Reliance
Health Infinity
Reliance Health Infinity is a reasonably comprehensive plan and gets its name “Infinity” because it offers you a cover of up to Rs. 5 crores. And unlike other comprehensive plans of its ilk, it offers a bunch of add-ons including maternity, OPD covers, international treatments, reduction in pre-existing disease waiting periods, etc, making it one of the most customizable plans on the market. The only downside is that Reliance General has had a tough few years due to the precarious financial situation of their erstwhile promoter Anil Ambani. Will things start looking up for the insurer soon? Well, that’s a bet you will have to make if you are buying the plan.
What's good here?
You’ll never have to split the bill
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.
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.
You can pick any room you like
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.
Pre & Post hospitalization expenses covered
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.
Full coverage even if you are forced to hospitalize at home
The insurer will bear the costs even if you are hospitalized at home due to a condition or the hospital running out of beds. In insurance lingo, they call this a policy with domiciliary cover.
You always have full cover irrespective of the disease
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.
Day Care treatments covered
If you’re hospitalized for less than 24 hours in lieu of a minor procedure, then the insurer will cover these costs too. Think dialysis, chemotherapy or minor surgeries.
Covers Alternative Medicine
Think of getting Ayurvedic, Homeopathic or other alternative treatments to cure an illness? Your insurer will cover you fully, up to the sum insured.
What's okay here?
Reasonable waiting period for pre-existing diseases
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.
Some Restoration Benefit
Even after you claim part of the cover on one occasion, you will have 100% of the cover restored, if you are hospitalized one more time in a bid to treat a different complication. In the same year, by the way.
What's lacking here?
No Bonus for being healthy and not claiming insurance
Some policies offer you extra cover if you go an entire year without claiming your insurance. This policy, however, offers no such benefit.
Your insurer doesn’t provide free health check-ups
If you want to get a full-body checkup just to make sure you’re in fine working condition, be ready to pay for it yourself.
Add-ons
PED Modification
This optional cover changes the applicable pre-existing waiting period from 36 months to either 48 months, 24 months, or 12 months. If you are currently diagnosed with any condition and want to reduce/increase the waiting period, it makes sense to opt for this add-on.
Smart Protector
With this paid add-on, the insurer provides a loyalty bonus of either 20% or 33.33% of SI max up to 100% of SI (as opted) at the end of each policy year) along with air ambulance coverage up to defined limits based on the cover amount taken.
Mother and Child Care
With this add-on, the insurance company provides coverage for maternity expenses up to ₹1 Lakh or ₹2 Lakh with 1-2 years of Maternity Waiting Period as per the coverage option opted along with newborn and vaccination cover up to ₹1 Lakh. But do note, this benefit is only available if you pay premiums for 3 years in advance.
More Time
With this paid add-on benefit, insured members get coverage for 13 months and 26 months for a 12 month plan and 24 month plan respectively.
Reduction in Specific Illness Waiting Period
With this add-on, the insurance company reduces the Specific Illness Waiting Period from 2 years to 1 year.
Room Rent Modifier
With this add-on, the insurance company modifies the room rent restriction from any room to either a Single Private room or Shared Accommodation.
Home Care Treatment
With the add-on, the insurance company will cover the cost of medical expenses related to listed home treatments like Covid-19, Dialysis, Chemotherapy, etc.
Removal of More Options Benefit
With this benefit, the insurance company gives a discount in the premium if one complementary More Option Benefit is not opted under the Policy.
Limitless cover
With this add-on, the insurance company provides 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.
OPD
With this add on, you can get coverage for outpatient consultations i.e. doctor visits, diagnostic tests and prescribed drugs. However, the coverage is limited to specified amounts based on the cover amount taken.
More Global
With this paid add-on benefit, the insurer gives coverage for emergency treatments abroad and any planned international treatments up to a defined limit.
More Cover
With this paid add-on benefit, the insurer gives you an 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.
Aggregate Deductible
If you ever have to make a claim, then you’ll be expected to pay a sum before insurance company settles the claim. This amount is called the deductible. So if you want to buy a policy at a better price, you can opt to pay a higher deductible i.e. you can pay lower premiums by offering to pay a sum (a deductible) when a claim comes up.
Medical Equipment Cover
With this add-on, the insurance company will cover the cost of durable items up to specified limits.
Double Cover
With this add-on, the insurance company gives an additional 100% of the sum insured for the same claim.
Frequently Asked Questions
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