Reliance Infinity health insurance

Reliance Health Infinity Health Insurance overview

• Reliance Health Infinity Health Insurance - Key Features

  • 3 Unique Benefits - More Cover, More Time, More Global

    More Cover	Base Sum Insured	3,00,000	5,00,000	10,00,000	15,00,000	50,00,000	100,00,000
    	Additional Sum Insured Benefit	1,00,000	2,00,000	3,00,000	5,00,000	15,00,000	30,00,000
    More Time	Extended Policy Year of 13 months if Policy period is 1 year and Extended Policy Year of 26 months if Policy Period is 2 years
    More Global	Covers any emergency hospitalisation abroad - up to defined limits Equal to 100% of Sum Insured, maximum upto₹20,00,000

  • No-Sublimit On Hospital Room Rent Or Road Ambulance
  • No-Sublimit On Organ Donor Expenses
  • 90 Days Free Cancellation Policy
  • 90 Days Pre & 180 Days Posthospitalisation
  • Day Care Treatment Covered
  • Restore Benefit
  • Wide range of Sum Insured from ₹3 lakhs to ₹1 crore

• Reliance Health Infinity Health Insurance - Benefits

  Sum Insured ( in INR ₹)	3,00,000	5,00,000	10,00,000	15,00,000	50,00,000	100,00,000
  Section 1 – Basic Benefits
  Inpatient Care	Covered, No Sub Limits
  Special Treatments - Co-payment of 50% of admissible Medical Expenses for all Sum Insured options	1,00,000	1,00,000	1,00,000	1,50,000	1,50,000	1,50,000
  Day Care Procedures	Covered, No Sub Limits
  Domiciliary Hospitalisation	Covered, No Sub Limits
  Organ Donor	Covered, No Sub Limits
  Ayush Benefit	Covered, No Sub Limits
  Pre - Hospitalisation	Covered upto 90 days
  Post - Hospitalisation	Covered upto 180 days
  Emergency Ambulance	Covered, No Sub Limits
  Transportation Benefit	Maximum ₹500
  Restore Benefit	Equal to 100% of Sum Insured

  Section 2 – More Option Benefits
  More Cover	Base SI	3,00,000	5,00,000	10,00,000	15,00,000	50,00,000	100,00,000
  	Additional SI	1,00,000	2,00,000	3,00,000	5,00,000	15,00,000	30,00,000
  More Time	Extended Policy Year of 13 months if Policy period is 1 year and Extended Policy Year of 26 months if Policy Period is 2 years
  More Global	Covers any emergency hospitalisation abroad - up to defined limits Equal to 100% of Sum Insured, maximum upto₹20,00,000

  Section 3 – Voluntary Co Payment if Opted
  Voluntary Co Payment	10% if Opted

• Benefit Description

  Inpatient Care	Covers medical expenses like room rent, ICU charges, medical practitioners fee, nursing charges etc. incurred during hospitalization due to an illness or accident for period more than 24 hrs.
  Special Treatments	Coverage of treatments which are usually not covered under regular health insurance plans such as: Robotic surgeries which are less invasive and results in quick recovery Stem cell therapy and upcoming futuristic technology in medical science Correction of eye sight due to refractive error above dioptre 14.0 Administration of intra-articular or intra-lesional injections, monoclonal antibodies such as Rituximab / Infliximab / Tratsuzumab (trade name Remicade, Rituxan, Herceptin), supplementary medications such as zolendronic acid Covers hospitalization due to Mental illness, Parkinson’s and Alzheimer’s diseases in accordance with the mental healthcare act,2017 This comes as a co-payment of 50%
  Day Care Procedures	Medical expenses incurred for day care procedures taken at a hospital or day care centre. All day care treatments are covered
  Domiciliary Hospitalisation	Covers medical expenses for medical treatment at home for a period exceeding three (3) consecutive days which would otherwise have necessitated hospitalisation
  Organ Donor	Medical expenses on harvesting the organ from donor during transplantation
  Ayush Benefit	The medical expenses for in-patient treatment taken under Ayurveda, Unani, siddha and homeopathy
  Pre - Hospitalisation	Covers medical expenses incurred 90 days prior to the date of hospitalisation
  Post - Hospitalisation	Covers medical expenses incurred up to 180 days from the date of discharge
  Emergency Ambulance	Actual expenses incurred for utilizing road ambulance service for transporting the insured to the nearest hospital with adequate emergency facilities in case of emergency or from one hospital to another if medically required
  Transportation Benefit	Expenses incurred up to `500 for utilizing a registered radio cab operator’s services for transporting the insured person to and/or from the hospital, provided that has an approved pre-authorization request
  Restore Benefit	Re-instatement of 100% sum insured if exhausted during the policy year. Restore sum insured can be used for only future claims made by the insured person and not against any claim in respect of an illness (including its complications) for which a claim has been already paid)

• Eligibility Criteria of Reliance Health Infinity Insurance

  Age	Child: 91 days to 25 years Adult: 18 years to 65 years Age based on completed years No maximumcover ceasing age
  Family Composition for Floater policy	Maximum 8 members-2 Adults and up to 6 children
  Policy period option	1/2/3 Years
  Sum insured option (in ₹)	3, 5, 10,15,50,100 lacs

• Policy Cancellation

  Length of time policy in force	Refund of Premium
  Upto 90 days	100% Refund
  Above 90 days	Pro-rata

• Waiting period

  A waiting period of 30 days applicable to all claims unless insured suffers an accident.

  Specific waiting period - A specific waiting period of 24 months is applicable on specific diseases as mentioned in policy as long as insured is in his/her third year of policy without break.

  Pre-existing Diseases waiting period - Pre-existing Diseases shall not be covered until thecompletion of 36 months of continuous coverage have elapsed, since inception of the first Health Infinity Policy provided that the Pre-existing Disease is declared and/or accepted in the proposal.

• What are the Exclusions Applicable to Health Infinity Health Insurance?

  Non-Medical Exclusions

  • War or similar situations
  • Breach of Law with criminal Intent
  • Intentional self-injury or attempted suicide
  • Dangerous & hazardous activities e.g. adventure sports,
  • military or air-force operations

  Medical Exclusions

  • Illness or injury resulting from the use of alcohol, tobacco,narcotics or psychotropic substances
  • Self-detachable or removal artificial body parts
  • Treatment outside India except if opted for More Global
  • Weight controls programs
  • Correction of eye sight except to the extent covered inSpecial Treatment
  • Cosmetic, aesthetic and re-shaping treatment and surgeries
  • unless required because of Illness or Injury
  • Circumcision
  • Alternative treatments except to the extent covered in Ayush Benefit
  • Out-patient basis treatment
  • Charges of peritoneal dialysis except when administered as a follow up procedure for treatment taken under Inpatient care and or Day Care procedure
  • Unproven/Experimental treatments
  • Admission primarily for diagnostics and evaluation only
  • Any diagnostic expenses not related / not incidental to covered illness
  • Run-down condition i.e. rehabilitation, convalescence
  • Preventive care, vaccination including inoculation andimmunisations (except post-bite treatment)
  • Admission for enteral feedings and other nutritional andelectrolyte supplements
  • Hearing aids, spectacles or contact lenses except covered inSpecial Treatment
  • Any treatment related to enhancing appearance wig
  • Sleep-apnoea
  • External congenital anomaly
  • Growth hormone therapy
  • Any form of hormone replacement therapy (HRT) and oradministration of other hormonal medication
  • Venereal disease, sexually transmitted disease or Illness;
  • Pregnancy
  • Infertility
  • Birth control
  • Treatment and supplies for analysis and adjustments
  • Dental treatment
  • Non-payable items as per Annexure
  • Blacklisted or unrecognized providers
  • Treatment rendered by a Doctor outside his discipline
  • Treatment given by family member
  • Treatment not medically necessary
  • Expenses not reasonable & customary
  • Treatment or drug not supported with prescriptions

• Claim Process

  Step 1	Inform our health claims team,RCARE, of hospital admission usingthe helpline number 1800 3009 givenon your health card
  Step 2	Submit the required documents to RCARE
  Step 3	Network Hospital -RCARE will arrange for Cashless facility Non-Network Hospital -For Re-imbursement claims please follow theprocess as mentioned in our policy wordings

  
  Customer Support / Assistance Website: reliancegeneral.co.in
  Call Us at: 1800 3009 (Toll Free), 022-4890 3009 (Paid Line)
  Whats App: 74004 22200
  For Senior Citizens, Call Us at : 022-3383 4185 (paid line)