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Last updated on: September 22, 2025
The Reliance Arogya Sanjeevani Plan and Reliance Health Infinity More Time Plan are health insurance policies catering to differing needs. The Arogya Sanjeevani Plan is an affordable, standardized policy with sums insured from ₹1 lakh to ₹5 lakh, basic coverage for hospitalization, AYUSH, and specific day-care procedures—ideal for first-time buyers or those seeking essential protection. In contrast, the Health Infinity More Time Plan offers broader benefits such as higher sum insured options, unlimited restoration, maternity cover, OPD benefits, global coverage, and enhanced duration choices that provide free extra coverage months for long-term policies, appealing to those seeking comprehensive and flexible protection. Choosing between them depends on your budget, required coverage, and preference for basic or extensive benefits.
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The choice of the most suitable health insurance policy is an issue that every Indian family should undertake nowadays, particularly given the fact that the cost of healthcare in 2025 is steadily increasing. The Reliance Arogya sanjeevani plan and Reliance Health Infinity more time plan are some of the most renowned health insurance covers provided by Reliance general insurance. The two health policies are meticulously designed to satisfy various needs, different budgets and expectations and thus, a thorough comparison can enable one make an informed decision depending on his or her priorities.
This detailed comparison paper will assist you in knowing the principal highlights, coverage plans, benefits, limitations and in what ways both plans are suitable. You can be a first-time insurance purchaser or need to renew your current health cover and this guide will cover all the key factors - so that you can be assured of purchasing an effective plan that serves your family best in 2025.
Reliance Arogya Sanjeevani Plan is the conventional health insurance policy which is formulated based on the IRDAI guidelines. It is targeted to offer simple and inexpensive health insurance to individuals and families in India. This is a plan that was introduced to make the process of acquiring health insurance simple and that takes the same format of sum insured, inclusions, and exclusions.
Pros
Cons
Did you know? Over 12 lakh Indians have chosen the Arogya Sanjeevani Plan in 2024, primarily due to its simplicity and the IRDAI controlled format.
Reliance Health Infinity More Time Plan is a more rich and customizable plan intended to the people who require more coverage and exclusive perks to fit the contemporary health demands of 2025. The plan is applicable to individuals, couples and families who would want extensive coverage not only with the new-age treatment and wellness benefits but also with the global care.
Pros
Cons
Professionals Advice: Health planners in 2025 suggest at least Rs 10 lakh sum insured in Indian families in metros since medical inflation is nearly 12 per cent every year.
It is easier to compare when we tabulate the advantages of this or that plan and concentrate on the needs of Indian policyholders in 2025:
| Feature | Arogya Sanjeevani Plan | Health Infinity More Time Plan |
|---|---|---|
| Sum Insured | 1 lakh - 5 lakh | 5 lakh - 5 crore |
| Room Rent Limit | 2 percent of SI | No limit, to private single AC |
| Pre Hospitalization Days | 30 days | 90 days |
| Post Hospitalization Days | 60 days | 180 days |
| AYUSH Treatment | Yes | Yes (Higher SI Limits) |
| New Treatments | Yes (Limited) | Yes (Wider Coverage) |
| Day Care Procedures | Yes (All according to list) | All day care procedures |
| Maternity/Newborn Cover | No | Yes (Optional add on) |
| Restoration Benefit | No | Unlimited (variant based) |
| Wellness Rewards/OPD | No | Yes |
| Premiums (30 years old, SI 5 lakh) | Approx 5,500 | Approx 9,500 |
According to Reliance G2025 rates of sample (subject to change based on age, city and plan type).
Q. Which is the superior plan concerning the case of senior citizens?
A. Arogya Sanjeevani is enough and affordable among those who require simple cover of the hospital. In case senior citizens need a larger amount of sum insured and additional options, such as global care or OPD, then Health Infinity More Time is more appropriate.
Did you know? According to the recent IRDAI data, more than 80 percent of buyers of 2025 health insurance in cities such as Mumbai and Delhi are now going to buy insurance with a sum insured of above Rs 10 lakh.
The reputation of the health plan in terms of claim settlement is as good as the health plan itself. Based on the latest annual statistics and consumer satisfaction of IRDAI in 2025:
Q. Will any of these Reliance plans port my existing health plan?
A. Yes, both Arogya Sanjeevani and Health Infinity More Time Plan are in support of seamless portability according to the regulation of IRDAI, under the condition of underwriting.
The two policies do not cover any self inflicted injuries, cosmetic surgery (except where medically necessary), infertility, and war related injuries.
Health Infinity Plan is less restrictive and broad in additional coverage of modern treatments.
Professional wisdom: It is always advisable to verify the real sub limit provisions and waiting periods on your policy schedule. It is only when a claim is filed that many people understand the significance.
In comparison of the premiums, it should be kept in mind that an increase in cover and benefits will automatically increase the cost. The difference in prices though should be countered by risks and inflation in the future of medical cost.
| Coverage Sample | 30 years old, SI 5 lakh | 40 years old, SI 10 lakh | 50 years old, SI 20 lakh |
|---|---|---|---|
| Arogya Sanjeevani | Rs 5,500 | Rs 7,300 | Rs 14,200 |
| Health Infinity More Time | Rs 9,500 | Rs 13,800 | Rs 26,900 |
The indicative rates will be the policy rates and the actual premium rates will be based on age, city, type of coverage and preexisting conditions.
Q. Is there a discount on long term policy or family coverage by Reliance?
A. Yes both plans tend to provide discounts in covering more than one family member and on the tenure of 2 or 3 years.
Did you know? According to 2025 customer behavior research, more than 65 percent of Reliance Health plans are bought or renewed online now.
Q. What are the documents I should purchase these health plans?
A. In both policies, identification proof, address proof, age proof, and basic medical self declaration is normally required. There might be a need of some medical tests to obtain higher SI.
Q. Would I be able to increase my sum insured within one year?
A. Yes you can ask to increase your sum insured at renewal. Premium will be adjusted and enhanced limit waiting periods could be applied.
Q. How is the premium paid?
A. Premium could be made online through debit or credit card, netbanking, UPI, cheque or even through EMI when it comes to suitable policies.
Q. Is it possible to include additional family members?
A. Dependents such as spouse or children may be included when you are renewing a policy or within 30 days of a life event such as marriage or birth.
Q. What is the disparity in the claim process between the two plans?
A. They are both similar in terms of the digital cashless claims processes with Health Infinity More Time plan being more supportive of large, complex or global claims.
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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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