Reliance Digital resQ Care Plan 2026: Payout Falls 80% to 5%

Reliance Digital sells an extended-warranty and maintenance product called the resQ Care Plan alongside almost every large appliance it stocks. It publishes the full terms on its own site. We read them on 26 October 2026, logged out, from India, and every figure below is transcribed from those documents.

The headline fact is a table resQ publishes itself: what a written-off appliance pays out falls every year of the plan, from 80% of the sum insured in year two to 20% in year six - and for appliances invoiced under Rs. 10,000, from 50% down to 5%.

If a repair would cost more than 75% of the sum insured - or of what is left of it after earlier claims - the terms call it Beyond Economic Repair, and you stop getting a repair and start getting a settlement. The settlement is "% value of Balance Sum Insured", and resQ publishes the percentages:

Three consecutive lines in the terms govern what a BER settlement looks like in practice, and they are worth reading together. The settlement "shall be made only in the form of Electronic Gift Voucher or Store Credit or any other mode as decided by resQ". The "un-repaired defective device shall become property of Reliance". And "upon settlement, the cover under resQ Care Plan ceases to exist and the plan will end".

So the end state of a claimed-out plan is: no appliance, no cover, and a credit note spendable at the store that sold you both. That is a legitimate way to run an extended warranty and it is stated plainly in the published terms - but it is not what most people picture when they buy "protection" at a till.

The exclusion list is long and specific, which is to resQ's credit - it is published rather than buried. These are the ones most likely to matter to a household buying cover on a fridge, a washer or a laptop.

The terms carry a separate section for out-of-warranty products, and the order of events in it is unusual enough to spell out.

Each plan year includes preventive maintenance. The terms state what that means per category: for a window or split air conditioner, "Jet Service - 1 Qty, Wet Service - 1 Qty" every year; for all other products, "1 Qty of PMS" a year. That is the entitlement in full.

For laptops the terms add free at-home service with pickup and drop for repairs claimable under the plan, and - on selected plans only - "Only 1 time Free of Cost change of Battery & Adapter, subject to conditions applied". For water purifiers, where consumables are covered at all, "consumables will be replaced only once a year during extended warranty period".

One: what is the sum insured on this plan, in rupees? Every percentage in the settlement table is a percentage of that number, and claims are capped at it or the invoice value, whichever is lower. Two: is this appliance in the over-Rs. 10,000 row or the under-Rs. 10,000 row? The two rows differ by a factor of four in every year of the contract.

Three: is the failure I am worried about a breakdown? Physical, accidental and liquid damage are excluded in terms, as are power-fluctuation failures, fire, cosmetic damage and all the listed plastic parts. Four: am I inside seven days? That is the entire cancellation window. Five: am I willing to be paid in store credit? A written-off claim ends with a voucher, not a transfer, and the appliance becomes Reliance's property.