I bought our first reliance healthwise gold family floater policy for rs 3 lakhs , 4 years ago.
We have never made a claim.
Last year i was shocked to recieve a renewal notice from reliance whereby my premium was quadrupled ( yes a 400% increase) even though we had never made a claim)
As insurance portability had not come about then and i did not want to lose my no claim benefits, i had no option but to pay up.
Even after paying up, these rogues never sent the policy to me.
Repeated follow ups with higher ups and several months later my policy document finally reached me.
(I dread to think of my situation had i to follow up on a claim)
This year i decided to downgrade to a standard plan and up my insurance from 3 to 5 lakhs as i saw greater value with this combination.
I asked reliance for clarification that the existing illness exclusion would not apply to us when i changed from the gold to standard plan and was shocked to get their reply that this exclusion would indeed apply to us for the next 4 years even though i remained with the same insurer.
This goes against the norms of irda and i was planning to take it up with irda but to save my self the trouble , ported my policy to apollo munich instead using medimanage (highly efficient) as the agent. Got a very quick porting and a very transparent policy document from apollo munich within 2 weeks. Reliance health insurance only aim is to collect premiums, claims are very difficult and time consuming to process and customer service brazenly incompetent and callous.
Avoid this company like the plague.