Reliance Health Infinity Insurance

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      Reliance Health Infinity Insurance

      Reliance Health Infinity Insurance plan offers comprehensive health insurance coverage to the insured against expenses arising out of medical emergencies. This Reliance Health Insurance policy comes with multiple attractive benefits, including no sub-limits, COVID-19 vaccine discount, 90-days free cancellation and a wide range of sum insured options.

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      Reliance Health Infinity Insurance: Key Highlights

      Features Specifications
      Sum Insured Rs 3 lakh - Rs1 crore
      Policy Tenure 1, 2, 3 years
      Claim Settlement Ratio 98%
      Cashless Hospitalization Available at 7300+ network hospitals
      Initial Waiting Period 30 days
      Pre-existing Cover After 36 months
      Specific Illness Cover After 24 months
      Discount 5% COVID-19 vaccine discount
      10% each on online discount, long term policy discount, existing customer discount, renewal discount 

      Coverage Offered by Reliance Health Infinity Insurance

      The Reliance Health Infinity Insurance policy offers a variety of coverage options to the insured. A person can buy this Reliance Health Insurance plan on an individual or floater basis. The following coverage benefits can be availed under the Reliance Health Infinity plan:

      • In-patient Care- The plan covers all medical expenses incurred during hospitalization for more than 24 hours due to an accident or illness, including mental illnesses. The medical expenses include room rent, ICU costs, medicine costs, diagnostic test costs, etc.
      • Day Care Procedures- It provides coverage for day care procedures or medical procedures that do not require a 24-hour admission to the hospital.
      • Domiciliary Hospitalization- The plan covers medical expenses incurred during a home treatment on a doctor’s recommendation that exceeds three consecutive days.
      • Organ DonorExpenses - In case an organ transplant is required by the insured, all expenses incurred on the organ donor for harvesting the organ are covered.
      • AYUSH Benefit- Medical expenses incurred during an AYUSH treatment, such as Ayurveda, Homeopathy or Siddha, are covered by Reliance General Insurance Company.
      • Pre-hospitalization Medical Expenses- The plan covers medical expenses incurred up to 90 days before hospitalization.
      • Post-hospitalization Medical Expenses- The plan covers medical expenses incurred up to 180 days post-hospitalization.
      • Transportation Benefit- Expenses up to Rs 500 are covered for using a registered radio cab service for transfer to and from the hospital.
      • Restore Benefit- If the claims made within a policy year have exhausted the sum insured completely, then the restore benefit will restore it by 100%. The restored sum insured can be used to claim illnesses that haven't been claimed before.
      • Special Treatments- Special treatments like robotic surgeries, stem cell therapy, oral chemotherapy,eyesight corrections, etc. are covered with a co-payment of 50% of the incurred medical expenses.
      • Emergency Ambulance- When an emergency ambulance is usedto transport the insured from one hospital to another, the incurred expenses are covered by the insurance company without any sub-limits.

      Optional Cover:

      'More' Options Benefit- The Reliance Infinity Insurance plan comes with the unique ‘More Options’ benefit that can enhance the chosen sum insured & policy tenure and extend the coverage worldwide in the form of MoreCover, MoreTime, and MoreGlobal covers. For instance, Reliance Health Insurance will offer Rs 1,00,000 extra coverage on a Rs 3,00,000 policy tenure and an extra 1 month cover over the policy tenure of 1 year under the MoreCover and MoreTime benefit respectively.

      The policyholder can opt for one of these ‘More’ covers for free but the second and third ‘More’ cover can be availed by paying an extra premium amount. The MoreGlobal cover offers worldwide coverage for emergency hospitalization and day care procedures up to the specified limits.

      Exclusions of the Reliance Health Infinity Insurance Policy

      The following expenses are excluded from the Reliance Health Infinity Insurance plan:

      • Medical expenses during the waiting period
      • Medical expenses for rehabilitation care
      • Any obesity-related or sleep apnoea medical procedure
      • Gender change & cosmetic surgery
      • Medical expenses incurred due to injuries from any hazardous or adventure sports activity
      • Treatment expenses due to breach of law
      • Treatment for alcoholism and drug abuse
      • Wellness or rejuvenation-related expenses
      • Dietary supplements and supplements
      • Eyesight correction, dental treatments, & HRT
      • Treatmentsor medicines without medical prescriptions
      • Medical treatments for fertility, sterility, or birth control
      • Maternity expenses & alternative treatment expenses
      • Circumcision
      • Treatment expenses for STDs

      For a complete list of exclusions, please refer to the Reliance Health Infinity insurance policy document.

      Features and Benefits of the Reliance Health Infinity Policy

      The features and benefits of the Reliance Health Infinity policy are listed below:

      • Wide range of sum insured ranging from Rs 3 lakh to Rs 1 crore
      • Coverage for COVID-19 treatment expenses
      • No sub-limits on hospital room rent, road ambulance charges, organ donor expenses, AYUSH benefits, etc.
      • Coverage for robotic surgeries and other special treatments
      • Daycare treatment coverage is provided.
      • 100% restoration of the sum insured is available
      • 90 days pre-hospitalization and 180 days post-hospitalization expenses are covered
      • Mental illness coverage is also available
      • More Options benefit enhances the sum insured, coverage limit and policy tenure
      • 5% COVID-19 vaccine discount is available
      • 10% voluntary co-payment option is available
      • 90 days free cancellation period

      Eligibility Criteria of Reliance Health Infinity Policy

      The eligibility conditions to buy the Health Infinity policy by Reliance General Insurance Company are given in the table below:

      Coverage Type

      Individual or family floater

      Minimum Entry Age

      Adult – 18 years
      Child - 91 days

      Maximum Entry Age

      Adult - 65 years
      Child – 25 years

      Number of people covered

      Up to 8 family members - 2 adults and up to 6 children

      Residential Status

      Indian citizens and permanent residents

      Cancellation Terms of the Reliance Health Infinity Policy

      Refer to the following information to know about the refund policy of Reliance Health Infinity Insurance policy:

      • If the policy is cancelled within 90 days of purchase, a 100 % refund on the premium will be provided.
      • If it is cancelled after 90 days, the premium amount refunded will be on a pro-rata basis.

      The Reliance General Insurance Company can also cancel the contract if the policyholder indulges in fraud or misrepresentation, or concealment of essential medical information.

      FAQs

      Policybazaar exclusive benefits
      • 30 minutes claim support*(In 120+ cities)
      • Relationship manager For every customer
      • 24*7 claims assistance In 30 mins. guaranteed*
      • Instant policy issuance No medical tests*
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      Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.

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      *We will respond in the first instance within 30 minutes of the customers contacting us. 30-minute claim support service is for the purpose of giving reasonable assistance to the policyholder in pursuance of the claim. Settlement of claim (including cashless claim) is the responsibility of the insurer as per policy terms and conditions. The 30- minute claim support is subject to our operations not being impacted by a system failure or force majeure event or for reasons beyond our control. For further details, 24x7 Claims Support Helpline can be reached out at 1800-258-5881.

      *Product information is authentic and solely based on the information received from the Insurer. Policybazaar is acting only as a facilitator and claims settlement shall be at the sole discretion of the Insurer. Policybazaar does not provide any medical or surgical advice or diagnosis and is not responsible for your interactions / treatment by a medical practitioner/hospital. Please consult a registered medical practitioner for any medical or surgical advice. The Information that you obtain or receive from Policybazaar, and its employees, or otherwise on the Website is for informational purposes only. As per the Insurance guidelines, you are allowed to cancel the policy with-in 30 days from the date of Issuance of policy.This option is available incase of policies with a term of one year or more.

      *All the health insurance plans cover hospitalization expenses including COVID-19 treatment cover up to the specified limits. You can also buy specific COVID-19 health insurance policies such as Corona Kavach Policy and Corona Rakshak policy.

      **All savings and online discounts are provided by insurers as per IRDAI approved insurance plans. #Tax Benefits are subject to changes in tax laws. GST Exemptions depend on fulfilment of qualification criteria and submission of relevant documents.

      *₹1748/month is the starting price for a 1 crore health insurance for an 18-year-old male, with no pre-existing diseases. Discount on renewal premium is subject to the number of wellness points earned in the health insurance policy. For more details about the plans, please read the sale brochure carefully to get upto 100% discount on renewal premium.

      *₹400/month is the starting price for ₹ 5 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹541/month is the starting price for ₹ 10 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹762/month is the starting price for ₹ 1 Crore Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹243/month(₹ 8/day) is the starting price for a 5 lakh health insurance for a 20-year-old male, non-smoker, living in Bengaluru with no pre-existing diseases

      *₹2020/month is the starting price for ₹ 1 Cr Health insurance for a 50 year old male & 50 years old female, living in Bangalore with no pre-existing diseases rounded off to nearest 10.

      *₹390/month (₹13 per day) is starting price for 1 cr. Health insurance for 25 years old male, with pre-existing diseases, residing from tier 1 city rounded off to the nearest 10.

      *No medical tests are required unless requested by the insurer’s underwriter. In-case of pre-existing diseases relevant medical proof would be required as per the terms and condition of the policy opted.

      *The values taken for effective cost calculation are indicative values and may change as per the selected plan.

      *Coverage upto double the amount of Sum Insured is available on certain covers for a minimum plan of Rs. 5 Lakh on the first claim only to an individual of upto 45 years of age with no pre-existing diseases. The benefit is available with or without extra cost depending on the plan chosen.

      *Coverage of pre-existing diseases is provided by insurer as per their underwriting policy.

      *The scope of coverage may vary from plan to plan.

      ~Source: Google Review Rating available on:- http://bit.ly/3J20bXZ

      ##On ground claim assistance is available in 114 cities

      Tax Benefits are subject to changes in tax laws. GST Exemption depends on fulfilment of qualification criteria and submission of relevant documents as required by the insurers. For more details on risk factors, terms and conditions, please read the sales brochure and applicable rules and regulation carefully before concluding a sale.

      STANDARD TERMS AND CONDITIONS APPLY. For more details on risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale.

      Policybazaar is a registered Composite Broker |Registration No. 742, Valid till 09/06/2024, License category- Composite Broker| Visitors are hereby informed that their information submitted on the website may be shared with insurers.

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