IndusInd Health Infinity (formerly Reliance General): what the wording covers
Health Infinity (UIN RELHLIP23120V042223), sold by IndusInd General (formerly Reliance General), pays up to a single private AC room, with ICU never cut in proportion. It pays 90 days before and 180 days after a stay and restores 100% of the sum insured once a year for an unrelated illness. Modern treatments are capped at 50% of the sum insured below ₹10 lakh cover. There is no cumulative bonus. Pre-existing diseases wait 36 months.
Key limits
| Item | What the wording says |
|---|
| Room | Single private AC room. A higher room means the related bill is paid in proportion. |
|---|
| ICU | Not cut in proportion in any case. |
|---|
| Modern treatments | Up to 50% of sum insured below ₹10 lakh; up to the sum insured from ₹10 lakh. |
|---|
| Road ambulance | Within the sum insured, including intercity transfers. |
|---|
| Before and after a stay | 90 days and 180 days. |
|---|
| Bonus | None. A renewal discount for sharing a health check-up is offered instead. |
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| Restore | 100% once a year, unrelated illness. Unlimited Restore is an add-on. |
|---|
Waiting periods
| Waiting period | What the wording says |
|---|
| Any illness after you first buy | 30 days. Accidents are covered from day 1. |
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| Pre-existing diseases | 36 months, or 24 or 12 with an add-on. |
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| Listed illnesses and surgeries | 24 months, or 12 with an add-on. |
|---|
Add-ons
- Maternity and newborn (3-year policies, women aged 18 to 45).
- Consumables cover, air ambulance, OPD, home care and MoreGlobal for treatment abroad.
- Voluntary co-payment or deductible for a lower premium.
Frequently asked questions
Is Reliance Health Infinity the same as IndusInd Health Infinity?
Yes. Reliance General Insurance is now IndusInd General Insurance. The wording keeps the UIN RELHLIP23120V042223.
Does Health Infinity have a no-claim bonus?
No. The wording has no cumulative bonus. It offers a renewal premium discount for sharing health check-up results instead.
Does Health Infinity cover maternity?
Only as an add-on, on 3-year policies, for women aged 18 to 45.
Compare these plans clause by clause
Where this comes from
- IndusInd Health Infinity Insurance policy wording, UIN RELHLIP23120V042223. Clauses 3.1 basic benefits incl. 3.1.2, 3.1.9, 3.1.11 Restore, 3.2.3, 3.4 optional covers, Excl01 to Excl03.
Checked against the wording on 2026-10-09.
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