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