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Last updated on: May 20, 2025
The Reliance Health Gain Plan and Reliance Health Infinity More Global Plan are two popular health insurance offerings from Reliance General, but they cater to different needs. The Health Gain Plan is primarily designed for comprehensive healthcare coverage within India, providing a range of sum insured options, cashless hospitalization, and add-on features like maternity and wellness benefits. In contrast, the Health Infinity More Global Plan extends its coverage internationally, making it ideal for those seeking protection both in India and abroad, including global hospitalization, optional worldwide coverage, and higher sum insured limits. While the Health Gain Plan is suitable for families and individuals residing in India, the Infinity More Global Plan is best for frequent international travelers or those desiring broader protection. Choosing between the two ultimately depends on your coverage requirements—domestic or global—and preferred sum insured.
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Read BioWhether it comes to protecting your health with a powerful insurance policy or not, the Reliance Health Gain or Reliance Health Infinity More Global Plan is a choice that will prove vital in 2025. These two health insurance plans of Reliance General Insurance are designed to offer holistic coverage solutions to the needs of Indian consumers with Health Infinity More Global Plan introducing additional global coverage features. Hospitalisation and critical illnesses, international medical travel and value features are unique benefits of each plan.
The article directly compares, and analyzes, experts, pros and cons, frequently asked questions and real-life examples to empower you to make a well-informed decision regarding your healthcare needs and financial objectives in 2025.
The Reliance Health Gain Plan is a trendy health insurance plan that covers hospitalisation, medical insurance and lifestyle risks. It is family-friendly, people-friendly, and senior citizen-friendly and concentrates primarily on healthcare requirements in India.
Did you know?
Most policyholders also used Reliance Health Gain by increasing their sum insured to meet the increased medical expenses during renewal in 2024, with more than 35 percent increasing their sum insured at renewal.
Reliance Health Infinity More Global Plan is an new generation health insurance scheme designed specifically to attract Indian residents who may be interested in high level healthcare coverage of international quality. It is a global plan and is best adapted to a group that travels internationally, has family members abroad, or would like to get international standard treatment.
Expert Insight
Indian medical tourism increased by almost 30 per cent in critical and specialised treatment in 2024, which emphasizes the need of global healthcare coverage such as the Reliance Health Infinity More Global Plan.
Knowing the differences between the two plans can also assist you in matching your insurance policy to your lifestyle and preferences. A tabular comparison is given in a snapshot here:
| Feature | Reliance Health Gain Plan | Reliance Health Infinity More Global Plan |
|---|---|---|
| Coverage Geography | India only | Worldwide (including India and, in some plans, USA) |
| Sum Insured | Rs 3 lakh- Rs 3 crore | Rs 30 lakh- Rs 6 crore |
| Network Hospitals | 8000+ in India | 8600+ in countries outside India |
| Emergency Medical Evacuation | No, not including air ambulance cover | Yes, including air ambulance cover |
| International OPD Benefits | No | Available in top variants |
| Organ Donor Cover | Yes | Enhanced, worldwide covered |
| Sum Insured restoration | One-time restoration/year | Unlimited restoration |
| Critical Illness Add-on | Yes | Yes, wider range |
| Maternity Cover | Optional add on | Included in enhanced plans, global benefit |
| Waiting Time | Standard (as per IRDAI norms) | A little less with some benefits |
People also ask:
What Reliance plan serves a family best that spends its time in more than one country?
The best plan is Health Infinity More Global Plan because it provides international coverage.
Reliance Health Gain Plan would be better used by:
Case Study: Mumbai family of four.
Our client was a family of two working parents, with two young children, who lived in Mumbai and needed a strategy to pay hospital fees to common illnesses and daycare services in India. They enrolled with Reliance Health Gain on its low-cost premium and convenient network hospital coverage.
Did you know?
According to regulatory report, almost three-quarter of Indian health insurance claims in 2024 were hospital stays in their home states.
Reliance Health Infinity More Global Plan is most suited to:
Conditional: IT Professional to Europe.
An IT worker based in Bengaluru moved to Germany and had concerns about the cost of medicine in Europe. By selecting Health Infinity More Global Plan she was able to easily cover scheduled surgeries and regular check-ups overseas with cashless payments.
People also ask:
Does Health Infinity More Global cover cancer treatment in another country?
Yes, the policy conditions cover the whole world in terms of cancer and other major critical illnesses.
Pros
Cons
Did you know?
In 2024, medical costs incurred by policyholders were reduced by an average of 15 percent through the Reliance cashless facility.
Pros
Cons
People also ask:
Is pre-existing disease included in the Health Infinity Global Plan abroad?
Yes, pre-existing diseases are covered around the world after waiting periods.
| Age of Insured | Sum Insured | Health Gain Plan Annual Premium (approx) | Health Infinity More Global Plan Premium (approx) |
|---|---|---|---|
| 30 years | Rs 10 lakh | Rs 7,500 | Not available* |
| 30 years | Rs 30 lakh | Rs 14,700 | Rs 48,000 |
| 35 years | Rs 1 crore | Rs 21,000 | Rs 83,500 |
| 45 years | Rs 6 crore | NA | Rs 2,43,000 |
*Sum insured option not available in Health Gain Plan.
The estimates are based on the first part of 2025 and differ depending on the city, health condition, and family size.
People also ask:
Are premiums payable in instalment?
Yes, the two plans have flexible premium payment plans such as monthly, quarterly and annual payments.
Real-world Example:
An entrepreneur based in Delhi was transferred between India and UAE. She paid out of pocket a whopping 30 lakh for a single hospitalisation in a foreign country and then switched to Health Infinity More Global where she had her next planned surgery in Dubai covered cashlessly rather than incurring huge costs.
Both policies offer option to customise the coverage to increase it:
Reliance Health Gain Plan add-ons:
Improvements to Reliance Health Infinity More Global Plan:
People also ask:
Are there pre and post-hospitalisation costs in both schemes?
Yes, both plans reimburse such costs, but Health Infinity More Global is the only one that provides it on an international level.
Online marketplaces can help you to simplify the process of selecting the most appropriate health insurance plan to meet your specific needs. By 2025, a platform will enable you to compare policies, features, premiums, and network hospitals in real-time and be able to recognize gaps and benefits that you would not have noticed otherwise. Compare without any pressure by using the free comparison tools.
Did you know?
The topmost Health Insurance queries in India during the early years of 2025 were global health plan comparison and the cheapest health plan in family.
Select according to your travelling style, place, your preference in healthcare and your budget.
Q1. Is it possible to make a switch to Reliance Health Gain to Health Infinity More Global Plan later?
Yes, as long as the underwriter approves and there is a policy portability standard. Ensure that there is continuity of benefits and waiting periods.
Q2. Are both plans going to cover COVID19-related 2025 hospitalisations?
The two plans include the coverage of COVID19 treatment that is subject to policy terms and IRDAI guidelines.
Q3. How are these plans renewed?
Reminder, auto-renew options, and lifetime renewability Both plans have online and offline renewal. Most renewals do not need any health check-ups unless conditions change.
Q4. Does Reliance Health Infinity More Global Plan include an overseas medical deductible?
Some global covers include a deductible or a sub-limit, depending on the type of cover bought.
Q5. When can I make a claim I have bought a new policy?
Waiting period of 30 days (most illnesses). The coverage of accidents starts on day one; they vary by plan.
It is better to compare both Reliance Health Gain and Health Infinity More Global plans, whether you want your family to be taken care of in India in a broad manner or you want to enjoy a global health cover on any of your business or study trips. Get a comparative analysis and a clear consultation online through health insurance markets. A policy document should always be read, and authorised advisors consulted, and long-term needs taken into account to achieve the best selection.
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).
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