🚀 Fincover® App is Now Live!
Join 10 Million+ users on web – now available on mobile!
Last updated on: August 7, 2025
The New India Assurance Floater Mediclaim Policy and Reliance Health Infinity More Global Policy cater to different healthcare needs. New India’s Floater Mediclaim provides comprehensive coverage for families under a single sum insured, offering features like cashless treatment across a wide hospital network in India and options for critical illness and maternity covers. In contrast, Reliance Health Infinity More Global Policy stands out for its global coverage, higher sum insured options, international hospitalization benefits, and unique add-ons like unlimited reinstatement and OPD coverage. While New India is ideal for those seeking reliable, affordable domestic family health protection, Reliance Health Infinity is better suited for policyholders desiring expansive international coverage and enhanced policy flexibility. Choosing between them depends on budget, geographic healthcare requirements, and desired policy features.
Author
Read Bio
Reviewed by
Read Bio
As the medical expenses are continually rising, it is important that Indian families select the appropriate health insurance. NIA Floater Mediclaim Policy and Reliance Health Infinity More Global Policy are two well-known health insurance products to be mentioned in 2025. Families prefer both because they have a broad coverage, however their features, claim process, international coverage and premiums are vastly different.
The present article provides a comprehensive, short to long comparison of those two mediclaim policies, their advantages and disadvantages, peculiarities, as well as their recent changes in customers. We will leave you with clear, practical answers that will enable you to confidently pick a health policy that would best meet your needs in 2025.
The New India Assurance Company Limited, a state-owned health insurance company, is the insurer of New India Assurance Floater Mediclaim that is an insurance plan covering families. This policy will encompass any family members that have one sum insured. It is famous in terms of high reliability, hospitalization without cash usage, and easy settlement of claims.
Did you know? New India Assurance being a state owned company registered more than 95 percent claim settlement ratio in FY2024 assuring families on the genuineness of claims.
Reliance General insurance offers Reliance Health Infinity More Global Policy which is its leading product. It is promoted as an extensive health scheme that has global coverage to serve the Indian policyholders travelling to other countries or in need of global health cover.
Expert Insight: The increasing cases of foreign travel and medical tourism have seen increased participation of Indian households in such plans as global covers such as Reliance Health Infinity More Global.
| Characteristic | Reliance Health Infinity More Global Policy feature | New India Floater Mediclaim |
|---|---|---|
| Launch Year (Last Update) | Latest revision as at 2025 | Revised as at 2025 |
| Sum Insured (INR) | 5 lakh - 5 crore | 2 lakh - 15 lakh |
| The age of eligibility | 3 months - 65 years | 90 days - 65 years |
| Family Coverage | Up to 8 members | Up to 6 members |
| Global Hospitalization cover | Yes | No |
| Waiting Period of pre-existing Disease | 3 years | 4 years |
| No Claim Bonus (NCB) | Maximum of 100 percent | Maximum of 25%/year |
| Room Rent Limit | A single private room | 1% per day |
| Daycare Procedures | 500+ | 140+ |
| Indian Cashless Network Hospitals | 7,000+ | 5,500+ |
| Maternity Benefit | Optional | No |
| Health Check-up | Annual | Yes (4 claim-free yrs) |
| International Coverage | Yes | No |
| Premium (Indicative for Family, 2A + 2C, SI 10L, 2025) | Rs 30,000 approx. | Rs 18,000 approx. |
At a glance, it is clear that Reliance Health Infinity More Global has greater benefits such as international coverage and higher sum insured whereas New India Floater Mediclaim is more relied on due to its simple and cheaper nature.
This policy is the choice of a lot of families, particularly families with limited needs or elderly citizens because:
People Also Ask: Does New India Assurance Floater Mediclaim Work Well with Senior Citizens?
Yes, this affordable premiums with a trusted claim process is a decent option to the families with older parents. Nevertheless, the coverage amount can be a constraint to the increasing medical inflation.
Did you know? In 2025, New India Assurance has enhanced its online claim registration and online policy management whereby users can monitor or make claims via their mobile phones.
This policy is ideal for:
Case Study 1: Aggarwal family, Delhi (Family, 2 Adults + 2 Children)
Parents are employed both and take work-related and family travel internationally annually.
They choose Reliance Health Infinity More Global Policy (Sum Insured Rs 50 lakh).
Daughter becomes ill on a school visit to Singapore; a hospitalization with no cash is easily addressed by the global helpline of Reliance.
Case Study 2: Iyer Family in Madurai (Family, 2 Senior Citizens + 1 Dependent)
Low income, not often travel beyond state.
Select New India Assurance Floater Mediclaim Policy (Sum Insured 5 lakh).
Good with routine check-ups, minor surgery and emergency hospitalization in the local network hospitals.
The question that people also ask is: Do I really need global health insurance when I will travel abroad once a year?
Experts say that it is only worth buying plans with international coverage such as Reliance Health Infinity More Global when you or your family members travel a lot abroad, otherwise a solid domestic policy will suffice.
| Feature/Benefit | New India Assurance Floater Mediclaim | Reliance Health Infinity More Global |
|---|---|---|
| Best in the low-end segment | Families on a budget, Indian residents | Regular travelers, HNI customers, global expats |
| Annual Premium (2025, 2A+2C) | Rs 11,000 - 18,000 | Rs 21,000 - 34,000 - 240,480 = 264,500 |
| Coverage (India/Global) | India only | International and abroad |
| Advanced Add-ons (Maternity/OPD) | Not available | Available as riders |
| Claim Process | Well-rated IRDA, offline and online | All-digital, 24x7 global claim set-up |
| Family Type Permitted | Up to 6 (2 adults + 4 children/parents) | Up to 8 (flexible relations) |
| Critical illness/Transplants | Limited coverage | Comprehensive coverage |
Premiums can change according to the age, sum insured, location and policy options.
Did you know? By 2025, over 30 percent of consumers are going to prefer online marketplaces, where they can not only compare health policies but also check premiums, features and the reviews of companies in a single place to make a purchase.
| Policy | Pros | Cons |
|---|---|---|
| New India Assurance Floater Mediclaim | Cheap, reliable, hassle-free claims, wide network in India | Less sum insured, no international cover, longer wait times |
| Reliance Health Infinity More Global Policy | Global coverage, high sum insured, value add-ons, digital | Higher premium, intricate format, potential pre-auth to use globally |
New India Assurance:
Reliance Health Infinity More Global:
The IRDAI regulations have introduced transparency, online claims, and immediate cashless hospitalization as the industry standards in the year 2025. In the meantime, international policies are more demanded because of the rise in student migration, work travel and medical tourism.
New consumer trends: There is an increasing trend of policy comparison online through non-partisan aggregators. Consumers are now investigating claim ratios, peer reviews and features that are practical to their stage in life and not just by agents.
Expert opinion: Indian NRIs purchase such worldwide health plans in bulk to make sure that family back home and themselves abroad are kept under the same roof.
What policy does more good to a family of four who are in India?
New India Assurance Floater Mediclaim is a viable option in the event that your family members are not frequently traveling outside the country and premium is one of the concern. In case of world requirements, choose Reliance Health Infinity More Global.
Is it possible to increase my sum insured upon purchase of the New India Assurance policy?
Yes, sum insured can be increased during the renewal, but can be subject to new underwriting and increase amount waiting period.
Which kind of claims are resolved in cashless under these policies?
Both provide the cashless payment of hospitalization and daycare in network hospitals. Reliance also gives cashless foreign hospitalization of listed or tie-up hospitals.
How do I account latest policy features and contrast quotes?
Consider before choosing by using reputable and independent online websites on policy comparison, which show the latest features, premiums, page brochures, and confirmed customer reviews.
Is Reliance Health Infinity More Global Policy inclusive of mental health treatments?
Yes, according to recent IRDAI regulations, as of now, the modern policies such as Reliance Health Infinity More Global cover mental health, such as therapy and teleconsultation support as a part of wellness.
Is New India Assurance Floater Mediclaim cashless facility common or not?
It is admitted in over 5500 hospitals in the big cities and towns of India.
How could we improve this article?
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).
Loved by 1M+ users (web). Start your financial journey today!
