Reliance Health Infinity Insurance

Reliance Health Infinity Insurance

Reliance Health Infinity Insurance plan offers comprehensive health insurance coverage to the insured against expenses arising out of medical emergencies. This Reliance Health Insurance policy comes with multiple attractive benefits, including no sub-limits, COVID-19 vaccine discount, 90-days free cancellation and a wide range of sum insured options.

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Reliance Health Infinity Insurance: Key Highlights

Coverage Offered by Reliance Health Infinity Insurance

The Reliance Health Infinity Insurance policy offers a variety of coverage options to the insured. A person can buy this Reliance Health Insurance plan on an individual or floater basis. The following coverage benefits can be availed under the Reliance Health Infinity plan:

• In-patient Care- The plan covers all medical expenses incurred during hospitalization for more than 24 hours due to an accident or illness, including mental illnesses. The medical expenses include room rent, ICU costs, medicine costs, diagnostic test costs, etc.
• Day Care Procedures- It provides coverage for day care procedures or medical procedures that do not require a 24-hour admission to the hospital.
• Domiciliary Hospitalization- The plan covers medical expenses incurred during a home treatment on a doctor’s recommendation that exceeds three consecutive days.
• Organ DonorExpenses - In case an organ transplant is required by the insured, all expenses incurred on the organ donor for harvesting the organ are covered.
• AYUSH Benefit- Medical expenses incurred during an AYUSH treatment, such as Ayurveda, Homeopathy or Siddha, are covered by Reliance General Insurance Company.
• Pre-hospitalization Medical Expenses- The plan covers medical expenses incurred up to 90 days before hospitalization.
• Post-hospitalization Medical Expenses- The plan covers medical expenses incurred up to 180 days post-hospitalization.
• Transportation Benefit- Expenses up to Rs 500 are covered for using a registered radio cab service for transfer to and from the hospital.
• Restore Benefit- If the claims made within a policy year have exhausted the sum insured completely, then the restore benefit will restore it by 100%. The restored sum insured can be used to claim illnesses that haven't been claimed before.
• Special Treatments- Special treatments like robotic surgeries, stem cell therapy, oral chemotherapy,eyesight corrections, etc. are covered with a co-payment of 50% of the incurred medical expenses.
• Emergency Ambulance- When an emergency ambulance is usedto transport the insured from one hospital to another, the incurred expenses are covered by the insurance company without any sub-limits.

Optional Cover:

'More' Options Benefit- The Reliance Infinity Insurance plan comes with the unique ‘More Options’ benefit that can enhance the chosen sum insured & policy tenure and extend the coverage worldwide in the form of MoreCover, MoreTime, and MoreGlobal covers. For instance, Reliance Health Insurance will offer Rs 1,00,000 extra coverage on a Rs 3,00,000 policy tenure and an extra 1 month cover over the policy tenure of 1 year under the MoreCover and MoreTime benefit respectively.

The policyholder can opt for one of these ‘More’ covers for free but the second and third ‘More’ cover can be availed by paying an extra premium amount. The MoreGlobal cover offers worldwide coverage for emergency hospitalization and day care procedures up to the specified limits.

Exclusions of the Reliance Health Infinity Insurance Policy

The following expenses are excluded from the Reliance Health Infinity Insurance plan:

• Medical expenses during the waiting period
• Medical expenses for rehabilitation care
• Any obesity-related or sleep apnoea medical procedure
• Gender change & cosmetic surgery
• Medical expenses incurred due to injuries from any hazardous or adventure sports activity
• Treatment expenses due to breach of law
• Treatment for alcoholism and drug abuse
• Wellness or rejuvenation-related expenses
• Dietary supplements and supplements
• Eyesight correction, dental treatments, & HRT
• Treatmentsor medicines without medical prescriptions
• Medical treatments for fertility, sterility, or birth control
• Maternity expenses & alternative treatment expenses
• Circumcision
• Treatment expenses for STDs

For a complete list of exclusions, please refer to the Reliance Health Infinity insurance policy document.

Features and Benefits of the Reliance Health Infinity Policy

The features and benefits of the Reliance Health Infinity policy are listed below:

• Wide range of sum insured ranging from Rs 3 lakh to Rs 1 crore
• Coverage for COVID-19 treatment expenses
• No sub-limits on hospital room rent, road ambulance charges, organ donor expenses, AYUSH benefits, etc.
• Coverage for robotic surgeries and other special treatments
• Daycare treatment coverage is provided.
• 100% restoration of the sum insured is available
• 90 days pre-hospitalization and 180 days post-hospitalization expenses are covered
• Mental illness coverage is also available
• More Options benefit enhances the sum insured, coverage limit and policy tenure
• 5% COVID-19 vaccine discount is available
• 10% voluntary co-payment option is available
• 90 days free cancellation period

Eligibility Criteria of Reliance Health Infinity Policy

The eligibility conditions to buy the Health Infinity policy by Reliance General Insurance Company are given in the table below:

Cancellation Terms of the Reliance Health Infinity Policy

Refer to the following information to know about the refund policy of Reliance Health Infinity Insurance policy:

• If the policy is cancelled within 90 days of purchase, a 100 % refund on the premium will be provided.
• If it is cancelled after 90 days, the premium amount refunded will be on a pro-rata basis.

The Reliance General Insurance Company can also cancel the contract if the policyholder indulges in fraud or misrepresentation, or concealment of essential medical information.

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