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Last updated on: August 7, 2025
The New India Assurance Floater Mediclaim Policy and Reliance Health Infinity More Cover Policy are both popular health insurance options, but they cater to different needs. The New India Assurance plan is a family floater policy covering multiple members under a single sum insured, known for its wide hospital network and trusted public sector presence. It offers standard features like in-patient treatment, pre- and post-hospitalization, and cashless claims. Reliance Health Infinity More Cover Policy, on the other hand, distinguishes itself with higher sum insured options (up to Rs. 5 crore), customizable benefits, wellness rewards, and global coverage, appealing to those seeking extensive protection and flexibility. While New India Assurance emphasizes affordability and reliability, Reliance provides advanced features for comprehensive protection. Your choice depends on whether you prioritize a tried-and-tested, affordable plan or desire broader, customizable coverage with high-value benefits.
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It is always difficult to select a health insurance plan in India. So many so-called reputed providers, exclusive benefits, and the fineprints can make it hard to find the one that suits your family budget and health. The New India Assurance Floater Mediclaim Policy and the Reliance Health Infinity More Cover Policy are two products that have gained popularity in 2025 and offer wide coverage to families at competitive rates.
This article provides a detailed comparison of these two policies in a clear way. We evaluate their features, claim procedures, cashless hospital listings, waiting time, add-ons and friendly services to enable you make an informed choice in 2025.
New India Assurance Floater Mediclaim Policy is an all inclusive family floater policy. It enjoys popularity with the Indian households due to its sound claim settlement and network access to hospitals.
Did you know? The claim settlement ratio is rapid in New India Assurance Floater Mediclaim which is one of the Indian government insurance firms.
Reliance Health Infinity More Cover Policy has been characterized by flexibility, an increased sum insured limit, and other innovative services including global cover options.
| Feature | New India Assurance Floater Mediclaim | Reliance Health Infinity More cover |
|---|---|---|
| Sum insured options | [?]2 Lakhs - [?]50 Lakhs | [?]5 Lakhs - [?]5 Crores |
| Maximum number of family members | 6 (2 adults, 4 children) | 8 (Includes parents/ in-laws) |
| Renewal Age | Lifelong | Lifelong. |
| Waiting period | 30 days (general); 2 yrs (diseases) | 30 days (general); 2 to 4 yrs (diseases/add-ons). |
| No Claim Bonus | 25 to 100% per year | 20 to 100 stay active rewards. |
| Room Rent Limit | Up to 1 percent of SI | None of the sub-limits on rent (including lowest variant) |
| Restoration Benefit | 100% one time annually in a policy | Unlimited (at optional) |
| Cashless Hospitals | 5000+ | 8700+ |
| Pre/Post Hospitalisation | 30/60 days | 60/90 days (top plan version) |
| Maternity Cover | Add-on | Add-on |
| Ambulance Cover | Until [?]2000 per hospitalisation | Until [?]3000 per hospitalisation |
| OPD Coverage | No | Yes, as add-on |
| Global Coverage | No | Yes, as add-on (planned/emergency) |
Expert Analysis: When you like large sum insured, no limit world treatment cover and wellness benefits, Reliance Health Infinity More Cover Policy beats New India in 2025 traditional floater mediclaim.
Q: Is mediclaim policy of floater policy appropriate to large Indian families?
A: Yes, both New India Assurance and Reliance Health Infinity have floater plans, which include 6-8 family members on a single sum insured.
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Due to the continuous increase in medical inflation in India and even in other countries, the sum insured, network hospitals, and speed of claim settlement can play a significant role.
Nuclear families: In nuclear families, children have far fewer requirements than those in extended families.<|human|>In nuclear families: In nuclear families, the number of requirements of children are much lower than in extended families.
New India Assurance Floater Mediclaim Policy is a viable plan with average premiums and a reliable service. But above [?]50 lakh sum insured is not provided.
In families that are large or multi-generational:
Reliance Health Infinity More Cover Policy is more flexible, more inclusive, and suitable to the high-net-worth population or people with international travel or medical needs.
Case Study:
Veena is a 38-year-old IT professional in Bengaluru that wanted to cover herself, her husband, children and the parents. Her family health history and increasing hospitalisation costs required a [?]1 crore sum to be insured. Comparing New India policy online, she discovered that the amount insured and parent in law coverage she desired were not provided by New India, but premium was cheaper. Health Infinity offered by Reliance with more cover and global add-on was approximately 14 percent higher, however, it met all her requirement, such as international cover and OPD cover.
Q: Is it possible to purchase health insurance online parents over 60 years?
A: Yes, with both of these policies you can include parents to a total of 65 years entry and renew life, subject to medical underwriting.
Hustle free and speedy settlement of claims is paramount in relation to health insurance. In 2025, both policies have committed to digital solutions:
Did You Know? The cooperation of Reliance General with the leading digital payment banks in 2025 has enhanced the delivery of payouts in real time as a result of settled reimbursements.
High-quality and extensive network of cashless hospitals reduces your out-of-pocket.
Trust in the sector of the public, approximately 5000 network hospitals, such as the largest private chains and the state hospitals. Nationwide in Tier 2 and Tier 3 cities.
More than 8700 hospitals are being added on a quarterly basis and there are also international specialized hospitals to add on to global treatment.
Q: How do I compare features and the prices of policy premiums online prior to purchase?
A: Compare policy cover, inclusions, waiting periods and premium quotations of both New India Assurance and Reliance plans by using credible insurance marketplaces.
Waiting period is the time within which no claims are paid other than accidents.
Definition:
Pre-existing disease refers to any disease that the insured had in a 48 months period before the policy was purchased.
The birth of a baby and maternity services are becoming expensive health costs to the urban Indian family.
Hide Tip Factor maternity waiting periods and inclusions in case you are newly married or you are planning a family within the next three years.
Q: Do family floater policies offer pregnancy cover and cover of the newborns?
A: They are normally offered as add-ons rather than in-premises. The waiting period and sub-limits should always be checked.
Wellness services and preventive care is a developing trend in Indian health insurance.
Simple preventive health check-ups that are limited. No special wellness rewards.
Additional benefits such as discounts on walkathons, free health check annually, automatic bonus on renewal due to healthy status and full OPD cover as an add-on.
Optical, dental, specialist visit covered by OPD rider.
Exclusive international coverage, such as additional emergency treatment abroad as More Cover add-on. Good in case of NRIs or individuals who travel to other countries often, at a higher premium.
India-only based hospital network, does not have global coverage.
This process is made easy when products on online insurance market sites are compared, particularly in the case of worldwide covers or where you have particular preferences of hospitals in various cities.
New India Assurance Floater Mediclaim Policy: Reliable, easy, cheap, most suitable in Indian sector of reliability, average sum cover, simple preventive cover.
Reliance Health Infinity More Cover Policy: Adaptable, high sum insured (up to [?]5 crore), international covers, high-quality wellness and online benefits, suits bigger and intricate family needs.
Before purchasing, use online insurance companies to compare premium quotations, features, network hospitals, add-ons, and claim options that are updated in 2025.
Q: Will I be able to port my current health insurance policy to either of these without forfeiting any benefits?
A: It is permitted to be portable according to the IRDAI requirements. The porting advantages such aspre-existing disease waiting periods will be transferred over, subject to underwriting.
Q: Do long-term renewal or online purchase of these plans have any discounts in 2025?
A: Yes. The two providers tend to give discounts of between 5 to 10 percent when purchasing two or three-year policies and the maximum of 10 percent when purchasing through the respective websites.
Q: Is COVID-19 hospitalisation and subsequent pandemics to be covered under both insurers?
A: According to the IRDAI requirements of 2025, both should include COVID-19 and notified pandemics in future including policy sub-limits and conditions.
Q: What is the superior plan when dealing with critical illness cover?
A: Reliance Health Infinity has also committed critical illness add-ons lump sum benefit, which would be beneficial compared to that of New India.
Examining every important detail, including benefits, exclusions, digital services, sum insured, cashless reach and cost, Indian families in 2025 will be able to select the policy that best fits their health objectives and budget, which will make insurance a worthwhile peace-of-mind investment.
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Written by Prem Anand, a content writer with over 10+ years of experience in the Banking, Financial Services, and Insurance sectors.
Prem Anand is a seasoned content writer with over 10+ years of experience in the Banking, Financial Services, and Insurance sectors. He has a strong command of industry-specific language and compliance regulations. He specializes in writing insightful blog posts, detailed articles, and content that educates and engages the Indian audience.
The content is prepared by thoroughly researching multiple trustworthy sources such as official websites, financial portals, customer reviews, policy documents and IRDAI guidelines. The goal is to bring accurate and reader-friendly insights.
This content is created to help readers make informed decisions. It aims to simplify complex insurance and finance topics so that you can understand your options clearly and take the right steps with confidence. Every article is written keeping transparency, clarity, and trust in mind.
Based on Google's Helpful Content System, this article emphasizes user value, transparency, and accuracy. It incorporates principles of E-E-A-T (Experience, Expertise, Authoritativeness, Trustworthiness).
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