Reliance General Health Infinity

Reliance General Health Infinity is a health insurance policy offered by Reliance General Insurance Company Limited. 

Reliance General Health Infinity - a plan that strikes the perfect balance with its budget-friendly pricing and extensive array of features and benefits. If you're seeking a comprehensive coverage plan that won't break the bank, look no further. This plan goes beyond covering just hospitalization expenses; it also includes maternity expenses, costs of consumable items, and even outpatient department (OPD) expenses - encompassing your day-to-day medical needs like medicines, tests, and consultations. What sets Reliance General Health Infinity apart is its versatility in offering multiple avenues for premium discounts, making it a truly cost-effective choice.

However, it's worth noting that this plan doesn't offer the flexibility of monthly premium payments. Additionally, while our research indicates fewer complaints regarding claim settlements, there have been relatively more grievances related to policy purchases.

What are the benefits offered by the Reliance General Health Infinity plan?

• Inpatient hospitalisation coverage: Reliance General Health Infinity plan provides coverage for the expenses related to inpatient hospitalisation. These expenses refer to the costs that arise when you are admitted to a hospital for a duration exceeding 24 hours such as the costs of your hospital room, nursing care, consultations, prescription medications, ICU charges, and any other relevant expenses.
• Pre-hospitalisation coverage: Before you are admitted to the hospital, you may incur certain medical expenses. These costs, called pre-hospitalisation charges, include fees for consultations, laboratory tests, checkups, and medical reports, among other things. Please note that the insurance company will only cover your expenses if they are directly related to the medical condition that leads to your hospitalisation, and the claim is approved as part of your inpatient hospitalisation expenses. With the Reliance General Health Infinity plan, you can be confident that your pre-hospitalisation expenses will be covered for a period of 90 days before your hospitalisation up to the sum insured.
• Post-hospitalisation coverage: After your discharge from the hospital, you may incur certain medical costs known as post-hospitalisation expenses. These costs include consultations expenses, check-ups expenses, medical tests expenses, etc. To ensure your expenses are covered, they need to be directly related to your hospital stay and approved as part of your inpatient hospitalisation coverage. With the Reliance General Health Infinity plan , you get comprehensive coverage for post-hospitalisation expenses up to the sum insured for 180 days after your hospitalisation.
• Daycare treatment coverage: A daycare treatment is a medical procedure or surgery that traditionally required an extended hospital stay but can now be completed within 24 hours due to advancements in medical technology.  With the Reliance General Health Infinity plan, you can enjoy comprehensive coverage for all the daycare treatments without any limit up to the sum insured.
• Domiciliary treatment coverage: Domiciliary treatments refer to medical treatments for illnesses or injuries that require immediate attention in a hospital but are administered at home because the patient is very ill or injured and cannot be transported safely to a hospital, or because there are no hospital beds available in the patient's immediate vicinity.  With the Reliance General Health Infinity plan, all expenses related to domiciliary treatments are fully covered up to the sum insured.
• Organ donor coverage: The Reliance General Health Infinity also provides coverage for organ donor expenses. It covers the costs associated with harvesting the organ up to the sum insured where you are the recipient.
• Modern treatment coverage: The relentless progress in medical technology has granted access to groundbreaking treatments that were once unimaginable. Treatments like stem cell therapy, radio surgery, etc., are now available, offering targeted solutions for conditions that were previously deemed untreatable. The Reliance General Health Infinity plan is tailored to keep up with these developments and covers the expenses associated with these modern treatments up to the sum insured without any limit.
• Non-medical expenses coverage: The Reliance General Health Infinity plan also covers non-medical expenses if you opt for an add-on up to the sum insured. These non-medical expenses refer to the cost of consumables, such as gloves, nebulization kits, oxygen masks, and other items necessary for treatment. 
• No claim bonus: No claim bonus is a reward given by the insurance company if no claim is made during the policy period.  The Reliance General Health Infinity plan offers options of 20%/33% of the sum insured as a no claim bonus, subject to a maximum of 100% of your sum insured if you opt for it as an add-on. If you do make a claim during the policy period, the bonus will not be reduced.
• Super no claim bonus: The super no claim bonus is an upgraded version of the no claim bonus, and it operates in a similar manner. The Reliance General Health Infinity plan does not offer this benefit. 
• Restoration benefit: The restoration benefit is a feature that restores your sum insured after you have used it up during a policy year. With the Reliance General Health Infinity plan, you can enjoy this benefit for both related illnesses and unrelated illnesses. This feature is activated when both your sum insured and no claim bonus have been fully used up. The best part is that you can enjoy this benefit unlimited times in a policy year from the first paid claim if you opt for it as an optional cover.

Please remember that the limitations and conditions mentioned in the benefits above apply to a sum insured of Rs. 10 lakhs. 

Reliance General Health Infinity: Financial Limits

• Room rent limit: The room rent limit is the maximum amount that your insurance provider will cover for your hospital room expenses. When you choose a room within this limit, you won't have to pay any extra charges. But if you decide to go for a pricier room, you'll be responsible for a proportionate portion of the total hospital bill, not just the room rent difference. With the Reliance General Health Infinity plan, you have the freedom to select any room without any restrictions.
• ICU rent limit: It is the maximum amount that your plan will pay for your stay in the intensive care unit at the hospital. In the Reliance General Health Infinity plan, there is no limit on the ICU rent. This means that the plan will cover the entire cost of your ICU stay, up to the sum insured.
• Copayment: A copayment, or copay, is a portion of the approved claim amount that you are responsible for paying out of pocket. Once this payment is made, the insurer will cover the remaining expenses. There is the option of choosing a 10% copayment in the Reliance General Health Infinity plan.
• Deductible: A deductible refers to a specific amount that you need to pay out of pocket before your insurance coverage kicks in to cover the remaining costs. It's important to note that there are options of 10K/25K/50K/100K deductible in the Reliance General Health Infinity plan.
• Limits on surgeries/treatments: This refers to the maximum amount that the health insurance policy will cover for specific medical procedures or treatments. Some plans have predetermined limits on the amount they’ll cover for certain procedures, while others do not. With the Reliance General Health Infinity plan, the cataract treatment and joint replacement surgeries are covered up to the sum insured.

Please note that the above financial limits are taken for a 30-year-old individual opting for a sum insured of Rs. 10 Lakhs.

Reliance General Health Infinity: Waiting Periods & Exclusions

👉Waiting period

A waiting period is a specific time frame during which certain illnesses and medical conditions are not immediately covered after obtaining a health insurance policy. Claims for these specific conditions can only be made once the waiting period has passed. Here are some of the types of waiting periods -

• Initial waiting period: There is an initial waiting period of 30 days for all medical conditions, with the exception of accidents. During this time, you will not be eligible to make a claim for any hospitalisation, except in cases of accidents.
• Waiting period for pre-existing conditions: A pre-existing condition refers to any medical condition or illness you experienced within the 36 months before purchasing a health insurance policy. In the Reliance General Health Infinity plan, there is a waiting period of 12 months for pre-existing conditions if you opt for it as an add-on. During this waiting period, you will not be eligible to make any claims for costs associated with your pre-existing disease.
• Waiting period for specific diseases: In addition to pre-existing conditions, insurers maintain a list of particular medical conditions or illnesses that entail waiting periods, regardless of whether you have experienced those diseases previously or not. The waiting period is determined by the insurer and is not dependent on your current state of health. The Reliance General Health Infinity plan has a waiting period of 12 months for specific diseases if it is chosen as an add-on.

👉Exclusions

Health insurance policies do not provide coverage for specific medical conditions or situations. These are referred to as exclusions. Here are some of the types of exclusions -

• Standard Permanent Exclusions: All insurance providers are required to adhere to the ‘standard permanent exclusions’ established by IRDAI. These include -

1. Investigation and evaluation: Hospital admission for observation or monitoring.
2. Rest, rehabilitation, and respite care: Admission to a facility for bed rest without active treatment. 
3. Obesity/weight control: Treatment or surgery related to weight control or obesity.
4. Gender reassignment: Treatments aimed at altering the body’s characteristics to match the opposite sex. 
5. Plastic/Cosmetic surgery: Treatment or surgery intended to modify body characteristics or appearance.
6. Profession in hazardous or adventure sports: Treatment expenses resulting from participating in adventurous activities such as river rafting, mountaineering, scuba diving,etc. as a professional.  
7. Breach of law: Expenses incurred in treating a person who has committed or attempted to commit a criminal act.
8. Excluded providers: Treatment received from medical practitioners or hospitals excluded by the insurance company.
9. Narcotics: Treating addiction to substances such as alcohol, drugs, etc.
10. Treatments in establishments arranged for domestic purposes: Expenses incurred due to the treatment received in health spas, nursing homes, or similar establishments arranged entirely or partially for domestic reasons. 
11. Dietary supplements, substances purchased without subscription: Vitamins, minerals, etc., that a medical practitioner does not prescribe.
12. Refractive error: Expenses associated with correcting refractive errors of up to 7.5 diopters to improve eyesight.
13. Unproven treatments: Surgeries, medical procedures, or treatments that are not proven to be effective.
14. Expenses related to birth control, sterility, and infertility: Contraception, sterilisation, artificial insemination, advanced reproductive technologies such as IVF, ZIFT, GIFT, ICSI, gestational surrogacy, etc. 
15. Maternity expenses: Pre/post-natal costs, childbirth-related hospitalisation expenses, etc. 

• Additional permanent exclusions: Insurance providers have the authority to apply additional exclusions for particular medical conditions or circumstances besides the standard permanent exclusions. If you have certain diseases or severe medical conditions that insurers consider risky to cover, they may permanently exclude them from your policy. 

However, you need to note that the health insurers are restricted to a list of illnesses defined by the Insurance Regulatory and Development Authority of India (IRDAI) for which they can apply a permanent exclusion. They cannot impose permanent exclusions to illnesses or diseases beyond this list.

• Non-standard exclusions (Specific exclusions): These are specific exclusions that go beyond the standard permanent exclusions outlined by the IRDAI. These exclusions differ across insurance companies and depend on the policy’s terms and conditions. . Here are some of the specific exclusions listed under the Reliance General Health Infinity plan -

1. Expenses related to non-allopathic or alternative treatments, excluding Ayurveda, Unani, Siddha, and Homeopathy.
2. Circumcision unless medically necessary for treating a disease or injury.
3. Convalescence, general debility, respite care, or conditions related to being run-down, etc.
4. Dental treatments, except those required due to accidents, root canal treatments, or extractions.
5. Treatment expenses related to external birth defects and genetic disorders.
6. Costs associated with hearing aids.
7. Expenses linked to growth hormone therapy, hormone replacement therapy (HRT), or other hormonal medications.
8. Elastic stockings, diabetic test strips, and similar medical supplies.
9. Expenses associated with Peritoneal dialysis.
10. Self-detachable or removable prosthetics and other non-surgical devices.
11. Treatments related to intentional self-inflicted injuries or attempted suicide.
12. Treatments related to spinal injuries, skeletal structures, muscle stimulation, excluding fractures, dislocations of the mandible, and extremities.
13. Costs for vaccination, inoculation, and immunization, except for post-animal bite treatments.
14. Injuries or illnesses resulting from nuclear, chemical, or biological attacks or weapons.
15. Injuries or diseases resulting from war, invasion, acts of foreign enemies, or warlike operations.

What to expect in terms of claims experience if you buy from Reliance General Insurance Company Limited?

• Speed of claims: Reliance General Insurance Company Limited has settled  91.69% of its claims within 30 days. This is lower than a few other companies. 
• Claim-related complaints: As per our research, we found that Reliance General Insurance Company Limited has a higher complaint rate as compared to other insurers, accounting for 0.03%.
• Claims incurred ratio: The claims incurred ratio is a measure of an insurer's financial performance. It shows the total claims paid out in relation to the premiums received in a specific fiscal year. Reliance General Insurance Company Limited has a claims incurred ratio of 89.42%.
• Claim settlement ratio: Reliance General Insurance Company Limited's claim settlement ratio stands at 93.14%. This figure reflects the proportion of total claims received to those successfully settled by the company in a specific fiscal year.
• Network hospitals: Reliance General Insurance Company Limited provides access to an extensive network of 
  10,000+ hospitals. This network allows customers to receive cashless treatment without any financial worry.

How is the customer service of Reliance General Insurance Company Limited?

• Policy purchase-related complaints: Based on our research, Reliance General Insurance Company Limited has received 0.01% of complaints related to its after-sales service, which is lower than other insurance companies. 
• Response on Toll-Free: Our research suggests that Reliance General Insurance Company Limited’s response time on their toll-free is quick, as compared to other insurers. 
• Response on Twitter: As per our research, Reliance General Insurance Company Limited has a slow response time on Twitter, as compared to others.

About Reliance General Insurance Company Limited

Reliance General Insurance Company Limited operates under the umbrella of the Reliance Anil Dhirubhai Ambani Group, fully owned by Reliance Capital. Offering a diverse range of insurance products such as Health, Fire, Car, Two-wheeler, Marine, and Travel Insurance, the company was established in 2000 with its headquarters situated in Mumbai, Maharashtra. Leading the company as CEO and executive director is Mr. Rakesh Jain.