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Last updated on: August 7, 2025
When comparing New India Assurance Floater Mediclaim Policy and Reliance Health Infinity More Time Policy, key differences lie in coverage flexibility, features, and added benefits. New India Floater Mediclaim offers comprehensive hospitalization cover for families under a single sum insured, with affordable premiums and standard add-ons like maternity and floater benefits. In contrast, Reliance Health Infinity More Time Policy stands out for its extended policy durations (e.g., 13–15 months) allowing coverage beyond the standard 1-year cycle, and additional advantages such as automatic sum insured restoration, international cover, and wellness rewards. While New India’s plan suits families seeking reliable, basic coverage at an economical rate, Reliance Health Infinity More Time is ideal for those wanting broader, customizable features and longer coverage periods. Ultimately, choice depends on your preference for basic family cover versus innovative features and extended policy terms.
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The health insurance market in India is evolving at a high-paced rate in 2025 and there are new plans and new features that have increased the choice of customers. Two best policies in comparison of the highest alternatives in family health insurance cover are New India Assurance Floater Mediclaim Policy and Reliance health Infinity More Time Policy. The choice of the correct one can not only influence your budget, but also the well-being of your family.
It is worth knowing what each policy provides before you make a decision.
New India Assurance Floater Mediclaim Policy: A well developed family floater policy that offers to cover all members under a single sum insured, driven by one of the oldest general insurers in India, New India Assurance.
Reliance Health Infinity More Time Policy: This is Reliance General Insurance recently launched new age, flexible plan, which is distinguished by additional features and extra benefits such as More Time which can enhance your coverage period even more than traditional plans.
Pros
Cons
Pros
Cons
The largest contrast: New India is a changeover, trusting policy with great fundamentals and a solid track record whereas Reliance Infinity More Time is a contemporary, customary policy with versatility and extended duration. Reliance provides emergency protection and alternatives such as wellness covers to international and New India also provides simple, trusted family protection in India.
Did you know? The annual survey of IRDAI (2024) reveals that the number of Indian families who prefer floater health insurance plans has surged to more than 58 percent because of affordability and flexibility in cover.
| Characteristics | New India Floater Mediclaim | Reliance Health Infinity More Time |
|---|---|---|
| Type of policy | Family floater | Family floater (customizable) |
| Sum insured (2025) | Rs 2 lakh to 15 lakh | Rs 5 lakh to 3 crore |
| Policy Period | 1, 2, or 3 years | 1, 2, or 3 years (More Time) |
| Capping rent on room rent | No over 1 percent of sum insured | No limit (on greater plans) |
| Waiting period pre-existing disease | 2 to 4 years | 3 years (add-on can be reduced) |
| Maternity cover | Optional add-on | Add-on selected (select plans) |
| Wellness and OPD benefits | Limited | Yes (with select addons) |
| Globally emergency | No | Yes (select variants) |
| Claim process | Partially digitized | Fully digitized |
| Daily cash in the hospital | Yes | Yes (add-on) |
| Annual check ups | Within 4 years free of claims | Annual, select plans |
| Restoration / recharge of sum insured | Yes (on exhaustion) | Yes |
| Entry age (adults) | 18 to 65 | 18 to 65 |
| Portability | Yes | Yes |
The correct policy is based on your way of living, budget and long-term requirements.
In 2025, the Sharma family, which has two working parents and one child, compared both policies on an online insurance market. Their emphasis was on coverage across the world and a hassle free three years tenure as they traveled businesswise a lot. They selected Reliance Health Infinity More Time, which was enticed by the larger sum to be insured and More Time offering.
Their neighbours the Mishras on the other hand were focused on value-money and national coverage. They have chosen New India Assurance Floater Mediclaim because of the premium price and the established procedure of claims.
People also query: Can I port New India Assurance (policy) to Reliance Infinity More Time policy?
Yes, you have the option of porting your policy at renewal according to the IRDAI guidelines, but you must give notice to your insurer 45 days to expiry.
Professional opinion: Floater schemes such as Reliance Health Infinity More Time and New India Mediclaim are still the ones that fill in the gap between affordability and high-tech coverage. Consider not only premium amount but side charges and policy benefits prior to purchasing health insurance, says health insurance advisor Jayant V. of Navi Mumbai.
| Factor | New India Floater Mediclaim | Reliance Health Infinity More Time |
|---|---|---|
| Basic coverage | Lower, but features wide | Higher, but features wide |
| Flexibility | Moderate | High |
| Global Coverage | No | Yes (With optional variants) |
| Digital Advantages | Minor | Wide-ranging |
| Claim Process | Modern and fast | Reliable |
Did You Know? In 2024, the gross direct premiums in health insurance in India were more than 80,000 crore representing an increasing trust levels in mediclaim and family floater policies [IRDAI 2024].
More Time is also a question that people have: What is More Time benefit in Reliance Health Infinity?
More Time: purchase a long-term policy (up to 3 years) now and lock in your current health premium rates, skip the hassles of annual renewals, and benefit with all the benefits of the policy forever.
Professional Advice: Financial planners say that longer-term plans not only reduce renewal costs, but individuals can also use it to handle the inflation of premiums in the rapidly evolving healthcare sector in India.
Online insurance marketplaces of 2025 will allow you to instantly compare mediclaim policies such as New India Assurance Floater and Reliance Health Infinity More Time against each other. When you compare quotes of major health insurers, you will have a transparency on the premiums, features, sum insured and exclusions. Do not forget to make comparisons on IRDAI recognised platforms to make unbiased choices when choosing your own policy.
Select New India Floater Mediclaim when:
Select Reliance Health Infinity More Time when:
Q: Which costs less between New India Assurance Floater Mediclaim and Reliance Health Infinity More Time Policy?
A: New India Assurance is cheaper in general, and it is mostly suitable to families with moderate needs. The coverage of Reliance Health Infinity is more extensive, which results in a greater premium.
Q: In both can I be covered on both maternity and newborn costs?
A: Yes, but both can be covered by maternity cover which is subject to waiting.
Q: Do both have digital claim submissions?
A: Digital claim facilities are partially offered to New India Assurance but are more developed and convenient in Reliance Health Infinity More Time Policy.
Q: What about tax benefits?
A: Premiums made on both plans are deductible in section 80D of the income tax act.
Q: Is critical illness cover an included standard?
A: No, it is an optional extra in the two.
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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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