Reliance General Insurance is a leading private sector general insurance company in India. With over two decades of experience, it has become a trusted name for individuals and businesses alike. It operates under Reliance Capital, which is part of the renowned Reliance Group—a household name in Indian industry.
The company has played a pivotal role in revolutionising the insurance sector in India. It has consistently delivered tech-enabled, customer-first insurance solutions that are both inclusive and accessible. It offers insurance products across various categories—health, motor, travel, commercial, engineering, liability, and more.
Reliance General Insurance is not just another insurer. It stands tall as a visionary brand that’s reshaping how Indians perceive and use insurance.
Company Background
Reliance General Insurance was incorporated in 2000. It is wholly owned by Reliance Capital, the financial services arm of the Reliance Group. At the time of its formation, India’s general insurance sector was opening up, and Reliance was one of the first private players to enter this space.
Its entry marked a significant change in how general insurance was sold and serviced in the country. The company introduced customer-friendly practices, simplified products, and tech-based innovations long before they became the norm.
Timeline of Growth and Evolution
- 2000: Incorporation of Reliance General Insurance.
- 2002-2006: Expansion into major Indian cities with regional offices.
- 2008: Introduced online policy issuance and mobile-enabled claim intimation.
- 2015: Introduced innovative retail products like Home Insurance and Cyber Risk Cover.
- 2018: Filed for IPO and showed consistent profits.
- 2020–Present: Focus on digital acceleration, ESG initiatives, and low-income segment penetration.
Key Milestones and Business Highlights
- Served over 25 million customers since inception.
- Owns a network of 8,000+ intermediaries and 130+ offices.
- Claims settlement ratio of over 98% in health and motor segments.
- Among the first Indian insurers to offer AI-driven claim support and chatbot assistance.
- Covers over 400 towns and cities, including Tier-2 and Tier-3 towns.
Mission:
“To be India’s most trusted general insurance provider by ensuring transparent, innovative, and people-centric risk solutions.”
Vision:
“To empower every Indian to live fearlessly with reliable and affordable insurance that adapts to life’s ever-changing needs.”
Why Choose Reliance General Insurance?
1. Backed by a Strong Financial Legacy
Reliance Group’s financial acumen, market credibility, and diversified presence offer immense stability. Customers feel confident knowing that their insurer has a reliable and established parent group.
2. Customisable Insurance Products
Most Reliance policies are modular. You can select add-ons or opt-outs based on personal or business requirements. This customisation ensures better value and tailored risk coverage.
3. Wide Product Spectrum
From a basic health insurance plan to a complex marine cargo policy, Reliance General offers a vast bouquet of over 50 insurance products. This eliminates the need to depend on multiple insurers for different needs.
4. Fast Claim Processing
Their digital claims process is well-known for its speed. Whether it’s cashless health treatment or motor insurance claim approval, the turnaround time is among the best in the industry.
5. Strong Customer Support
The company offers 24/7 multilingual customer care. It also provides assistance through a mobile app, WhatsApp, email, and branch walk-ins—ensuring help is always within reach.
6. Comprehensive Online Ecosystem
You can purchase, renew, manage, and claim your insurance completely online. Their app and website are feature-rich, offering a paperless, seamless user experience.
7. Focus on Rural and Emerging Markets
Reliance General has taken significant steps to include India’s underinsured rural population. Their affordable micro-insurance schemes cater to farmers, small business owners, and migrant workers.
8. Eco-Conscious and Socially Responsible
Through paperless policies, carbon-neutral operations, and community wellness drives, the company upholds its commitment to sustainability and social good.
Product Portfolio Overview
a) Health Insurance
Health insurance from Reliance is designed to cover medical costs arising due to illness, injury, or critical health conditions. These plans are built to safeguard individuals and families from financial strain during medical emergencies.
Plans
- Health Infinity – Comprehensive plan with global cover and unlimited reinstatement.
- Arogya Sanjeevani Policy – IRDAI-standard policy offering essential health benefits.
- HealthGain – Mid-tier product with optional maternity, AYUSH, and OPD benefits.
Coverage
- In-patient hospitalisation
- Pre- and post-hospitalisation (up to 60/90 days)
- Daycare procedures
- Critical illness treatment
- Ambulance charges
Exclusions
- Pre-existing diseases (within waiting period)
- Cosmetic treatments
- Self-harm injuries
- Unproven treatments
- Experimental therapy
b) Car Insurance
Reliance Car Insurance protects your vehicle against unforeseen damages from accidents, theft, and third-party liabilities. It is available in both comprehensive and standalone formats.
Plans
- Private Car Package – Offers protection against own damage, third-party, and personal accidents.
- Third-Party Only – Mandatory policy as per Indian Motor Vehicle laws.
- Standalone Own Damage – Separate own damage cover for those with third-party plans.
Coverage
- Vehicle damage
- Third-party liability
- Fire, theft, natural calamities
- Towing charges
- Legal expenses
Exclusions
- Driving under influence
- Unauthorised use
- War or nuclear activity
- Mechanical breakdown
- Depreciation
c) Two-Wheeler Insurance
Meant for bikes and scooters, Reliance Two-Wheeler Insurance helps cover against third-party risks and own damage.
Plans
- Comprehensive Policy – Includes personal accident cover and multiple add-ons.
- Third-Party Policy – Statutory liability protection.
- Long-Term Policy – Up to 5 years coverage with premium discounts.
Coverage
- Accident damage
- Theft or fire
- Natural disasters
- Third-party claims
- Personal accident
Exclusions
- Normal wear
- Illegal use
- No licence
- Electrical failures
- War-related risks
d) Personal Accident Insurance
This plan offers financial support in case of death or disability due to an accident. Available for individuals, groups, and employees.
Plans
- Individual PA Cover
- Group PA
- Workmen Compensation Insurance
- Directors & Officers (D&O) Insurance
Coverage
- Accidental death
- Permanent/partial disability
- Medical expenses
- Hospital cash benefit
- Repatriation
Exclusions
- Suicide or self-inflicted injuries
- Adventure sports injuries
- Drunken driving accidents
- War, terrorism
- Pre-existing disabilities
e) Travel Insurance
Protects travellers from risks like trip cancellations, medical emergencies abroad, and lost belongings.
Plans
- Student Travel Plan – For students studying overseas.
- Senior Citizen Travel Plan – Age-friendly travel protection.
- International Comprehensive – Ideal for business and leisure travellers.
Coverage
- Emergency medical care
- Trip cancellation
- Lost baggage
- Passport loss
- Accidental injury abroad
Exclusions
- Adventure sports
- Mental health-related claims
- Pre-existing diseases
- War zone travel
- Alcohol-related incidents
f) Corporate Fire Insurance
Covers damage to commercial premises, equipment, and stock due to fire, floods, and allied perils.
Plans
- Standard Fire Policy
- Property All Risk Policy
- Loss of Profit Fire Cover
Coverage
- Fire damage
- Explosion and implosion
- Riots and strikes
- Natural calamities
- Impact damages
Exclusions
- Arson or deliberate fires
- Electrical short-circuits
- Illegal storage
- War damage
- Pollution
g) Commercial Marine Insurance
Insures cargo transported via air, sea, or road, both internationally and domestically.
Plans
- Open Marine Policy
- Specific Voyage Cover
- Hull & Machinery Cover
Coverage
- Loss of cargo
- Sea storms and fires
- Container damage
- Theft during transit
- Collision losses
Exclusions
- Improper packing
- Delay costs
- Customs rejection
- Acts of war
- Natural deterioration
h) Engineering Insurance
Covers risks involved in construction, machinery operation, and installation projects.
Plans
- Contractors All Risk
- Erection All Risk
- Machinery Breakdown Cover
Coverage
- Structural damage
- Equipment failure
- Explosion/fire
- Project site theft
- Natural disasters
Exclusions
- Faulty design
- Poor workmanship
- Gradual wear
- War risks
- Unlicensed operation
i) Commercial General Liability Insurance
Overview
Protects businesses from lawsuits and third-party damages arising from operations or premises.
Plans
- Public Liability
- Product Liability
- Premises Risk Cover
Coverage
- Bodily injury
- Property damage
- Legal costs
- Medical expenses
- Advertising claims
Exclusions
- Criminal liability
- Intentional harm
- Employee injuries
- Professional errors
- Contractual disputes
j) Package Insurance
Bundled policies for SMEs, traders, and professionals to ensure cost-effective risk management.
Plans
- Shopkeeper’s Package
- Office Package
- Business Shield Plan
Coverage
- Property protection
- Theft and burglary
- Fire damage
- Employee injury
- Equipment breakdown
Exclusions
- Illegal acts
- War damages
- Unlicensed activity
- Intentional losses
- Cyber risks (unless added)
Claims Process
The claims process is digital-first, fast, and transparent, with a strong support system.
Steps:
- Notify claims via website, app, or toll-free number.
- Submit claim documents.
- Surveyor or verification visit.
- Approval and processing.
- Settlement credited to bank account.
Renewal Process
Policy renewal can be done online within minutes—even post-expiry in most cases.
Steps:
- Visit Reliance General website/app.
- Enter policy number.
- Review plan and premiums.
- Make payment online.
- Get instant renewed policy.
Distribution Network
Reliance General Insurance operates through:
- 130+ offices nationwide
- 8,000+ partners and brokers
- Online platforms and mobile apps
- Partnerships with banks, NBFCs, and e-commerce platforms
Financial Literacy Campaigns
Runs education programmes in semi-urban and rural areas to improve awareness.
ESG Strategy
Emphasises paperless policies, carbon savings, and sustainable insurance practices.
Health Campaigns
Conducts wellness drives, free check-ups, and preventive care promotions for policyholders.
Awards and Recognitions
- Best General Insurance Company – BFSI Awards
- Most Innovative Insurer – Insurance India Summit
- ISO 9001:2015 certified
- Award for Excellence in Customer Experience
- Recognition for ESG Commitment
Final Thoughts:
Reliance General Insurance offers much more than just policies. It provides peace of mind, digital convenience, and a support system you can trust. Its ability to blend technology with empathy sets it apart from others.
As India embraces financial security and digital inclusion, Reliance General Insurance stands firm as a pillar of protection—for families, businesses, and the future.
Whether you are protecting your home, car, health, travel, or business—choose Reliance. Choose confidence.
