Reliance Health Infinity More Time Plan vs Oriental Youth Eco Basic Plan: Full Guide 2025

The health insurance business in India has increased at a very high rate and certain products are now customized to meet the lifestyle and affordability of the young adults. The two most popular products in 2025 are the Oriental Youth Eco Basic Plan and the Reliance Health Infinity More Time Plan that are promoted as standout products in 2025. They all have a different audience-students, first-jobbers and young adults, but offer modern features more than simple hospitalisation cover.

The selection of an ideal health insurance is a significant financial choice. This all inclusive guide compares the Oriental Youth Eco basic Plan and Reliance Health Infinity More Time Plan with a main focus on the features, benefits, prices, claim procedure, special options and to whom they best suit. It is done to make an informed choice, one that will fit your health needs and your wallet.

What is the OYE Basic Plan?

The Oriental Youth Eco Basic Plan is tailored to Indians between the age of 18 and 35, which provides a low-cost health insurance to young people with lower incomes. It introduces digital-first enrolment, expedient claims, and documentation that is green. Oriental Insurance Company has designed this plan to students, young professionals and first-time policy buyers, particularly students who are new to health cover.

Important Properties of the Eco Basic Plan of Oriental Youth

• Qualification: 18-35 years; the qualification can be extended to 40 years on a renewable basis.
• To be covered: Rs 2 lakh to 10 lakh sum insured.
• Cashless Treatment: It can be found in large hospitals around the country.

Inclusions:

• In-patient hospitalisation
• Day-care procedures
• Pre and post hospitalisation (30 and 60 days)
• AYUSH treatments
• Mental health benefits
• Rewards on healthy habits (tracing app)
• No-claim bonus as much as 100 percent of sum insured.

Exclusions:

• Pre existing conditions (after 24 months)
• Plastic surgery, lifestyle or adventure sports exclusions.

Real World Example
After receiving her first job, Ritu, a 28-year-old IT engineer chose the Oriental Youth Eco Basic Plan in 2025. The expedited claims procedure offered her a benefit and the wellness apps rewarded her frequent visits to the gym, which lowered her renewal fees.

Expert Insight
Youth-constructed eco plans extend beyond affordability they incentivize healthier living and provide mental health insurance, which can speak to Gen Z and Millennials. Dr. Seema Bhatt, Health Insurance Advisor.

What is the Reliance Health Infinity More Time Plan?

The Reliance Health Infinity More Time Plan is a flexible product, which is concerned with time-based and long-term value. It is designed to target working professionals and families (18 to 60 years) and offers flexible policy term. This plan has outstanding characteristics such as more time option, two times sum insured and comprehensive outpatient service that is not common in youth-only policies.

Some of the Reliance Health Infinity More Time Plan Features

• Eligibility: 18-60 years; is able to cover family and self.
• Coverage: 3 Lakh to 1 Crore sum insured.
• Policy Term: 1, 2 or 3 years additional savings.
• Cashless Hospitalisation: Network hospitals: More than 8,000.

Unique Inclusions:

• Double repair of sum insured (where basic sum is used up).
• Outpatient benefits: doctor visit, pharmaceutical, diagnostic tests.
• More Time Option: include carry-forward of unused amount to the following year.
• Coverage of some critical diseases across the world.
• Newborn and maternity coverage (following 2 waiting years)

Wellness Benefits:

• Annual medical examinations of all the members who are insured.
• Health rewards and on-line savings.

Real World Story
A married couple in Mumbai by the name Amit and Priya decided to choose the Reliance Health Infinity More Time Plan within a 3 years period. Amit made use of outpatient benefits to carry out routine checkups and Priya favoured maternity benefits that were not available on other youth plans.

Did You Know?
The IRDAI data indicate that OPD (outpatient department) is a 20 percent claims in all the claims done by the Indians who fall between the age group of 23 to 35 in 2024 and this indicates the importance of OPD coverage in youth and family health insurance.

Comparison Table: Oriental Youth Eco Basic Plan vs Reliance Health Infinity More Time Plan

Which one of the Plans is More Beneficial to Young people?

Advantages and disadvantages: Oriental Youth Eco Basic Plan

Pros:

• Cheap to students, freshers and less-earning people.
• No-claim bonus is greater than most of the plans.
• Mental health benefits are inbuilt.
• The engagement of digital wellness reduces premiums.

Cons:

• Family floater is not included.
• None of OPD and maternity.
• Small maximum sum covered (not more than 10 lakh).
• Only annual term renewal.

The Advantages and Disadvantages Reliance Health Infinity More Time Plan

Pros:

• Increased coverage (to Rs 1 crore) with an increase in incomes.
• Family floater and long policy conditions are convenient and economical.
• OPD, wellness, global care- has more real life situations.
• Competitive maternity and newborn cover.
• Large claims do not force restoration benefit to stop protection.

Cons:

• The premiums are more so on the best coverage and long term.
• Waiting period of pre-existing diseases is more than three years.
• Certain wellness benefits need to be utilized through the use of an app or a health check.

People Also Ask

Q: Which is better one year health plan or multi-year health plan when a young professional in India?
A: Multi-year options are less expensive in total and provide you with a longer time of coverage since you do not have to renew the option annually.

Attributes of the Most Significance among Indian Youth and Young Families

Mental Health Coverage

Increasing stress levels in Gen z and Millennials caused IRDAI to instruct all insurers to provide mental health benefits as an extension of health plans. The difference between Oriental Youth Eco Basic Plan and other plans (such as Reliance Infinity) is that these benefits are capped or only used in hospitalisation and not in outpatient counselling or therapy.

Wellness and Rewards

Further claims are provided in modern insurance to promote healthy living. The plan of Oriental provides gym and yoga and wellness app services with discounts and with points that can directly save the renewal cost- a massive attraction among digitally minded young Indians. Reliance also offers discounts, but connects them primarily to renewal or other health check milestones.

Outpatient (OPD) and Prevention Care

According to industry studies, young people living in metropolitan areas incur higher expenditure on outpatient health (visiting a doctor, purchasing medicines, preventive health check-ups) than on hospitalisation because of urban living. These routine costs are only covered by the Reliance Health Infinity More Time Plan on day one, which is an advantage to the people in need of medications, mental health care or chronic disease monitoring.

Expert Insight
67.5% of adults between 25-40 years old in India visit GPs four times a year. Cashless plans that include OPD coverage are real savings, particularly to the individuals with recurrent or preventive needs. Dr. Vijay Suri, Public Health Expert.

Is there a Portability or Renewability Problem?

The youths tend to migrate either to study or to work. The Oriental Youth Eco Basic and Reliance Health Infinity are both nation-wide portable and renewable, so that you will not lose out on the benefits once you change location between Pune and Hyderabad or Delhi and Bengaluru.

Oriental however limits the portability on an individual youth Eco policy only whereas Reliance permits transition to the family floaters or higher cover in case of transition in your life stage.

Claims, Digital Services and Customer Experience

Both companies offer paperless claims in apps or websites, AI-based claim tracking, and support by the helpline. The quickest plan that Oriental uses is the eco plan, which is suitable when the user has small claims and is busy or digital-native. Reliance however is larger in terms of their network of hospitals, and they offer pre-authorisation of key procedures, something you would require should you require planned surgery, in particular, beyond the major cities within the metro.

Real Life Illustration
Sunil is 33 years old who left Delhi and went to Chennai. He amended the address on his plan Reliance without difficulty, and made use of their cashless tie-up without any trouble on a regular check-up.

Did You Know?
According to the IRDAI report of 2024, insurers that used apps to settle claims saw youth-focused policies settle claims 25 percent faster than when using the traditional paper form.

What Health Insurance Plan do you recommend to buy in 2025?

Select Oriental Youth Eco Basic Plan when:

• You are a freshman, student or earn less than Rs 6 lakh in a year.
• You desire low-cost, personal insurance including mental health and wellness benefits.
• You do not have any need of maternity or family floater benefits.
• You are interested in fast, low-value settlement of claims.

Select Reliance Health Infinity More Time plan when:

• You are a young married couple or a working professional and have a family starting.
• You desire up to 1 crore of coverage and family floater.
• OPD, preventative, maternity and annual check-up benefits are important to you.
• You can afford to buy a higher price of two-fold restoration and a high level of features.

Where to Compare and Buy?

You can compare plans, pricing, benefits, inclusions, exclusions, and even narrow the plans down to your city, age and lifestyle requirements using online marketplaces and aggregator sites. It is easy to shortlist and select. Upon comparing different brands, you can buy the policies immediately after you do it online.

Quick Recap (TL;DR)

• Oriental Youth Eco Basic Plan: Ideal health cover: simple and affordable cover with mental health and wellness benefits to young people. Reduced amount insured, no family floater or OPD cover.
• Reliance Health Infinity More Time Plan: Higher sum insured, flexible, multi year term, family floater, OPD, maternity, global care. Its premiums are more expensive, yet it covers a greater number of situations.

Take into account your present level of life, health requirements, and probable costs- particularly, mental health and OPD prior to selection.

People Also Ask (FAQ)

Q: Which is cheaper to a 25 year old single working in Bengaluru?
A: The Oriental Youth Eco Basic Plan tends to be cheaper to the individual young and the annual premiums tend to be roughly around 3200 rupees to cover 5 lakh.

Q: Does any plan provide indefinite restoration of the amount insured?
A: Reliance health Infinity is providing double restoration per year, however, not indefinitely. This will suffice to most young adults except when there are several huge claims within one year.

Q: Can Oriental Youth Eco Basic family floater be upgraded?
A: No, this is a plan designed exclusively. In case of family coverage, Reliance or migrate later depending on any change in your needs.

Q: What is the comparative positioning of policies by platforms?
A: Aggregator websites allow you to enter your information, shop plans by price, coverage, exclusions, and hospital network and instantaneously purchase an appropriate policy.

Q: Does any coverage of pre-existing diseases on day one?
A: No. Both plans require a waiting period-24 months in the case of Oriental and 36 months in the case of Reliance to cover pre existing conditions.

Sources:

• Official Webpages of Oriental Health Insurance.