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Health Infinity Insurance Policy Online

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Health Infinity Insurance
Health Infinity Insurance
Health Infinity Insurance

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Reliance Health Infinity Insurance Policy

How does it sound to have a health insurance plan that’s not stingy with its benefits and that does not burn a hole through your pocket?

That’s what Reliance Health Infinity is.

What makes Reliance Health Infinity amazing? You get coverage up to Rs.5 Crores, extended pre and post hospitalisation coverage, and many add-on benefits like unlimited restore benefit, OPD cover, maternity cover, etc. And all this is available at attractive discounts.

This is a health insurance plan that gives you more cover, more time, and is more global.

Health Inifnity Image1

Take a detailed look at the key features

Key Features Basic Benefits
Sum Insured (in ₹) 5 Lakhs, 10 Lakhs, 15 Lakhs, 25 Lakhs, 50 Lakhs, 1 Crore, 2 Crores, 3 Crores, 4 Crores, 5 Crores
Inpatient Care No sub limits
Special Treatments (in ₹) <10 lakhs covers up to 50% of SI &
>= 10 lakhs covers 100% SI
Day Care Procedures Within Sum Insured
Domiciliary Hospitalisation Within Sum Insured
Organ Donor Within Sum Insured
AYUSH Benefit Within Sum Insured
Pre-Hospitalisation Medical Expenses Covered Up to 90 days (Within Sum Insured)
Post-Hospitalisation Medical Expenses Covered Up to 180 days (Within Sum Insured)
Emergency Ambulance Within Sum Insured
Transportation Benefit Maximum up to ₹500 per hospitalisation within Sum Insured
Restore Benefit On subsequent claim, one restore up to 100% SI for unrelated*** illness/injury
Tax Benefits++ Up to ₹1 Lakh under Section 80D
More^ Benefit Options
MoreCover (in ₹) 2 Lakhs to 1.5 Crores
MoreTime Extend your policy to 13 months if policy period is 1 year or
Extend your policy to 26 months if policy period is 2 years
MoreGlobal Covers emergency hospitalization and day care treatment up to 100% of SI, (Within Sum Insured Sub-limit of ₹50 lakhs or SI whichever is lower for Planned In-Patient Treatment).

Benefits & Add-ons
of Reliance Health Infinity Insurance

Buy Online Discount

10% Discount

Get a 10% discount for buying this policy online.

Policy Tenure Discount

10% Discount

Choose a long-term policy and get an additional discount of 10%.

Zone Wise Discount

20% Discount

Enjoy a 20% discount if you reside in Zone B.

Prime Discount

10% Discount

Get a 10% discount if you’re an existing customer, Reliance Group employee or a shareholder.

Voluntary Co-payment Discount###

10% Discount

Opt for a 10% voluntary co-payment to get a 10% discount on your premium

Early Bird Discount

5% Discount

Get a 5% discount if you are porting the policy within 3 years and 3 months from time of first policy purchase, with age less than 50 years and no PED.

Credit Score Discount

7.5% Discount

Get up to 7.5% discount if you have a healthy credit score. Know more about Credit Score

Girl Child Discount

5% Discount

Get an exclusive 5% discount on your floater policy if you insure a girl child.

Female Proposer Discount

5% Discount

Get a 5% discount if the proposer is a female.

Family Discount

10% Discount

Get a special discount of 10% when you insure more than one family member in the same policy rather than a family floater plan.

Vaccination Discount

2.5% Discount

Get a 2.5% if you have taken the Covid-19 vaccine and /or booster, Human Papilloma virus vaccine, and / or the Pneumococcal vaccine.

BMI Discount

5% Discount

Get up to 5% discount if you have an optimal BMI.

Stay Healthy Discount

10% Discount

Sharing your annual health check-up results with us will get you a 10% discount on your renewal premium.

Renewal Discount

2.5% Discount

Enjoy a 2.5% discount on your premium for renewing an existing policy with us.

Concurrent Disclosure Discount

2.5% Discount

Declare your existing health policies to get a 2.5% discount.

MoreTime

For cover that stays longer

Get coverage for 13 months and 26 months for a 12 month plan and 24 month plan respectively.

MoreCover

For enhance sum insured

Gives you an enhanced cover on your sum insured. Meaning you get ₹1.5 Crores of extra cover when you opt for a SI of ₹ 5 Crores.

MoreGlobal

For worldwide hospitalisation and daycare

Gives coverage for emergency treatments abroad and any planned international treatments up to a defined limit.

Limitless Covers

  • Consumables Cover: Pays for miscellaneous expenses like syringe, gloves etc. up to Sum Insured opted, which are usually non-payable.

  • Unlimited Restore Benefit^^: Restore your base Sum Insured unlimited times in a year. You can use it for subsequent claim of related* or unrelated illness/injury

Smart Protector

  • Super Charger: Charge up your policy with an additional SI of either 20% or 33.33% of SI (as opted) at the end of each policy year. (max up to 100% of SI)

  • Air Ambulance: Get airlifted to the nearest hospital in case you face a life-threatening medical condition.

Mother & Child Care Cover

  • Maternity Cover^^: Covers maternity expenses (Normal & C-section) for ₹1 Lakh or ₹2 Lakhs depending on the coverage opted.

  • Newborn Baby & Vaccination Cover: Cover your newborn and their vaccination expenses up to ₹1 Lakh.

OPD Cover^^

Get covered for consultation with medical practitioners, diagnostic tests, dental treatment, and surgical treatments. Prescription drugs up to 35% of the OPD limit opted are covered.

Medical Equipment Cover

Cover expenses for Durable Medical Equipment up to 5% of SI (max ₹2.5 Lakhs) and Small Medical Equipment up to 1% of SI (max ₹20,000).

Double Cover

Get an additional 100% of Sum Insured for the same claim.

Home Care Treatment

Medical expenses related to listed home treatments are covered within SI limits.

Change in Pre-Existing Waiting Period**

Change the pre-existing waiting period to 48 months, 24 months or 12 months.

Reduction In Specific Illness Waiting Period

You can now reduce your waiting period on specific illness to 12 months.

Reduction in Room Rent

Change your hospital room category as per your requirement.

Voluntary Aggregate Deductible

Reduce your premium amount by opting for a Voluntary Aggregate Deductible.

Eligibility Criteria
for Reliance Health Infinity Insurance

Details Criteria
Age Child: 91 days to 25 years
Adult: 18 years to 65 years
Family Composition for Floater policy Maximum 8 members - 2 Adults and up to 6 children
Policy Period 1 year, 2 years & 3 years
Sum insured (₹) 5 Lakhs, 10 Lakhs, 15 Lakhs, 25 Lakhs, 50 Lakhs, 1 Crore, 2 Crores, 3 Crores, 4 Crores, 5 Crores

Waiting Period
of Reliance Health Infinity Insurance

Details Duration
Initial waiting period 30 days from the start of the policy date towards treatment of any illness except claims related to an accident.
Specific waiting period 2 years of waiting period applies on specific diseases. A continuous coverage of 24 months is essential after the date of inception of the first policy.
Pre-existing Diseases waiting period 3 years waiting period for expenses related to the treatment of PED. A continuous coverage of 36 months is essential after the date of inception of the first policy.

Easy & Faster
Claim Process

You can choose between cashless and reimbursement claims as per your convenience. For cashless claims, you must get treated at a network hospital where the insurer would settle the bills directly with the hospital authorities. If you want reimbursement claims, pay your bills initially and retain the original bills and receipts. Submit the original bills when you raise the claim.

  • Register Claim Icon

    Register Claim

    Inform the claims team regarding your hospitalisation. You can register a claim by writing to us, logging on to the Self-i App, or calling us on (022) 4890 3009 (Paid number)

  • Claim Process Icon

    Claim Process

    Submit details regarding the type of treatment planned and provide all required documents to the claims team. They will start the process immediately.

  • Claim Approval Icon

    Claim Approval

    Get cashless treatment at a our network hospitals. The claims team and hospital will settle all your bills.

  • Register Claim Icon

    Register Claim

    Inform the claims team regarding your hospitalisation. You can register a claim by writing to us, logging on to the Self-i App, or calling us on (022) 4890 3009 (Paid number)

  • Claim Process Icon

    Claim process & payment

    Submit details regarding the type of treatment planned, start the treatment and make the payment

  • Reimbursement Process Icon

    Reimbursement process

    Submit your original scan documents within 7 days from hospital discharge to initiate the reimbursement

Take a look at the exclusions for Health Infinity Insurance

While Health Infinity covers a lot for you, there are some situations where it doesn’t apply. Here’s a list of all medical exclusions in Reliance Health Infinity:

  • Illness or injury resulting from the use of alcohol, tobacco, narcotics or psychotropic substances
  • Self-detachable or removal artificial body parts
  • Treatment outside India except if opted for MoreGlobal
  • Unregistered hospitals
  • Correction of eye sight except to the extent covered in Special Treatment
  • Cosmetic, aesthetic and re-shaping treatment and surgeries unless required because of illness or injury
  • Alternative treatments except to the extent covered in AYUSH Benefit
  • Out-patient basis treatment
  • Unproven/Experimental treatments
  • Admission primarily for diagnostics and evaluation only
  • Any diagnostic expenses not related / not incidental to covered illness
  • Run-down condition i.e. rehabilitation, convalescence
  • Hearing aids, spectacles or contact lenses except covered in Special Treatment
  • External congenital anomaly
  • Any form of hormone replacement therapy (HRT) and/or administration of other hormonal medication
  • Venereal disease, sexually transmitted disease or illness
  • Maternity expenses
  • Infertility, Sterility, Birth control
  • Treatment and supplies for analysis and adjustments
  • Dental treatment
  • Non-payable items as per Annexure
  • Treatment rendered by a doctor outside his discipline
  • Treatment or drug not supported with prescriptions
  • Investigation & Evaluation
  • Rest cure, rehabilitation and respite care
  • Obesity/ Weight Control
  • Change-of-Gender treatments
  • Excluded Providers
  • Wellness and Rejuvenation
  • Dietary Supplements and Substances
  • Refractive Error less than 7.5 dioptres


Click here to read the policy wordings to know more about the exclusions of Health Infinity Insurance.

Health Insurance
FAQ

  • What is a pre-existing disease?

    A pre-existing disease is any sickness, medical condition or injury that was diagnosed within 48 months of the start date of your policy. A couple of examples include diabetes and high blood pressure.

  • What are Pre and Post Hospitalisation expenses?

    Some medical procedures require you to spend money before and or after being admitted to the hospital. These could be doctor consultations or post-surgery recovery. Such expenses are known as pre and post-hospitalisation expenses.

  • What is OPD?

    OPD stands for Out-Patient Department. It’s a facility for patients to access medical consultation and treatment without getting admitted to the hospital. OPD services available to patients include consultation with doctors, diagnostic tests, dental treatment, etc.

  • What is the Consumables Cover add-on?

    Consumables Cover pays for an assortment of consumables like syringes, gloves and sanitary pads which are necessary for your treatment if you get hospitalised. This cover is clubbed with the Unlimited Restore Benefit under the Limitless Covers add-on.

  • How long does my health insurance plan last?

    Your health insurance plan lasts for 12 months from the start date of the policy. If you want your policy for a longer duration you can buy a two or three year policy.

  • Do I need to pay individual premiums for each family member?

    No, if you add all your family members under one plan then you need only pay a single premium amount to cover all of them.

  • What are the payment modes available?

    You can pay your insurance premium by credit or debit card, UPI, Net Banking and through EMI.

  • What will I get if I buy a Reliance Health Infinity policy?

    With Reliance Health Infinity, you enjoy several benefits like discounts up to 35%*, a high Sum Insured up to Rs.5 Cr. to cover your medical expenses, the MoreBenefits options to give you that extra cover and various add-ons for enhanced protection.

  • What discounts are available if I buy Reliance Health Infinity?

    The discounts available are 10% Online Discount, 10% Prime Discount (for existing customers), 5% Girl Child Discount and more. You can avail up to 35%* discount with Reliance Health Infinity.

  • What kind of medical expenses does Reliance Health Infinity cover?

    Reliance Health Infinity covers several medical expenses which include Inpatient Care (ICU charges, Nursing, Practitioner’s fees, related diagnostic tests), Pre and Post Hospitalisation expenses, Special Treatments (Robotic Surgeries, Stem Cell therapy), Emergency Ambulance charges and more.

  • Are there any add-ons available with Reliance Health Infinity?

    Yes, there are several beneficial add-ons available under Reliance Health Infinity including Maternity Cover, OPD Cover, Change in Pre-Existing Waiting Period and more.

  • Is my insurance policy active from the day I buy it?

    Yes, your health policy is active from the day it is issued. However, there is a 30-day waiting period for the treatment of any illness except those arising out of an accident.

  • Is dental treatment covered under Reliance Health Infinity?

    Yes, dental treatment is covered under Reliance Health Infinity if you opt for the OPD Cover add-on.

  • What is Credit Score Discount?

    The Credit Score Discount is a special discount offered with the Reliance Health Infinity plan. Depending on your credit score, you can avail up to a 7.5% discount on your premium.

  • Will I get a discount if I buy a long-term policy?

    Yes, you will get a 10% discount on your premium if you buy a two or three-year policy.

  • Is there a limit to the number of claims I can make in a year?

    No, there is no limit to the number of claims you can make in a year as long as you don’t exhaust your Sum Insured.

  • What if I exhaust my sum insured?

    If you exhaust your Sum Insured you will not be able to make any more claims in that policy year. However, there are ways to replenish your coverage amount if you exhaust it through add-ons like Double Cover and Unlimited Restore Benefit.

  • Do I need a pre-medical check to buy health insurance?

    No, you do not need a pre-medical check-up to buy our health insurance. The pre-medical check-up is applicable only if you are above the age of 45.

  • What are the MoreBenefits options of Reliance Health Infinity?

    MoreBenefits options gives you that extra cover through its three variants, MoreTime, MoreCover and MoreGlobal. Here’s a brief description of each option:

    • MoreTime: Increases the duration of your policy period to cover you for extra months.
    • MoreCover: Gets you an additional amount over your Sum Insured to increase your overall coverage.
    • MoreGlobal: Covers your emergency hospitalisation and treatment outside of India.

  • Are maternity expenses covered in Reliance Health Infinity?

    Yes, maternity expenses are covered (within the defined limits) under Reliance Health Infinity but only if you opt for the Maternity Cover add-on in your policy. Please note, the Maternity Cover is available if you buy a three-year policy only.

  • What is the Restore Benefit and how does it help?

    The restore benefit is one of the basic covers available under Reliance Health Infinity which gives you the advantage of restoring your Sum Insured if you exhaust it during a policy year.

  • Does Reliance Health Infinity cover all my family members?

    Yes, Reliance Health Infinity covers all your family members for medical expenses if you add them under the family floater plan.

  • What kind of hospital room will I get if I’m hospitalised?

    You can opt for any kind of hospital room under Reliance Health Infinity since there is no cap on the room rent.

  • Will I get coverage for my medical expenses if I’m travelling abroad?

    You can get coverage for treatments abroad if you opt for the MoreGlobal benefit available with Reliance Health Infinity.

  • What if I forget to pay my health insurance premium?

    If you, by any chance, have failed to pay the policy renewal premium, you become uninsured again. This indicates that the coverage served to you by your health insurance plan has been taken back. To avoid this, it’s essential you pay the renewal premium before the due date.

  • How do I increase my sum insured over my existing health insurance plan?

    You can increase your sum insured either by buying an additional health insurance policy or by getting a top-up plan. Either way, you can increase your base coverage.

  • Can I make cashless claims for every hospitalisation?

    You can make cashless claims only if you get treated at one of our network hospitals. If you’re admitted to a non-network hospital, you can make claims on a reimbursement basis.

  • What if I get treated at a non-network hospital?

    Getting treated at a non-network hospital means you cannot make a cashless claim. This means that you have to settle the hospital bills first and then get reimbursed by our claims team.

Health Insurance

Reviews and Ratings

4.2 Stars
Quote Icon A decent policy by Reliance which covers hopitalization and helped me recover expenses.
User Icon

Mohan A

Good health insurance policy

12 December 2019, Kerala
Quote Icon It is a good health insurance policy which cover hospitalization and helped me avail cashless hospitalization
User Icon

Dino S

Health insurance with cashless benefit

13 February 2020, Hyderabad
Quote Icon I could select and customize the health insurance plan as per my needs. It was good to purchase the health insurance plan as needed.
User Icon

Chetan O

Customizable health insurance policy

5 February 2020, Vijayawada
Quote Icon I paid my own bills last year when I was admitted to the hospital and it was painful as I didn't had a health insurance policy
User Icon

Himani S

Don't miss health insurance

14 January 2019, Bengaluru
Quote Icon I contacted your contact center for my Health policy information. The advisor was knowledgeable and was very helpful. He provided the required information of my policy. I am very Happy with Reliance General Insurance.
User Icon

Chirag

Product Information

08 June 2022, Haryana
Quote Icon My experience with Reliance General Insurance is excellent. I always use self-i application because all the options are available under one roof. Self-I is so userful that there is no need to call on contact center or take services from any other platform.
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Jayaprakash D. V

HealthClaim Intimation

29 March 2022, Karnataka
Quote Icon My experience with Reliance General Insurance contact center was amazing. I had requested for name change in my policy and the same was completed within promised time. Advisor was knowledgeable and explained complete process to me. I am very much satisfied with the services of your company.
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Sunil Kumar Saroj

HealthClaim Intimation

14 April 2022, Delhi

Disclaimers:
*Maximum discount applicable on this policy is up to 35%. | ###Co-payment is not mandatory in Reliance Health Infinity Insurance. | ++Tax benefits are subject to conditions under Section 80D of the Act and amendments thereof. The tax laws are subject to amendments/changes from time to time. Please consult your tax advisor for details. | ^^These are optional covers and need to be opted separately while purchasing the policy. | ***Upto 100% of SI for related illness/injury for SI 5 Lakhs. | ##These are Add-on benefits and need to be opted separately. | ^Your policy premium includes one of the More Benefits for you to avail, while the other two can be opted by paying some additional premium. You can even opt out of the More Benefits and earn an additional discount on your premium. | **Get discount if you opt for a PED waiting period of 48 months. The premium quoted is subject to change in case any alteration is made while generating the final quotation for premium. For more details on risk factors, terms conditions, brochure, and exclusions, please read the policy wording carefully before concluding a sale. Details mentioned above are for Reliance Health Infinity Insurance UIN: RELHLIP23120V042223
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