Reliance Health Infinity Insurance Plan

Nowadays, health insurance has become a necessity and it is the only way to manage unforeseen medical emergencies. Reliance Health Infinity is a comprehensive health insurance plan that comes with a number of benefits and discounts. The policy offers wide coverage sum insured options i.e., from 3 lakh to 1 crore, no sub-limits, and 90 days cancellation time period.

Read along to explore more about the plan:

Eligibility of Reliance Health Infinity Plan

**Last Updated on March, 2022

Key Features of Reliance Health Infinity Plan

With the availability of a number of health insurance plans in the market, one should always be aware of key features of the availed plan. Let's understand the key features of Reliance Health Infinity for your better understanding.

• It offers no sub-limits on ambulance charges, hospital room rent expenses, organ donor, and AYUSH benefits.
• Get coverage for mental health illness/disorder treatment such as Alzheimer's and Parkinson's Disease.
• Availability of the restoration of sum insured amount.
• Coverages for daycare treatment/procedures are also covered under this plan.
• It also covers the pre and post-hospitalization expenses for 90 days and 180 days.

Details of the plan

**Last Updated on March, 2022

Benefits of Reliance Health Infinity Plan

The major benefits of the Reliance Health Infinity Plan are:

1. AYUSH Benefits

   Health Infinity plan provides you with the coverage for expenses incurred on medical treatment that involves Ayurveda, Unani, Siddha, and Homeopathy. All these are the essential alternative treatment approaches for which hospitalization expenses are also covered under this plan.

2. Organ Donor

   If you are having a Reliance Health Infinity plan and require an organ transplant, then this policy offers coverage for expenses related to 'Organ Donor' without any sub-limits. So it covers the medical expenses of harvesting the organ from the donor.

3. Daycare treatments

   This plan provides coverage for inpatient hospitalization wherein a minimum of 24 hours of hospitalization is required. But some of the daycare procedures are quick and do not require 24 hours of hospitalization because of technological advancements. They are also covered under this plan.

4. Pre-hospitalization

   The plan comes with the option of covering the medical expenses incurred up to 90 days before hospitalization.

5. Post hospitalization

   The plan comes with the option of covering the medical expenses incurred up to 180 days after hospitalization i.e., for the discharge from the hospital.

6. Restoration Benefits

   A health infinity plan offers a restoration benefit of up to 100% if the claims made in 1 year of policy have exhausted the sum insured.

7. Domiciliary hospitalization

   The plan offers coverage for medical expenses incurred during a treatment at home that exceeds 3 days consecutively.

8. Inpatient care

   All the medical expenses related to illness/ accident involving ICU charges, room rent expenses, or any other charges related to medical treatment.

9. Robotics, Stem cell, and other treatments

   It also includes the coverage for special treatments such as Robotic surgeries, stem cell therapies, and corrections in eyesight. All these are covered along with a co-payment of 50% of medical expenses.

10. Ambulance Cover

    In this, the expenses incurred on transporting an individual from one hospital to another without any sub-limits are covered.

Exclusions

It does not cover:

• War or war-like circumstances
• Breach of law with the intent of the criminal activity
• Intentional or self-inflicted injuries
• Dangerous or hazardous activities such the participation in adventurous sports or in air force operations
• Injuries/diseases/illnesses occur because of alcohol, tobacco, or substance abuse.
• Obesity/weight control management programs
• Maternity Expenses
• Dental Treatment
• Cosmetic, aesthetic, and surgeries occurred because of illness/injury.

Discount Offerings by Reliance Health Infinity

1. Family Discount

   The plan offers a 10% of family discount (depends on the size of the family) when more than one member of the family is insured individually in the same/existing policy rather than having a family floater plan.

2. Discount on Renewals

   After completing one year of this policy, if you get your health check-up done, then after sharing your reports with the insurer, you are eligible for a 10% discount on the renewal premium.

3. Long-term policy

   This plan offers you an additional discount of 10% on premium if the policyholder chooses a long-term policy of 2 or 3 years.

Cancellation of Policy

**Last Updated on March, 2022

What Is The Process To Claim Reliance Health Insurance?

Cashless Claim:

If you are admitted to one of Reliance's partnered network hospitals, you have to follow the below steps-

• Inform the company about your hospitalization.
• All the authorization forms are required to be submitted on time along with the health cards and photo ID at the hospital desk.
• After all the submissions, the hospital will contact Reliance Health Insurance for approval.
• The insurance company will settle all the bills after verification.

Reimbursement Claim:

Here you have the option to get yourself treated at any hospital (apart from the network) and file for reimbursement with the following steps-

• Inform the insurance company about the hospitalization as soon as possible.
• Pay for the treatment and collect all the necessary documents (original copy) before you leave the hospital.
• All original documents have to be submitted within 15 days of post-hospitalization treatment to get the reimbursement.
• The company will verify the claim request and transfer the payment on approval.

Documents Required

• Valid ID Proof
• Original reports of diagnostic tests, radiology reports, and payment receipts.
• Original hospital bills and discharge certificate signed by a medical practitioner.
• Medical practitioner's prescription for consultation, medicine, and medical tests.
• Post Mortem Report (if applicable).
• Others requested by the company.