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Health Infinity Health Insurance

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Health Infinity Health Insurance

Benefits

Reliance Health Infinity Insurance
​​​​​
​​More Cover
​Additional sum insured
​​​More Time
Additional policy time
More Global
​Emergency hospitalization abroad

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Your health insurance policy ​is the only way to tackle unexpected medical emergencies; but do you have enough and more in your health insurance cover to protect you and your loved ones. If no, your ho​spitalization costs can take a toll on your hard-earned savings. That’s when a health plan like Reliance Health Infinity Insurance​ comes to rescue - A policy that gives you more​ benefits and always more than what you expect from a health insurance policy.

Infinity reasons to choose Reliance Health Infinity-

  • 90 days pre & 180 days post hospitalisation - the highest in the health insurance category!
  • Day care treatment coverage
  • Up to 30% discount*
  • No sublimit on organ donor expenses
  • No sublimit on hospital room rent
  • No sublimit on road ambulance charges
  • 90 days free cancellation
  • Wide range of sum insured from Rs. 3 Lacs to Rs. 1 crore

Opt for More Benefits-

We got you covere​​​d with Reliance Health Infinity Policy - A policy that gives you More!

 

*Get one benefit at no extra cost and two others at additional premium.​​​


Take a look at the coverage that we offer-


Benefits Description
Inpatient Care Covers medical expenses like room rent, ICU charges, medical practitioners fee, nursing charges etc. incurred during hospitalization due to an illness or accident for period more than 24 hrs.
Covers hospitalization due to Mental illness, Parkinson’s and Alzheimer’s diseases in accordance with the mental healthcare act, 2017
Special Treatments Coverage of treatments which are usually not covered under regular health insurance plans such as: -
  • Robotic surgeries which are less invasive and results in quick recovery
  • Stem cell therapy and upcoming futuristic technology in medical science.
  • Correction of eye sight due to refractive error above dioptre 14.0
  • Administration of intra-articular or intra-lesional injections, monoclonal antibodies such as Rituximab/Infliximab/tratsuzumab (trade name Remicade, Rituxan, Herceptin), supplementary medications such as zolendronic acid
This comes as a co-payment of 50%
Day Care Procedures Medical expenses incurred for day care procedures taken at a hospital or day care centre​. There is no limit to the number of day care procedures covered. All day care treatments are covered.
Domiciliary HospitalisationCovers medical expenses for medical treatment at home for a period exceeding three (3) consecutive days which would otherwise have necessitated hospitalisation.
Organ DonorMedical expenses on harvesting the organ from donor during transplantation.
Ayush Benefit The medical expenses for in-patient treatment taken under Ayurveda, Unani, siddha and homeopathy.
Pre- HospitalisationCovers medical expenses incurred 90 days prior to the date of hospitalisation.
Post- HospitalisationCovers medical expenses incurred up to 180 days from the date of discharge.
Emergency AmbulanceActual expenses incurred for utilizing road ambulance service for transporting the insured to the nearest hospital with adequate emergency facilities in case of emergency or from one hospital to another if medically required.
Transportation Benefit Expenses incurred up to Rs.500 for utilizing a reregistered radio cab operator’s services for transporting the insured person to and/or from the hospital, provided that have approved a pre-authorization request.
Restore BenefitRe-instatement of 100% sum insured if exhausted during the policy year. Restore sum insured can be used for only future claims made by the insured person and not against any claim in respect of an illness (including its complications) for which a claim has been already paid.​​​​​​​​​


Take a look at the various plans that we have in store for you-​


​​​​Sum Insured​​Rs. 3 Lacs​​Rs. 5 Lacs​Rs. 10 LacsRs. ​15 LacsRs. ​50 Lacs​Rs. ​1 Crore

​ ​ ​ ​ ​ ​ ​Section 1: Ba​​sic Benefits​

​a) Inpatient Care​​ ​ ​ ​ ​ ​Covered, No Sub limits
​b) Special Treatments (in Rs.)
Co-payment of 50% of admissible Medical
Expenses for all Sum Insured options
​1 Lac​1 Lac​1 Lac​1.5 Lacs5 Lacs​10 Lacs​​
​c) Day Care Procedures​ ​ ​ ​ ​ ​Covered, No Sub limits
​d) Domiciliary Hospitalisation​ ​ ​ ​ ​ ​Covered, No Sub limits
​ e) Organ Donor​ ​ ​ ​ ​ ​Covered, No Sub limits
​f) Ayush Benefit​​ ​ ​ ​ ​ ​Covered, No Sub limits
​g) Pre-Hospitalisation Medical Expenses​ ​ ​ ​ ​ ​Covered, upto 90 days
​ h) Post-Hospitalisation Medical Expenses​ ​ ​ ​ ​ ​Covered, upto 180 days
​i) Emergency Ambulance​ ​ ​ ​ ​ ​Covered, No Sub limits
​j) Transportation Benefit​ ​ ​ ​ ​ ​Maximum upto Rs. 500
​k) Restore Benefit​ ​ ​ ​ ​ ​Equal to 100% of Sum Insured

​ ​ ​ ​ ​ ​ ​Section 2: More Options Benefits​

​a) MoreCover^ (in Rs.)​1 Lac2 Lacs​3 Lacs​5 Lacs​15 Lacs​30 Lacs​
​ b) MoreTime ^
​ ​ ​ ​ ​ ​Extended Policy Year of 13 months if Policy period is 1 year and Extended Policy
Year of 26 months if Policy Period is 2 years
​c) MoreGlobal ^​ ​ ​ ​ ​ ​Equal to 100% of Sum Insured, maximum upto Rs. 20,00,000

​ ​ ​ ​ ​ ​ ​Section 3: Voluntary Co-payment

​Voluntary Co-payment^​ ​ ​ ​ ​ ​10%, if ​opted
​​​

^ If opted and specified to be in force in the Schedule.​

 

Additional discounts for you!​​


Take a look at the discounts and offers we have in store for you-​

​​​​Benefits​​Discount applicable​*​
​Renewal Discount10% discount on renewal premium, subject to health check-up report submission​​
​2/3 Year Policy10% discount on premium for choosing a 2 or 3 year policy​
​Individual policies in a Family10% discount on premium if​ 2 or more​ members of one family opt for individua​l policies​
​Prime DiscountO​ne-t​ime discount of 10% on the premium is applicable if the insured person is a Reliance Group Employee or repeat customer​
​Buy Online Discount​10% discount on premium in case of buying or renewing the policy online from our website, our mobile app

*10% discount applicable on each component mentioned above with maximum ca​p up to 30% discount.​ ​Please refer policy wordings and prospectus for detail understanding.​


Eligibility Criteria for Health Infinity Insurance-

 

​​​​​Parameters​​​Eligibility
​Age​Child: 91 days to 25 years*
Adult: 18 years to 65 years*
​Family Composition for Floater policyMaximum 8 members- 2 Adults and up to 6 children​
Policy Period​1 year, 2 years & 3 Years​
Sum insured​​3 lacs, 5 lacs, 10 lacs, 15 lacs, 50 lacs, 1 Crore​

*Age based on completed years, No maximum cover ceasing age

 

​Poli​cy Cancellation​​-

 

​​​​Length of time Policy in force​​Refund of premium
​Up to 90 days100% refund​
​Above 90 days​Pro-rata​

​Waiting period for Health Infinity Insurance-


Waiting period- A waiting period of 30 days applicable to all claims unless insured suffers an accident.

A specific waiting period- A specific waiting period of 24 months is applicable on specific diseases as mentioned in policy as long as insured is in his/her third year of policy without break.

Pre-existing Diseases waiting period-​ Pre-existing Diseases shall not be covered until the completion of 36 months of continuous coverage have elapsed, since inception of the first Health Infinity Policy provided that the Pre-existing Disease is declared and/or accepted in the proposal.

What does the policy not cover?


All permanent exclusions shall apply individually for each Insured Person and claims shall be assessed accordingly.

We will not make any payment for any claim in respect of any Insured Person directly or indirectly for, caused by, arising from or in any way attributable to any of the following unless expressly stated to the contrary in this Policy:

  • ​​Investiga​tio​n & Evaluation
  • Rest Cure, rehabilitation and respite care
  • Obesity/Weight control
  • Change-of-Gender treatments
  • Cosmetic or Plastic surgery
  • Hazardous or Adventure sports
  • Breach of law
  • Excluded providers
  • Drugs or treatments
  • Wellness and Rejuvenation
  • Dietary Supplements & Substances
  • Refractive Error
  • Unproven Teatments
  • Birth control, Sterility and Infertility
​​
​​​
  • Maternity
  • Alternative Treatments
  • Circumcision
  • Convalescence or Rehabilitation
  • Dental Treatment
  • Drugs or treatments
  • Enteral feedings
  • External Congenital Anomaly
  • Hearing Aids
  • Hormonal therapies
  • Medically Necessary Teatment
  • Medical supplies
  • Non-medical expenses
  • Outpatient treatment (OPD)
  • Overseas treatment
​​​
  • Peritoneal dialysis
  • Prosthetic and other devices
  • Reasonable & Customary Charges
  • Self-inury or suicide
  • Sexually transmitted diseases
  • Sleep-apnoea
  • Spinal subluxation, manipulation and muscle stimulation
  • Treatment by a family member
  • Treatment outside discipline
  • Vaccination and immunisation
  • War or si​​milar situations
​ ​

C​​lick here to read the policy wordings to know more about the exclusions of Health Infinity Insurance.

 

T&C apply. Details mentioned above are for Reliance Health Infinity Insurance (UIN:RELHLIP20089V021920).​​​​​