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Reliance Health Infinity Health Insurance

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Reliance Health Insurance
Health Infinity
Cashless Approval TAT4 hour Cashless Claim Processing
Claim Settlement Ratio99.90%
Network Hospitals10,000+
Pre-existing Disease Waiting Period1 year
Special BenefitsMore Cover, More time, More Global
Starting Premium for Rs. 5 lakhs coverageRs. 243/month

About Reliance Health Infinity Health Insurance

Reliance Health Insurance with a claim settlement ratio of 100% is one of the most reliable names when it comes to buying health insurance plans. Reliance Health Infinity Health Insurance Plan offers great coverage and multiple benefits at affordable premiums. Read on to know all about the Reliance Health Infinity Health Insurance Plan.

The Reliance Health Infinity Health Insurance Plan is a popular health insurance plan that offers health insurance coverage of up to Rs. 5 crores. The plan offers coverage for pre and post hospitalisation, OPD cover, maternity cover, and many more. Moreover, Reliance Health Insurance also provides amazing discounts with the Reliance Health Infinity Health Insurance Plan such as policy tenure discounts, prime discounts, online discounts, and many more.

Reliance Health Infinity Insurance Plan At A Glance

Check the features of Reliance Infinity Health Insurance Plan in the table below:

Features

Specifications

Reliance Health Insurance Claim Settlement Ratio

100%

Number of Cashless Hospitals

8000+

Sum Insured

Rs. 5 lakhs - Rs 5 crores

Emergency Ambulance

Within SI

Inpatient Care

No limits

Policy Period

1, 2, or 3 years

Pre-existing Waiting Period

36 months

AYUSH Benefit

Up to SI

Riders Available With Reliance Health Infinity Insurance Plan

The following riders are available with this health insurance plan:

  • Limitless Covers: Covers endless expenses like syringes and gloves, up to your chosen Sum Insured, which are usually not covered.
  • Unlimited Restore Benefit: Refresh your base Sum Insured as many times as needed in a year. Use it for subsequent claims related or unrelated to illness or injury.
  • Smart Protector Super Charger: Boost your policy by adding 20% or 33.33% of your chosen Sum Insured each policy year, up to a maximum of 100% of the Sum Insured.
  • Air Ambulance: This rider allows you to get airlifted to the nearest hospital in case of a life-threatening medical condition.
  • Maternity Cover: Covers maternity expenses (Normal & C-section) for Rs. 1 lakh or Rs. 2 lakhs, depending on the chosen coverage.
  • Newborn Baby & Vaccination Cover: Covers your newborn and their vaccination expenses up to Rs. 1 Lakh.
  • OPD Cover: Cover consultations with medical practitioners, diagnostic tests, dental treatment, and surgical treatments.
  • Medical Equipment Cover: Covers expenses for Durable Medical Equipment up to 5% of the Sum Insured (max Rs. 2.5 lakhs) and Small Medical Equipment up to 1% of the Sum Insured (max Rs. 20,000).
  • Double Cover: Receive an additional 100% of the Sum Insured for the same claim.
  • Home Care Treatment: Cover medical expenses for specified home treatments within the limits of your Sum Insured.
  • Change in Pre-Existing Waiting Period: Adjust the waiting period for pre-existing conditions to 48 months, 24 months, or 12 months.
  • Reduction In Specific Illness Waiting Period: Reduce the waiting period for specific illnesses to 12 months.
  • Reduction in Room Rent: Modify your hospital room category according to your needs.
  • Voluntary Aggregate Deductible: Lower your premium by choosing a Voluntary Aggregate Deductible.

Variants of Reliance Health Infinity Plan

The variants of the Reliance Heath Infinity Insurance plan are as follows:

  • More Cover: By opting for this supplementary coverage, you have the opportunity to boost the total amount of insurance you selected. For instance, if you initially chose insurance amounts of Rs. 3 Lakhs, Rs. 5 Lakhs, Rs. 10 Lakhs, Rs. 15 Lakhs, Rs. 50 Lakhs, and Rs. 1 Crore, you can elevate them by Rs. 1 Lakhs, Rs. 2 Lakhs, Rs. 3 Lakhs, Rs. 5 Lakhs, Rs. 15 Lakhs, and Rs. 30 Lakhs, respectively. This additional coverage provides added financial security tailored to your evolving needs.
  • More Time: This add-on feature enables you to prolong the duration of your insurance policy, offering flexibility to match your changing circumstances. If your policy initially covers a period of 1 year, you can extend the coverage to 13 months. Similarly, if the policy term is 2 years, you have the option to extend it to 26 months. This extended time frame ensures continuous protection for an extended period, giving you peace of mind.
  • More Global: With this supplementary coverage, you gain global protection, extending beyond the borders of India. The coverage abroad is equivalent to 100% of the sum insured, with a maximum limit of Rs. 20 Lakhs. Whether for travel, business, or personal reasons, this global coverage ensures you remain financially secure even when outside the country.

Key Features of Reliance Health Infinity Health Insurance Plan

Following are the key features of this health insurance plan by Reliance General Insurance:

  • Sum Insured Options: Choose from a range of coverage options, including 5 Lakhs, 10 Lakhs, 15 Lakhs, 25 Lakhs, 50 Lakhs, 1 Crore, 2 Crores, 3 Crores, 4 Crores, and 5 Crores to suit your health insurance needs.
  • Inpatient Care without Limits: Enjoy inpatient care without sub-limits, ensuring comprehensive coverage for your hospitalisation expenses.
  • Special Treatments Coverage: For treatments costing less than Rs. 10 lakhs, receive coverage up to 50% of the Sum Insured, and for treatments exceeding Rs. 10 lakhs, enjoy 100% coverage of the Sum Insured.
  • Day Care Procedures and Domiciliary Hospitalisation: Avail of coverage for day care procedures and domiciliary hospitalisation within the chosen Sum Insured.
  • Organ Donor and AYUSH Benefit: Coverage for organ donor expenses and AYUSH treatments is included within the chosen Sum Insured.
  • Pre-Hospitalisation and Post-Hospitalisation Coverage: Receive coverage for pre-hospitalisation medical expenses for up to 90 days and post-hospitalisation expenses for up to 180 days, all within the Sum Insured.
  • Emergency Ambulance Services: Get coverage for emergency ambulance services, ensuring prompt and secure transportation during medical emergencies within the Sum Insured.
  • Restore Benefit for Subsequent Claims: On subsequent claims, get the restore benefit advantage, allowing coverage up to 100% of the Sum Insured for unrelated illnesses or injuries.

Eligibility Criteria of Reliance Infinity Health Insurance Plan

Listed below are the eligibility criteria for buying the Reliance Infinity Health Insurance Plan:

Parameters

Eligibility Criteria

Minimum Entry Age for Child

91 days

Maximum Entry Age for Child

25 years

Minimum Entry Age for Adult

18 years

Maximum Entry Age for Adult

65 years

Maximum Number of Members in Family Plans

8

Benefits of Reliance Health Infinity Health Insurance Plan

Some of the benefits of buying the Reliance Health Infinity Health Insurance Plan are as follows:

  • Wide Range of Sum Insured: The Health Infinity Reliance Health Insurance Plan offers a wide range of sum insured. With the Reliance Health Infinity Health Insurance Plan, you can choose a sum insured varying from Rs. 3 lakhs to Rs. 1 crore.
  • Restoration Benefits: The Reliance Health Infinity Health Insurance Plan also offers a 100% restoration benefit. This means that the sum insured will be 100% restored.
  • High Claim Settlement Ratio: Reliance Health Insurance Infinity Plan has a high claim settlement ratio. With a claim settlement ratio of 100%, the company is a reliable name when it comes to getting health insurance claims settled. Moreover, the process of claim settlement is also very quick and hassle-free.
  • Pre and Post-Hospitalisation Expenses: The Reliance Health Infinity Health Insurance Plan provides coverage for both pre and post-hospitalisation expenses. For pre-hospitalisation, coverage is offered for 90 days before hospitalisation, and in the case of post-hospitalisation, there is coverage of 180 days.
  • Special Treatment Coverage: The Reliance Health Infinity Health Insurance Plan also provides coverage for special treatment such as robotic surgeries, stem cell therapy, critical illness, and others.
  • Transportation Benefits: The Reliance Health Infinity Health Insurance Plan also provides coverage for transporting the insured to the hospital. However, there is a specific amount that is covered under this, which you must check while buying the health insurance plan.

Inclusions and Exclusions Under Reliance Infinity Health Insurance Plan

There are certain inclusions and exclusions when you buy the Reliance Health Insurance Plan such as those listed below:

Inclusions:

  • Daycare procedures
  • Organ donor expenses
  • AYUSH treatment
  • Domicilary hospitalisation
  • Pre and post-hospitalisation
  • Emergency ambulance cover
  • Restoration benefit
  • Impatient care cover

Exclusions:

  • Any illness due to involvement in hazardous activities
  • Any illness due to consumption of alcohol or drugs
  • If there is treatment at any unregistered hospital
  • Any unproven or experimental treatments
  • Fertility related treatment related
  • Rehabilitation treatment
  • Dental treatment
  • Wellness and rejuvenation expenses

Documents Needed for Reliance Health Infinity Policy

In order to acquire the Reliance Health Infinity Insurance plan, you must provide the following documents:

  • A properly filled-out Application Form.
  • Proof of Identity (such as Aadhar card, Passport, Voter ID, or Driver's license).
  • Proof of Age (Birth Certificate, School Leaving Certificate, or Passport).
  • Address proof (Utility Bills, Rental Agreement, or Aadhar Card).
  • Passport-sized photographs.
  • Pre-policy health check-up reports may be necessary in certain cases.
  • Any additional documents requested by the insurance company.

How to Buy Reliance Health Infinity Health Insurance Plan?

Buying the Reliance Health Infinity Health Insurance Plan via InsuranceDekho is a straightforward process. Simply follow the steps mentioned below:

Step 1: Visit the InsuranceDekho website and select "Health Insurance" in the Insurance section.

Step 2: Choose "Reliance Health Insurance" from the list of Health Insurance Companies.

Step 3: Opt for the "Health Infinity" plan from the given choices.

Step 4: Examine the terms and conditions outlined in the Reliance Health Infinity policy document.

Step 5: Complete the KYC process by uploading all the necessary documents.

Step 6: Subsequent to the KYC verification, make the premium payment online.

Step 7: Finally, Receive the policy document in your email.

Claim Process of Reliance Health Infinity Insurance Plan

There are two types of claims that you can raise along with Reliance Health Infinity Policy: reimbursement claims and cashless claims. The claim process varies for both, listed below are the steps for both:

Cashless Claims

  • Inform the claims team about raising health insurance claims. You can do so by calling or sending an email
  • You also need to submit documents like Aadhaar card, Health Infinity plan copy, PAN card, and more
  • Once all the documents have been approved, the insurer will get the cashless treatment started at the network hospital
  • Then, when all the treatment is done, the network hospital will send all the bills to the insurer who will directly settle all the bills

Reimbursement Claims

  • In case of planned hospitalisation, inform the insurance company before 48 hours of hospitalisation, and for unplanned hospitalisation, you need to inform the company within 24 hours of hospitalisation
  • Next, along with the claim form, submit all the relevant documents
  • For reimbursement claim, you will first have to pay for the hospitals
  • Later, submit the hospital bills to the insurer. The insurer will verify all the bills and then reimburse the total amount

Health Insurance Calculator

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  • You

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Choose required Coverage for yourself?

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Key Inclusions and Exclusions of the Plan

What's Included

  • Pre-hospitalisation and post-hospitalisation expenses up to 90 and 180 days respectively
  • Daycare procedures
  • Domiciliary hospitalisation expenses
  • Emergency ambulance expenses incurred due to transportation of the patient to the nearest hospital
  • Treatments taken under AYUSH systems of medicines

What's Not Included

  • Hospitalisation for the purpose of investigation and evaluation
  • Unproven treatments
  • Sexually Transmitted Diseases are not covered
  • Treatments taken outside the geographical boundaries of India
  • Expenses arising due to dental treatment

9120 Reliance Cashless Network Hospitals in India

Health Infinity User Reviews

Write your review
What users are saying
  • All
  • Peace of Mind

    Owning the Reliance- Health Infinity from InsuranceDekho gives me an incredible sense of peace, knowing that I am protected in the event of unforeseen health crises.

    P
    By Prashant Rocky
    On: Sep 05, 2023
  • One-of-a-kind experience

    Dealing with InsuranceDekho has always been a one-of-a-kind experience for me. The website is so easy to use, the team is all time accessible, could not ask for a better service. I am a policyholder of Reliance General’s Health Infinity plan.   

    T
    By Taniya Chakrabarty
    On: Mar 05, 2021
  • Wide sum insured range

    I was happy to have found a health insurance policy that provides me coverage benefits for a wide sum insured range. I bought Reliance General Health Infinity plan from InsuranceDekho for my family for a sum insured of Rs. 10 Lakh.   

    A
    By Anjali Bisht
    On: Jun 02, 2020
  • Many benefits under this polic...

    Health infinity plan by Reliance General provides me many benefits like cover for in-patient hospitalisation treatment, daycare procedures, domiciliary hospitalisation, AYUSH benefit, pre and post hospitalisation expenses etc.   

    R
    By Roohi Arora
    On: Jun 02, 2020
  • Beneficial policy...

    Reliance General Health Infinity Plan is a useful policy that covers me and family against unforeseen circumstances. InsuranceDekho helped me buy this policy online in a few easy steps. I thank the team.   

    N
    By Nitin Kainth
    On: Jun 01, 2020

Add-ons to Enhance Benefits

  • More Cover

    With this add-on cover, you can enhance your sum insured amount. If you had chosen a sum insured of Rs. 3 Lakh, Rs. 5 Lakh, Rs. 10 Lakh, Rs. 15 Lakh, Rs. 50 Lakh, and Rs. 1 Crore, then you can enhance it by Rs. 1 Lakh; Rs. 2 Lakh, Rs. 3 Lakh, Rs. 5 Lakh, Rs. 15 Lakh, and Rs. 30 Lakh respectively.

  • More Time

    This add-on allows you to extend your policy term. If your policy period is 1 year, then you can avail coverage for 13 months. Whereas if it is 2 years, then you can extend it for 26 months.

  • More Global

    This add-on cover offers you global coverage, i.e. coverage outside the geographical boundaries of India equal to 100% of the sum insured, for a maximum of Rs. 20 Lakh. 

Reliance Health Infinity Expert Review

  • Expert Review

    Reliance General Insurance’s Health Infinity Plan is an indemnity-based health insurance policy that truly gives you more than just health cover. As the name suggests, it protects you and your family against healthcare expenses by offering you infinite benefits so that your hospitalisation expenses do not take a toll on your hard-earned savings. Talking of the coverage features, the policy has a lot to offer apart from basic coverage. You can buy this plan online from InsuranceDekho in a few steps. 

    Some notable features of the plan include-wide sum insured range of up to Rs. 1 crore, 65 years as the maximum age to be the Proposer of the plan, cover for up to 8 family members, and policy term of 1, 2, and 3 years. Health Infinity Plan is one of the most popular health insurance policies offered by Reliance General that offers unique benefits of more cover, more global, and more time. 

  • Major Attractions

    Health Infinity Policy offered by Reliance General Insurance provides a vast array of benefits to the policyholders at an affordable premium. Listed below are a few to mention: 

    • Cover for all daycare treatments
    • 90 days free cancellation policy 
    • Cover for special treatments 
    • Cover for 90 days pre-hospitalisation expenses 
    • Cover for 180 days post-hospitalisation expenses
    • Transportation benefit covered up to a specific limit
    • Cover for room rent without any sub-limit
    • Cover for road ambulance without any sub-limit
    • Cover for organ donor expenses without any sub-limit
    • Cover for in-patient treatment taken under AYUSH systems of medicines
  • What’s More?

    Apart from wide coverage, Health Infinity Plan by Reliance General offers the policyholders a lot of other benefits as well. Some of them that make Health Infinity Plan a good choice for people are given below: 

        • Lifetime renewability benefit 
        • Discounts and offers like-renewal discount, discount on purchasing 2/3 year policy, individual policies in policy, and prime discount   
        • Restore benefit of 100% sum insured in case the sum insured gets exhausted
        • Tax benefits under Section 80D of the Income Tax Act, 1961 

  • Conclusion

    Considering all the benefits listed above, the Health Infinity Plan by Reliance General Insurance is a great plan to buy that covers most of your healthcare expenses. You can use the premium calculator online and get an estimate of the premium you will be required to pay for this policy. The premium will differ on various factors such as age, add-on benefits, policy term, health history, current health, etc. 

    You can choose to buy this policy from InsuranceDekho to get even more benefits such as great after-sales services, easy portability, quick issuance of the policy, support from knowledgeable customer care executives, assistance at the time of claim settlement, no paperwork, and so on. 

Reliance Health Infinity Brochure

  • 475.48 KB
  • PDF Document
  • Jun 02, 2020

Claim Process at Reliance Health Insurance

  • Network Hospital
  • Non-Network Hospital
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation as soon as it occurs and for planned hospitalisation intimate as soon as it occurs prior to admission.
  • 3

    Claim Processing

    Fill in the pre-authorisation form and hand it over to hospital's insurance/TPA desk to initiate claim request.
  • 4

    Claim Settlement

    Once your request is approved, claim is settled. If not approved, claim for reimbursement after discharge.
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation as soon as it occurs and for planned hospitalisation intimate as soon as it occurs prior to admission.
  • 3

    Claim Processing

    Submit claim form with original documents such as doctor’s reports, hospital bills, diagnostic tests, etc.
  • 4

    Claim Settlement

    Once your request for reimbursement of expenses is approved, the claim will be settled.

FAQs on Health Infinity Health Insurance Plan

  • People of what all age groups are covered under Reliance General Health Infinity Plan?

    Reliance General Health Infinity plan covers children aged between 91 days to 25 years and adults aged between 18 years to 65 years. Note that the age is based on the number of years completed until last birthday. 

  • What are the sum insured options under the Reliance General Health Infinity Plan?

    The sum insured options under Reliance General Health Infinity include Rs. 3 lakh, Rs. 5 lakh, Rs. 15 lakh, and Rs. 50 lakh, and Rs. 1 crore. 

  • What are the policy period options available under Reliance General Health Infinity Plan?

    The policy period options available under Reliance General Health Infinity Plan are 1, 2, and 3 years.

  • How many members can I include under my Reliance General Health Infinity Plan?

    You can include up to 8 members under Reliance General Health Infinity Plan. These may include 2 adults and up to 6 children.

  • Why should I buy Reliance General Health Infinity Plan?

    Reliance General Health Infinity Plan is an ideal plan as it offers the policyholders the following benefits: 

        • Cover for in-patient care expenses without any sub-limit
        • Daycare procedures covered without any sub-limit
        • Organ donor expenses covered without any sub-limit
        • AYUSH systems of medicines covered without any sub-limits
        • Cover for pre-hospitalisation expenses for up to 90 days
        • Cover for post-hospitalisation expenses for up to 180 days
        • Emergency ambulance expenses covered without any sub-limits
        • Transportation benefit up to Rs. 500
        • Restore benefit of 100% of sum insured.

  • Is there any waiting period under Reliance General Health Infinity Plan?

    Yes. The policyholders need to complete an initial waiting period of 30 days from the date of inception of the policy in order to make any claim, except in the case of an accident. However, for specific diseases and pre-existing diseases, the waiting period is 24 months and 36 months respectively.

  • Will I get a refund of the premium on policy cancellation?

    Yes. If your Reliance General Health Infinity Plan has been in force for up to 90 days, then you will get a 100% refund for the premium paid. However, if the policy has been in force for more than 90 days, then you will get the premium refund on a pro-rata basis. 

  • Does the policy offer any discount to the policyholders?

    Yes. The policyholders can enjoy the following additional discounts on purchasing Reliance General health Infinity Plan:

        • Renewal discount: 10% discount on renewal premium, on the basis of health check-up report
        • Policy term of 1/2 years: 10% discount on the premium on purchasing the policy for a term of 2 or 3 years
        • Individual policies in a family: 10% discount on premium if two or more family members opt for individual policies
        • Prime discount: One time discount of 10% on premium for those who are Reliance Group employees or repeated customers.

  • Does the policy offer restore benefit to the policyholders?

    Yes. The policy offers reinstatement of 100% of sum insured in case it is exhausted within the policy year. 

    Note that the restore sum insured can only be used for claims made in the future, if any. It cannot be used against any claim for any illness or its complications for which the claim has already been paid. 

  • What are the special treatments covered under this policy?

    Reliance General Health Infinity Plan covers the special treatments that basic health insurance plans do not cover. A co-payment of 50% is applied on this cover:

        • Less invasive robotic surgeries and those ensuring quick recoveries
        • Stem cell therapy and technologies which are about to happen in medical science
        • Correction of eyesight due to a refractive error of more than 14.0 dioptre
        • Administration of intra-lesional or intra-articular injections, monoclonal antibodies

  • Is there any co-payment clause under this policy?

    Health Infinity Policy comes with an optional feature of co-payment of 10%. It is not mandatory to buy, but you can buy it at the time of policy purchase, in order to reduce your premium amount. 

  • Is pre-policy medical check-up required for this policy?

    If you are aged above 45 years, then you will be required to undergo a pre-policy medical check-up, irrespective of the sum insured chosen. However, if you have chosen a sum insured option of Rs. 50 Lakh or Rs. 1 Crore, then you will be required to undergo a pre-policy health check-up irrespective of age. 

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