*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply
Investing in health insurance is the only means to tackle unfortunate medical emergencies. In today’s world of stress and lifestyle disorders, health insurance policies need to offer more than what is conventionally stated.
Insurance policies need to go above and beyond to secure health in today’s age of rising medical costs and newly advanced treatment methods; expensive hospitalization results in draining of finances.
A plan such as Reliance Health Infinity Insurance provides added benefits and ensures that advanced treatment of the highest quality is affordable. This is a win-win for the insured.
Reliance Health Infinity Insurance is a policy under Reliance health insurance that provides more than a conventional health cover. It offers benefits with respect to time, payout, and location.
This means the insured will get a policy coverage for an additional period (more time), with an additional sum insured (more cover), and coverage outside India (more global). Therefore, Reliance Health Infinity Insurance is beneficial for the insured with respect to new-age global medicine.
Some of the features of this policy include:
Pro-insured Policy - Reliance Health Infinity Insurance provides additional coverage to the insured in terms of the supplementary sum insured, a greater policy period, and worldwide coverage.
However, no charges are levied on the insured for any of the additional services. Added benefits are provided at the original price. This is completely in line with policy being pro-insured.
Hospitalization-related Coverage – Comparing policies, Reliance Health Infinity Insurance offers the highest coverage devoted to hospitalization-related events. It covers 90 days of pre-hospitalization and 180 days of post-hospitalization expenses.
This can prove useful in surgery for critical illnesses such as cancer and heart disease, which require adequate pre-surgical preparation, as well as post-surgical recovery.
No Sub-limits – Sub-limits are limits placed on the health insurance payout for a specific medical procedure. For instance, a cap of around 1-2% is generally placed on ICU rent of the total sum insured. But if a higher-priced room is sought, the expenses would need to be paid by the patient.
However, this does not occur with Reliance Health Infinity Insurance. The absence of sub-limits leaves it to the choice of the insured regarding room rent or ambulance services.
Cancellation of the Policy – Withdrawal from or cancellation of an insurance policy is permitted within the free-look period. However, Reliance Health Infinity Insurance permits policy cancellation beyond this period – till 90 days from purchase. Upon comparing policies, this is three times the normal cancellation period.
In other words, if a customer wishes to withdraw from the policy within three months of purchase, it is completely permitted. Consequently, no loss is suffered in the premium paid (100% refund).
The policy comes with ample benefits that can be categorized as below:
Multiple SI Options: The sum insured of Reliance Health Infinity Insurance varies from Rs 3 lakh to Rs 1 crore. However, an additional 30% sum insured is offered with no added costs.
Sum insured |
||||||
Normal |
Rs 3 L |
Rs 5 L |
Rs 10 L |
Rs 15 L |
Rs 50 L |
Rs 1 crore |
Additional |
Rs 1 L |
Rs 2 L |
Rs 3 L |
Rs 5 L |
Rs 15 L |
Rs 30 L |
Therefore, the insured receives a total payout in the same policy period where a savings of 25% to 33% on premium is offered.
*All savings provided by the insurer are as per the IRDAI approval. Standard T&C apply.
AYUSH Benefit - If the insured is admitted to a hospital that offers treatment under AYUSH, the expenses are covered by this Reliance Health Insurance plan.
Additionally, the policy does not impose any sub-limits in terms of duration of treatment or medical expenses. However, the only condition to avail of this benefit is that the insured should be hospitalized.
Non-hospitalized insured availing AYUSH treatment from medical stores or chemists are not eligible for this benefit.
Transport Benefit – This applies to transport vehicles that are not ambulances. In the absence of ambulances, the insured would be required to take a cab to travel to the hospital. Such vehicles require pre-authorization from the concerned hospital to be eligible for the insured to claim benefit.
This benefit is extended to transportation charges up to Rs 500, in the event of an emergency and/or travelling from one health care institute to another.
Restore Benefit – In case the entire sum insured gets exhausted before the policy ends, it is reinstated or restored fully. However, this benefit is applicable only for expenses to be borne for future hospitalization and new medical issues.
This is not applicable for covering expenses over complications arising due to previous illnesses or a relapse of a previous ailment.
Additional Savings – In addition to the supplementary sum insured issued free of cost, Reliance Health Infinity Insurance offers various other savings on premiums as part of the policy –
Category |
Description |
Savings offered |
Renewing |
Renewal of premium after a medical check-up |
10% |
2/3 Year |
Offered for policy lasting 2 or 3 years |
10% |
Individual within family |
If multiple family members opt for individual policies |
10% |
Prime |
Insured is an employee of an insurance provider or a repeat customer |
10% (one-time) |
Online |
Online purchase of policy through the website or mobile app |
10% |
The most commonly offered savings on the premiums is 10%; however, a cap is placed at 30%.
*All savings provided by the insurer are as per the IRDAI approval. Standard T&C apply.
Tax Benefits – All investments in health insurance are subject to income tax deductions under Section 80(D) of the Income Tax Act, India (1961).
Reliance Health Infinity Insurance provides the option of covering the entire family. Therefore, the tax benefits depend on family demographics –
Family coverage |
Tax benefits |
Self (non-senior citizen) |
Rs 20,000 |
Family (self, spouse, and kids) |
Rs 20,000 |
Parents |
Rs 20,000 |
Parents (senior citizens) |
Rs 30,000 |
From the above, one can derive a maximum tax benefit of Rs 50,000 through the policy.
*Tax benefit is subject to changes as per the tax laws
More Options Benefits – These cover the benefits of “more time”, “more cover, and “more global”, characteristic of Reliance Health Infinity Insurance.
Accordingly, the benefits of one of the three can be derived completely free of cost. With additional premium payment, the other two benefits can also opt-in as part of the policy.
Inclusions of this policy are:
Daycare Treatment – This treatment includes medical procedures not requiring hospitalization for 24 hours. They can be performed in a clinic, daycare centre, or a hospital. For example, cataract surgery, dialysis, radiotherapy, chemotherapy, etc.
Daycare treatment is covered fully under Reliance Health Infinity Insurance, and no sub-limits are applied.
Inpatient Care – In case the insured requires hospitalization for more than 24 hours, the resultant medical expenses would be much greater than daycare treatment.
Inpatient care includes the following –
New Age Medicine – Development in technology results in advanced treatment methods. Comparing plans, the unique feature of Reliance Health Infinity Insurance is the coverage of expenses of new-age treatment methods (50% co-payment).
Special treatment financed by this policy includes –
Domiciliary Hospitalization – In case hospital beds are unavailable; the insured is required to be quarantined at home for treatment and recovery, and if such home treatment exceeds three consecutive days, the resultant medical expenses are financed by Reliance Health Infinity Insurance with no sub-limits.
Organ Donation – If the insured wishes to donate their organs, the medical expenses of the donor, as well as, harvesting the donated organ to be transplanted are covered by the policy.
Therefore, there are no obstacles regarding the financial coverage of the donors or medical procedures with respect to organ donation.
Emergency Ambulance – In case a medical emergency requires the insured to be taken to the nearest hospital, the ambulance costs will be covered by Reliance Health Infinity Insurance.
Additionally, if the insured is transferred from one medical facility to another, ambulance costs will be similarly covered.
The following claims are excluded under Reliance Health Infinity Insurance:
Sr. No. |
Non-medical reasons |
Sr. No. |
Medical reasons |
1. |
Illness or injury due to war or social unrest |
1. |
Overdose or consumption of alcohol or drugs; hormonal therapy |
2. |
Injury due to self-harm |
2. |
Sleep apnea |
3. |
Adventure sports, military operations |
3. |
Pregnancy, infertility, and HIV/AIDS |
4. |
Racing activities |
4. |
Dental treatment |
5. |
Injury due to breach of law |
5. |
Unrecognized medical practitioners |
Age limits for entry
Age |
Adult |
Children |
Minimum |
18 years |
91 days |
Maximum |
65 years |
25 years |
Depending on the insured, variants of Reliance Health Infinity Insurance are
The sum insured is not dependent on the age or income of the insured.
Waiting Period:
Waiting period |
Duration |
Applicable for |
Minimum |
30 days |
All claims, except accidents |
Specific |
24 months |
Specific diseases mentioned in the policy. Insured should be in 3rd year of policy without previous claims |
Pre-existing diseases |
36 months |
Declared pre-existing diseases for which claim has been approved |
.Plan Options:
Original policy period |
Extension |
1 year |
1 month |
2 years |
2 months |
More Time is not valid for the original policy period of 3 years.
An application is required from the medical practitioner that the treatment is urgent and cannot be postponed till India returns.
The claim procedure for Reliance Health Infinity Insurance can be initiated two ways – cashless and reimbursement.
When the treatment is taken form a network hospital, the insured can avail the services cashless claim. Here are the steps:
When the insured avails the treatment from a non-network hospital, he/she can register for reimbursement claim. Below are the steps:
Both cashless and reimbursement claims require certain documents to be submitted with the claim form:
A Reliance Health Infinity Insurance plan can be obtained online and offline. The online process can be handy with aggregator websites such as paisawiki.com, which involves three steps:
Documents required for purchasing the Reliance Health Infinity Insurance plan include -
Additional documentation required:
Reliance Health Infinity Insurance offers a lifelong renewal option. This is extremely convenient for the insured about assured medical coverage. To renew the policy: