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Reliance General Health Infinity

Introduction to Reliance General Health Infinity

Reliance General Health Infinity is a health insurance policy offered by Reliance General Insurance Company Limited. A health insurance policy acts as a protective shield for savings and healthcare, so you and your family can live a happy, fulfilling life. With Reliance General’s Health Infinity Plan, you can have peace of mind knowing that you and your loved ones will have access to the required medical care without worrying about the financial burden of unexpected medical expenses. It offers a range of benefits and features, making it a preferred choice among individuals.

Verdict: Reliance General Health Infinity

This plan hits the sweet spot with its affordable pricing as well as features and benefits. It is a perfect choice if you are looking for a plan that offers comprehensive coverage and is easy on the pocket. Besides hospitalization and related expenses, various expenses including maternity expenses, cost of consumable items, and OPD expenses, i.e., day-to-day expenses for medicines, tests, consultations, etc. are covered under the plan. Moreover, it offers multiple options to obtain premium discounts, enhancing its cost-effectiveness. On the flip side, however, the plan does not allow you to pay your premiums on a monthly basis. And, according to our research, the insurer has received fewer claim settlement complaints but a higher number of policy purchase complaints.

Pros & Cons: Reliance General Health Infinity

  • arrow Fairly priced in comparison to other products in the market
  • arrow No restrictions on the type of hospital room you choose
  • arrow Multiple options available for getting premium discounts
  • arrow Covers expenses associated with pregnancy
  • arrow Covers outpatient department costs, such as medications, tests, consultations, etc.
  • arrow Covers non-medical expenses or the cost of consumables such as gloves, oxygen masks, nebulization kits, etc.
  • arrow Received fewer complaints on claim settlement compared to other insurers
  • arrow Our study observed their responses on Twitter to be relatively quicker than other insurers
  • arrow Monthly premium payment mode not available
  • arrow Received higher number of complaints during policy purchase compared to other insurers

Specific Exclusions: Reliance General Health Infinity

01 Expenses related to non-allopathic or alternative treatment, except for AYUSH treatment
02 Circumcision unless necessary for treating a disease or injury
03 Convalescence, general debility, run-down condition, etc.
04 Dental treatment except for treatment required due to an accident
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About Reliance General Insurance Company Limited

Reliance General Insurance Company Limited logo

Reliance General Insurance Company Limited is part of Reliance Anil Dhirubhai Ambani Group, wholly owned through Reliance Capital. The company provides a variety of products including Health, Fire, Car, Two-wheeler, Marine, and Travel Insurance. It was founded in 2000 and is headquartered in Mumbai, Maharashtra. Mr. Rakesh Jain is the company's CEO and executive director.

Founded in
2000
JV Partners
-
Turnover (GWP)
557.08 Crores
Number of Policies
18,09,377
Number of Claims
20,17,843

Detailed Product Specs: Reliance General Health Infinity

Claims Experience advisor
Customer Service advisor
Product Benefits (10L Sum Insured) advisor
Limits and Exclusions advisor
% of claims settled in less than 30 days
Reflects on the speed of settling valid claims
89.89%
% of Complaints received on overall claims
% customers unhappy with claims experience
0.02%
Claims Incurred Ratio
87.12%
Claim Settlement Ratio (No. of claims)
What % of the claims received were paid?
85.52%
No. of Cashless Hospitals
9100+

Notes
  1. The health insurance data was last updated in June 2023. All data has been sourced from product brochures, policy wordings, prospectus, public disclosures (Q1, FY 2023-2024), IRDAI annual report (2021-22), insurer websites, and the IRDAI website. 
  2. For now, we have considered the most comprehensive plans from leading insurance companies. We will keep updating the product pages with new plans in the coming days.
  3. We have rated only those plans that can be serviced by individual advisors. This is because of our strong belief that health insurance customers need professional assistance from individual advisors before and after purchase. We do not recommend and hence do not rate direct-to-customer health insurance plans or plans where there aren't enough advisors available to service. 
  4. Affordability assessment of plans: 
    • The affordability of comprehensive plans is assessed using premiums for a family of two adults (30 years old) and one child (1 year old) residing in Zone 1 opting for a cover of ₹10 Lakhs. And, the premiums are as of 31st June 2023.
    • The affordability of Care Freedom Plan is assessed using premiums for a 30-year-old male residing in Zone 1 opting for a cover of ₹5 Lakhs. And, the premiums are as of 31st June 2023.
  5. The product benefits section is based on a sum insured of ₹10 Lakhs and only highlights the top benefits and features of health insurance plans. 
  6. Only those hidden and special conditions that apply to the benefits and features we have considered are included in the product pages. 
  7. The product pages only include the most significant specific exclusions under each plan.
  8. The product pages do not include any generic terms, conditions, or exclusions (those that are the same and apply to all health insurance plans).
  9. If the policy wording, brochure, or prospectus state that a benefit/feature is available with a specific plan but it is not available online when generating the premium quote, we have not considered that benefit/feature to be available with the plan.
  10. The response time on Twitter (Beta) was calculated using a sample set of tweets from April, May, and June 2022 (analyzed in August, September, and October 2022). 
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