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Last updated on: September 22, 2025
The Reliance Arogya Sanjeevani Plan and the Reliance Health Infinity More Cover Plan are both health insurance products, but they cater to different coverage needs. The Arogya Sanjeevani Plan is a standard, no-frills health policy mandated by IRDAI, ideal for individuals and families seeking affordable coverage for basic hospitalisation, daycare treatment, and pre/post hospitalisation expenses, with sum insured options generally up to ₹5 lakh. In contrast, the Reliance Health Infinity More Cover Plan is a comprehensive policy offering higher sum insured options, broader benefits such as maternity cover, unlimited restoration, global covers, OPD, and wellness perks. It also includes features like no-claim bonus and flexibility in choosing coverage. Ultimately, Arogya Sanjeevani is suited for cost-conscious buyers seeking basic protection, while Health Infinity More Cover is better for those desiring extensive coverage and additional features.
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The selection of the appropriate health insurance policy is vital amongst families and individuals in India, more so as there is growing concern on the dependability of healthcare and economic stability. It is difficult to choose the best medical cover, with such bests as Reliance Arogya Sanjeevani Plan and Reliance Health Infinity More Cover Plan. They are both supported by Reliance General Insurance, one of the major insurers, and present convincing advantages and coverage in 2025. But what do they compare, and which plan is more suited to your requirements?
A normal health insurance policy prescribed by IRDAI is called Reliance Arogya Sanjeevani which is aimed at offering affordable and basic hospitalisation cover to the policy holders. Its minimal design is appropriate in case of a beginner or a no-frills protection.
Reliance Health Infinity More Cover Plan on the other hand is a rich, inclusive insurance product. It seeks to offer broader coverage, greater amount of sum insured and numerous add-ons and flexibility to the contemporary families as well as individuals seeking sound protection against the escalating medical costs.
On this article, we are going to provide a comparative analysis of the two plans, their recent 2025 characteristics, strengths, and limitations, enabling you to make a prudent choice.
Expert Insight
Did you know? Health Infinity More Cover Plan added various digital health services in 2025, which will assist policyholder in controlling claim and benefit better out of telemedicine.
Q: Am I able to purchase the two policies jointly?
A: You can purchase both policies, however, benefits cannot be realized at the same cost.
Expert Insight
The Health Infinity Plan will be more applicable in line with the changing health demands because many customers in the future (2025) are seeking mental health and OPD cover.
These two plans are supported by the pan-India wide hospital network of Reliance general in which 9000 and above cashless partner hospitals would be existing in the year 2025. Both have a digital and app-based process of claims and are quicker to get approval. Both of them are similar in terms of Reach but Infinity Plan has got a few overseas healthcare partners in case the global coverage is chosen.
Q: Are both plans cashless treated all over?
A: They both have cashless at network hospitals. Health Infinity can provide broader network plus international relationships on more diverse versions.
| Parametric | Arogya Sanjeevani | Health Infinity More Cover |
|---|---|---|
| Sum Insured (2025) | Rs 1 lakh to Rs 5 lakh | Rs 5 lakh to Rs 1 crore |
| Entry Age | 18 to 65 years | 18 years and above (to 65 years) |
| Room Rent Limit | Max 2 percent SI capped | Single private or no limit |
| None Claim Bonus | 5 percent to 50 percent | 0 to 100 percent or beyond |
| AYUSH Cover | Yes | Yes |
| Pre Hospitalisation | 30 days | 60 days |
| Post Hospitalisation | 60 days | 180 days |
| Critical Illness Add on | No | Available |
| International Presence | None | Available on variants |
| Maternity Cover | No (after waiting) | Yes |
| Mental Health Cover | No | Yes |
| Premium (30 yrs, individual, SI rs 5 lakh, 2025 estimate) | Approx Rs 4100 per annum | Approx Rs 7500 and above |
Answer: Is No Claim Bonus (NCB) higher in Health Infinity?
A: Yes with Health Infinity, you can get up to twice the value of sum insured, as NCB whereas Arogya Sanjeevani is limited to 50 percent.
Pros
Cons
Pros
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Expert Insight
Did you know? The Health Infinity More cover plan can be specifically customized to suit the elderly citizens to have optional cost sharing so that premiums can be lowered, which will be the best option to go in the major Indian cities in 2025.
Q: What is better in terms of maternity benefits?
A: Health Infinity has provided maternity cover with a waiting period whereas Arogya Sanjeevani has not.
Arogya Sanjeevani policy is ideal to the new or cost-sensitive consumers who want to travel to India to have basic hospitalisation cover. Health Infinity More Cover Plan is the perfect option as it will be used by people who will want to have more coverage, customisation, global access and advanced wellness benefits in 2025. Compare according to sum insured, premium affordability and your family need or need not in the present or future.
Q1. Does the Reliance Health Infinity More cover plan go cashless at all hospitals in India?
A1. At all hospitals of Reliance network, it is cashless. The most recent list of hospitals should be consulted before admission.
Q2. Is it possible to change Arogya Sanjeevani to Health Infinity More Cover Plan in future?
A2. Yes, you can port at renewal, terms and underwriting.
Q3. What is the role of IRDAI in Arogya Sanjeevani Plan?
A3. The Arogya Sanjeevani policy features are required and standardised by the IRDAI, taking the form of uniformity and transparency.
Q4. Do both plans have any copayments?
A4. Arogya Sanjeevani can have copay that is standard in accordance with IRDAI. Health Infinity has age depending copay or certain options.
Q5. Is it covered in pre existing diseases?
A5. Yes, both plans have a time limit of waiting as indicated in the policy document.
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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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