred if you miss a connecting flight due to a delay of more than 3 hours
  • Reimbursement of return ticket fare for a family member visiting you, the insured, if you’re hospitalised for more than 7 days

What does it not cover?

​Just like it’s not possible to pack everything you want into a suitcase, it’s not possible to include coverage for all kinds of situations. Here’s a list of things your policy won’t cover!

  • Pre-existing medical conditions, unless it’s a life-threatening condition
  • Expenses incurred due to any of the following conditions:
    • Suicide
    • Self-inflicted injuries or illnesses
    • Mental disorder
    • Anxiety, stress or depression
    • Venereal diseases
    • Alcohol/drug abuse
    • HIV/AIDS
  • Expenses incurred if you’re. . .
    • Traveling against the advice of a physician.
    • Receiving or are on a waiting list for specified medical treatment.
    • Travelling to receive treatment abroad.
    • Have been given terminal prognosis for a medical condition.
    • Issues faced due to theft or loss of passport when left unattended, or unreported to local police authorities.
    • Loss of checked baggage – no partial loss or damage shall become payable
    • War or nuclear threat in the country where you’re travelling


Studying abroad offers exciting as well as nerve-wrecking avenues. It gives you the opportunity to explore new places but adds a little bit of nervousness as well. Reliance Student travel insurance provides you the required protection throughout your study-period, so you feel confident and secured.

Student travel insurance provides the following features:

  • l1No paperwork and an affordable premium enables stress free overseas education
  • l6Varied duration of student insurance mapping to the course duration (up to 2 years)
  • l7Unique travel insurance plan that offers coverage for only non-medical benefits
  • l2No requirement of medical test ​before issuing your student health policy
  • l8Quick and hassle-free settlement for your insurance claims

What does my policy cover?

​We’ve intend to provide you maximum coverage for a number of situations while you’re travelling, alone or with your family. Have a look!

  • Reimbursement of current (paid) semester fee, if your education is interrupted due to a medical condition.
  • Reimbursement of tuition fees, in case the sponsor paying your fee passes away due to an injury.
  • Emergency medical expenses incurred by you whilst abroad, for any sudden illness, injury or death
  • Emergency expenses made for medical evacuation to India
  • Expenses incurred while transporting the insured’s mortal remains back home or towards burial abroad in case of an untimely demise
  • Acute anesthetic treatment of teeth due to an injury
  • Accidental bodily injury during the trip
  • Compensation for death or permanent disability due to an accident, while riding as a passenger in a common carrier
  • Expenditure of obtaining a fresh or duplicate passport in case of a lost passport
  • Total loss of your checked-in baggage by a common carrier
  • Reimbursement of return ticket fare for a family member visiting you, the insured, if you’re hospitalised for more than 7 days
  • Payment of bail amount to the appropriate authority, if you’re arrested or detained by any judicial authorities for a bailable offence, while abroad.

What does it not cover?:

Like you have some questions that are out-of-syllabus, an insurance policy also has situations that are out-of-scope. Here’s a list of things your policy won’t cover!

  • Please note that only students pursuing academic courses abroad, with a minimum age of 16 years and a maximum age of 35 years will be issued a Student Travel Policy.
  • Pre-existing medical conditions, unless it’s a life-threatening condition
  • Expenses incurred due to any of the following conditions:
    • Suicide self-inflicted injuries or illnesses
    • Mental disorder
    • Anxiety, stress or depression
    • Venereal diseases
    • Alcohol/drug abuse
    • HIV/AIDS​
  • Issues faced due to theft or loss of passport when left unattended, or unreported to local police authorities.
  • Loss of checked baggage – no partial loss or damage shall become payable
  • War or nuclear threat in the country where you’re travelling


In the recent age of exorbitant healthcare, not having medical insurance can lead to a financial tragedy. Stay prepared with Reliance health insurance plan that offers a comprehensive coverage and cutting-edge services. Check out the following features of Reliance HealthGain policy to know more:

  • h1Claim and policy service guarantee in case of delay
  • h2Immediate and extended family members can be covered under an individual policy
  • h3Reliance Health Insurance ​offers a 5% discount for single women or girl child
  • h45% Premium discount ​for ​Private Car Package Policy customers​
  • h5Automated one-year extension of mediclaim policy in case of a ‘named critical illness’
  • h6Re-instatement of base sum insured, if you’ve exhausted the total sum insured on your health policy.

What does my policy cover?

This policy is a perfect foil for any unseen problems you might face during your treatment. Here’s a quick look at what your policy covers.

Hospitalisation expenses in case of the following:

  • In-patient treatment for covered illnesses /injuries, where the insured person is hospitalised for more than 24 consecutive hours.
  • Day-care treatment for surgeries /procedures, where the insured person requires less than 24 hours of hospitalisation due to advanced technology. For the list of Day care treatment
Pre-hospitalisation coverage for:

Medical expenses incurred before hospitalisation. Under the HealthGain policy, you will get coverage for 60 days.

Post-hospitalisation coverage for:

Medical expenses incurred after hospitalisation. Under the HealthGain policy, you will get coverage for 60 days.

Domestic Road Ambulance:

Expenses for domestic-road ambulance services to the nearest hospital(in case of life threatening emergencies). Under Plan A, your policy would pay up to Rs 1,500 and up to Rs 3,000 under Plan B.

Donor expenses:

These are expenses incurred by the organ donor. We will cover up to 50% of the base sum insured, subject to a maximum of Rs. 5 lakh/-

Domiciliary hospitalisation:

​Sometimes it is not possible to move the patient to a hospital because of their condition or lack of accommodation at the hospital. In such cases, the patient can be treated at home. This is called ‘domiciliary hospitalisation’.

What does it not cover?:

As much as we’d like for your policy to cover any and all types of situations, it isn’t possible. 
Here are some of the exclusions in the HealthGain Policy.

  • Claims for any medical expenses that occur within 30 days of the policy start day will not be covered, unless they occur due to an injury.
  • The following illnesses or surgeries will not be covered for the first two consecutive years from the policy start date:
    • Arthritis (non-infective)
    • Osteoarthritis and Osteoporosis
    • Gout
    • Rheumatism
    • All Vertebrae Disorders (including, but not limited to, Spondylitis, Spondylosis, Spondylolisthesis & Intervertebral Disc Prolapse)
    • Joint Replacement Surgery
    • Benign Ear, Nose and Throat (ENT) Disorders and Surgeries (including, but not limited to, Adenoidectomy, Mastoidectomy, Tonsillectomy and Tympanoplasty)
    • Nasal Septum Deviation, Sinusitis (and related disorders)
    • Benign Prostatic Hypertrophy
    • Cataract
    • Surgery of Genito-Urinary System (unless necessitated by malignancy)
    • Hernia, Hydrocele (all types)
    • Internal Tumours, Skin Tumours, Cysts, Nodules, Polyps, Breast lumps (each of any kind), unless malignant
    • Kidney Stone/ Ureteric Stone/ Lithotripsy / Gall Bladder Stone
  • Any conditions, ailments, injuries or related conditions, which you, the insured person, didn’t show any signs of, and /or which were diagnosed, and / or for which you received medical advice / treatment within 36 months, prior to the policy start date.
  • As per this policy a single room is defined as a room, where a single patient is accommodated and which has an attached toilet (lavatory and bath). The room may also provide provision for accommodating an attendant. Essentially, this type of room is the most basic and the most economical of all accommodations, available as a single room, in that hospital. Any room, beyond this description, is excluded from the health insurance policy coverage.
  • The following diseases or conditions are not covered in this plan, under permanent exclusions:
    • Intentional self-injury / injury under influence of alcohol, drugs / criminal acts
    • Outside India or Robotic or Stem Cells
    • War / nuclear / chemical / biological injuries
    • Diseases such as HIV / AIDS or STDs
    • Congenital diseases (diseases present from birth)
    • Maternity- or Fertility-related conditions
    • Cost of spectacles, contact lenses and hearing aids
    • Dental treatment or surgery
    • Treatment of mental illness
    • Cosmetic, aesthetic treatment
    • Non-allopathic, diagnostics , self-medication, unproven treatments


Home is where the heart is! What happens if something unfortunate happens to your most prized possession? Thankfully there is Reliance Home Insurance. Safeguard your home as well as the content inside against burglary, fire, or natural calamities and much more. Home insurance provides protection for the following:

  • i6Home and its contents like furniture, fixtures etc.
  • i3Covers not only your home but also protects your family against unforeseen accidents
  • i4Your electronic gadgets like mobile, TV, computer, etc
  • i5Additionally your mechanical and electrical appliances like washing machine
  • i6Protection against earthquake, burglary, fire or even terrorism related losses

Disclaimers:

Doha Bank, Ground Floor, Sakhar Bhavan, Nariman Point, Mumbai 400 021 is a corporate agent (Registration No: CA0228) of Reliance General Insurance Company Ltd (IRDAI Registration No.103). Customer participation in the policy is entirely voluntary.

The products, services and benefits referred to herein are subject to terms and conditions governing them as specified by Reliance General Insurance Company Ltd. from time to time. Doha Bank is acting merely as a corporate agent of Reliance General Insurance Company Ltd. Participation by Doha Bank’s is on a purely voluntary basis and there is no direct or indirect linkage between the provision of the banking services offered by Doha Bank to its customers and insurance company products/ services. Doha Bank shall not be liable or responsible for any loss resulting from insurance company’s products/ services. Doha Bank will not have any privity of contract at all with the Insured and all rights and obligations shall be between the Reliance General Insurance Company Limited and the Insured only.

Reliance General Insurance company Ltd is a part of Reliance Capital of the Reliance Anil Dhirubhai Ambani Group. Reliance General Insurance Company Ltd. Reliance Centre, 4th Floor, Off Western Express highway, Santacruz East, Mumbai – 400055 (Maharashtra). We request you to read the terms, conditions and disclaimers of such third party website before accessing services or products offered by such third party website. The use of any service, products or information hosted in the third party website is at your sole risk and discretion. For more details on the rider and the various terms and conditions, please refer to the rider brochure(s) available at www.reliancegeneral.co.in. For further details, call Toll free number – 1800 3009.

As Doha Bank is not in the business of insurance, there is no link either direct or indirect between the banking services offered by the bank to its customers and use of the insurance products. Doha Bank will not have any privity of contract at all with the Insured and all rights and obligations shall be between the Reliance General Insurance Company Limited and the Insured only.

For more details on risk factors, terms and conditions, the customers are advised to refer to detailed sales brochure of the insurance products before concluding sale.

Beware of spurious phone calls and fictitious/fraudulent offers. IRDAI clarifies to public that IRDAI or its officials do not involve in activities like sale of any kind of insurance or financial products nor invest premiums. IRDAI does not announce any bonus. Public receiving such phone calls are requested to lodge a police complaint along with details of phone call, number.

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