Overview
Reliance Health Infinity is a comprehensive health insurance plan offering coverage up to ₹5 crores, making it one of the most high-value policies in the market. It includes unique add-ons such as unlimited restoration of the sum insured, maternity cover, OPD benefits, and international treatment coverage through its "MoreGlobal" add-on. The plan also provides flexible options for pre-existing disease waiting periods, discounts based on BMI and credit scores, and coverage for organ donor expenses up to the base cover amount.
Experts Review
Written by Nikhil Nair
Senior Writer
Reliance Health Infinity stands out for its extensive coverage and customizable options, making it suitable for individuals seeking premium health insurance with global accessibility. The plan’s high sum insured options, ranging from ₹5 lakhs to ₹5 crores, cater to diverse healthcare needs. Another key feature is its day-care and domiciliary coverage, which ensures that you are covered even if you are undergoing treatment at home or for less than 24 hours.
The inclusion of maternity benefits (up to ₹2 lakhs depending on the cover amount) and OPD cover adds significant value, especially for families planning parenthood or requiring outpatient consultations. International treatment coverage under the "MoreGlobal" add-on further enhances the plan’s appeal for those seeking medical care abroad. Additionally, discounts based on BMI and credit scores incentivize healthy living and financial responsibility.
However, the plan has some limitations. It does not offer a default bonus for claim-free years. This is not much of a limitation when it comes to plans with higher cover; but for low sum insured policies, it can be a significant drawback. It also does not offer free annual health check-ups, which are standard features in many competing plans.
Pros
Feature set is satisfactory.
Premiums are relatively well priced.
Insurer has a solid track record with great claim and service metrics.
Cons
No Bonus for being healthy and not claiming insurance, which is a notable gap.
Maternity benefits not offered, which could be a drawback for some. Need to opt add-on for maternity cover.
Doctor consultations are not covered, which is a key feature. Need to opt add-on for doctor consultations.
Reliance
Key Insights
Founded
2000
Reliance was established 25 years ago and has built strong credibility over time, backed by its long-standing presence in the market.
Claims Experience
87% claims settled in 30 Days
Reliance settles 87% of all claims it receives. This is reasonable performance, though there is room for improvement compared to top insurers.
Network Hospitals
10,000+
Reliance maintains a moderate network of 10,000 hospitals, offering reasonable coverage across key locations.
Complaints
4 complaints per 10,000 claims registered
Reliance maintains a low volume of complaints, reflecting strong customer satisfaction and effective service.
Features
All
Great
Good
Co-payment
The insurer will bear the entire cost of treatment (up to the sum insured). You won’t have to pay a single penny. Meaning this policy has no co-payment.
Room Rent
Shared room, single room, deluxe room or any room that’s available. The insurer won’t nitpick on your choice of room since the policy has no restrictions on room rent.
Customisable
Change Any room to Single Private room or Shared Accommodation..
Disease sub-limit
No funny business here. If your insurer hasn’t explicitly stated they won’t cover a certain illness, you can claim the full amount up to the sum insured, irrespective of the disease you’re dealing with. Meaning this policy doesn't impose the dreaded disease wise sub-limits.
Pre existing diseases waiting
If you’re already dealing with diabetes, cardiovascular problems or any such illnesses, the insurer will cover all costs arising out of these pre-existing problems after you wait for 3 years.
Customisable
For any illness: Pre existing disease waiting period is modified/reduced from 3 Years to 1 or 2 Years.
Pre/Post hospitalization
No worries if the doctor had to run a host of diagnostic tests before or after hospitalizing you. The insurer has your back. They will cover this amount in full for a pretty reasonable duration - 90 days before you are hospitalized and 180 days after discharge. This includes the cost of medication by the way.
Add-ons
Reduction in PED
Recommended
For any illness: Pre existing disease waiting period is modified/reduced from 3 Years to 1 or 2 Years.
Limitless cover
Recommended
Get extended coverage for generally excluded items like syringes, gloves, PPE kits etc. along with Unlimited Restoration that will restore your cover in full every time a claim is settled.
Smart Protector
Recommended
Additional bonus of either 20% or 33.33% up to maximum of 100% (as opted) at the end of each policy year) along with air ambulance coverage up to defined limits based on the cover amount taken.
OPD
Coverage for outpatient consultations i.e. doctor visits, diagnostic tests and prescribed drugs up to specified amounts based on the cover amount taken.
Mother and Child Care
Maternity expenses covered between ₹1,00,000 and ₹2,00,000 after a waiting period of 1-2 years along with upto ₹1,00,000 of newborn cover. But do note, this benefit is only available if you pay premiums for 3 years in advance.
More Global
Coverage for emergency treatments abroad and any planned international treatments up to a defined limit.
Aggregate Deductible
Choose deductible between ₹10,000 and ₹1,00,000 and get a discount on premiums.
Room Rent Modifier
Change Any room to Single Private room or Shared Accommodation..
More Time
Coverage for 13 months and 26 months for a 12 month plan and 24 month plan respectively.
More Cover
Enhanced cover on your sum insured, meaning you get ₹3 Lakhs of extra cover when you opt for a SI of ₹10 Lakhs and this amount varies according to the cover amount.
Reduction in Specific Illness Waiting Period
Reduces the Specific Illness Waiting Period from 2 years to 1 year.
Medical Equipment Cover
Covers the cost of durable items up to specified limits.
Home Care Treatment
Covers the cost of medical expenses related to listed home treatments like Covid-19, Dialysis, Chemotherapy, etc.
Double Cover
Gives an additional 100% of the sum insured for the same claim.
Removal of More Options Benefit
Provides a discount in the premium if one complementary More Option Benefit is not opted under the Policy.
Permanent Exclusions
Conditions or treatments that the policy clearly says it will not cover.
Hormonal therapies
Peritoneal dialysis
Treatment by a family member
Expenses related to any admission primarily for diagnostics and evaluation purposes are excluded.
Diagnostic expenses not related or incidental to current diagnosis and treatment are excluded.
Disclaimer: For illustration purposes only - exact terms are in the policy wording.
Specific Illness
The following illnesses are not covered under the policy for 2 years.
Sinusitis
Rhinitis
Tonsillitis
Adenoidectomy
Mastoidectomy
Waiting Period
30 days Initial waiting period
2 years Specific illness waiting period
3 years Pre-existing disease waiting periodCustomisable
Ditto's Take
◦ Excellent ◦
Waiting periods on this policy are excellent. This policy also further allows to reduce the PED waiting period to 1 or 2 Years for all diseases.
What's missing in the policy
No Bonus for being healthy and not claiming insurance.
Maternity benefits not offered. Need to opt add-on for maternity cover.
Doctor consultations are not covered. Need to opt add-on for doctor consultations.
Customer Reviews
M
Madan Mishra
Coverage up to ₹5 crores is one of the highest in the market! Amazing.
M
Madhuri Iyer
Unlimited restoration of the sum insured is a fantastic add-on for complete peace of mind.
M
Mala Menon
Maternity cover add-on included is a great benefit for families.
N
Natasha Chandra
The 'MoreGlobal' add-on might have specific conditions for international treatment.
N
Nandini Das
Reliance is a known brand, but need to check their health insurance claim settlement specifics.
M
Mukesh Jain
Flexible options for pre-existing disease waiting periods are helpful.
A
Aarav Sharma
Unlimited restoration is a lifesaver! Peace of mind for my family.
P
Priya Singh
Coverage up to 5 crores! Truly infinity wali feeling. Best for high medical costs.
R
Rohan Mehta
Maternity cover and OPD benefits included, bahut accha laga. Complete package.
I
Isha Joshi
Customer service response was a bit slow during initial query.
P
Pooja Desai
Premium thoda high side pe hai, but features justify karte hain.
S
Sneha Patel
BMI and credit score discounts are a nice touch, rewards healthy lifestyle.
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Frequently Asked Questions
Does Health Infinity have waiting periods?
- 30-Day Waiting Period: Hospitalizations won’t be covered for the first 30 days of the policy unless it’s an accident.
- Specific Illness Waiting Period: There’s a 2-year waiting period for a list of diseases which is a mandate before you can start claiming.
- Pre-Existing Disease Waiting Period: There's a 3-year waiting period for any pre-existing disease you may have while buying the policy.
- Maternity and Newborn Waiting Period: There’s a 1-2 year waiting period before you can make claims related to pregnancy and childbirth.
Does Health Infinity have room rent restrictions?
Does Health Infinity offer a restoration benefit?
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