Health Infinity Policy offers a wide range of medical coverage benefits to individuals and their families through an indemnity-based medical insurance policy. There are several sum insured options available within the policy, ranging from Rs. 3 Lakh to Rs. 1 Crore, according to the policy buyer's budget and requirements. You may choose a less sum insured amount if you already have
health insurance through your employer, such as Rs. 3 lakh or Rs. 5 lakh. Sublimits for ambulance expenses on the road are not included in the policy. A radio taxi can be used under the transport benefit to get you to the nearest hospital in an emergency. The policy covers inpatient hospitalization expenses, pre-hospitalization expenses, post-hospitalization expenses, daycare expenses, emergency ambulance expenses, organ donor expenses, and household hospitalization expenses. The company also offers several add-on insurance coverages that you can purchase voluntarily by paying an extra premium when you purchase the policy.
A child can purchase the policy between the ages of 91 days and 25 years, as well as an adult between the ages of 18 and 65. The policy covers a maximum of 8 members, including two adults and six children. Depending on your preference, you can buy a policy for a year, a year and a half, or a year and a half. In order to reduce the hassle of renewing the policy, it is recommended to buy the policy for the long term. There are waiting periods for pre-existing illnesses, specific illnesses, and the initial waiting period for the policy, which must be met before the policy coverage benefits are available.
Benefits of Reliance Health Infinity Plan
1. Expenses such as the rent for the room, the cost of the ICU, the cost of the physician's fee, the cost of nursing care, etc.During a period of more than 24 hours spent in hospital due to illness or accident.
- Less invasive robotic surgeries result in a quicker recovery time
- Future medical technology and stem cell therapy
- A refractive error exceeding diopter 14.0 requires correction of eyesight
- A monoclonal antibody such as Rituximab can be administered intra-articularly or intralesionally
- Among the supplementary medications are infliximab/trastuzumab (trade name Remicade, Rituxan, Herceptin) zoledronic acid
- In accordance with the contract, covers hospitalizations for mental illnesses, Parkinson's disease, and Alzheimer's disease under the mental healthcare act,2017
- A 50% co-payment is required
3. Expenses associated with daycare procedures completed at a hospital or daycare facility. Treatments provided in day care are covered.
4. Transportation expenses incurred to transport the insured to a nearby hospital using road ambulance service If medically necessary, transfer to another hospital in case of emergency.
5. Expenses incurred up to 500 for using the services of a radio cab operator for transportation to and from the hospital, provided that the request has been approved beforehand.
6. In the event that the sum insured is exhausted during the policy year, 100% of the sum insured will be reinstated. You can only restore future claims made by the insured person, not claims made for illnesses (and their complications) for which claims have already been paid.
7. Transplantation expenses on harvesting organs from donors.
8. Homoeopathy, Ayurveda, Unani and Siddha in-patient medical expenses.
9. Expenses incurred 90 days prior to hospitalisation are covered.
10. From the date of discharge, coverage extends for a period of 180 days for medical expenses.
Inclusions of Reliance Health Infinity Plan
There are a variety of coverage options available under the Reliance Health Infinity Insurance policy. It is possible to purchase Reliance Health Insurance as an individual policy or as a floater policy. Under the Reliance Health Infinity plan, you can avail of the following coverage inclusions:
- Intensive Care - A mental illness is covered by the plan if you are hospitalized for more than 24 hours as a result of an accident or illness. In addition to room rent, hospital bills, medicine costs, and diagnostic tests, medical expenses cover a wide range of expenses.
- Procedures for daycare - A daycare procedure or medical procedure that does not require 24-hour hospitalization is covered.
- Inpatient care at home - When a doctor recommends home treatment for a period of more than three consecutive days, the plan will cover medical expenses incurred.
- The costs associated with organ donation - Any expenses incurred by the organ donor for harvesting the organ will be covered if the insured requires an organ transplant.
- Benefits of AYUSH - Reliance General Insurance Company covers medical expenses incurred during an AYUSH treatment, such as Ayurveda, Homeopathy, or Siddha.
- Expenses related to pre-hospitalization - Pre-hospitalization medical expenses are covered for up to 90 days under the plan.
- Medical expenses incurred after hospitalization - After hospitalization, the plan covers medical expenses for 180 days.
- Benefits of transportation - The cost of transferring to and from the hospital by a radio cab is covered up to Rs 500.
- Benefits restored - The restore benefit will restore the sum insured by 100% if the claims made within a policy year have exhausted it completely. Previously unclaimed illnesses can be claimed with the restored sum insured.
- Treatments that are unique - Co-payments of 50% of the incurred medical expenses apply to special treatments like robotic surgery, stem cell therapy, oral chemotherapy, and vision corrections.
- Ambulance for emergencies - The health insurance company covers the incurred expenses for emergency ambulance transport between hospitals without any sub-limits.
Exclusions of Reliance Health Infinity Plan
Reliance Health Infinity Insurance does not cover the following expenses:
- Expenses incurred during the waiting period
- Expenses associated with rehabilitation care
- Medical procedures related to obesity or sleep apnea
- Cosmetic surgery & gender change
- Expenses incurred due to accidents caused by adventure sports or hazardous activities
- A breach of the law may result in treatment expenses
- Drug and alcohol abuse treatment
- Expenses associated with wellness or rejuvenation
- A variety of dietary supplements
- Correcting eyesight, treating dental problems, and taking hormone replacement therapy
- Without a prescription, treatments, or medicines
- Reproductive, sterile, and contraceptive medical treatments
- Expenses related to maternity and alternative treatments
- Getting circumcised
- Expenses associated with STD treatment
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