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Last updated on: May 20, 2025
The Reliance Health Gain Plan and Reliance Health Infinity More Time Plan are two comprehensive health insurance policies from Reliance General Insurance, each catering to different needs. The Health Gain Plan is ideal for individuals and families seeking cost-effective coverage with multiple sum insured options, wellness benefits, and features like reinstatement of sum insured and free health check-ups. In contrast, the Health Infinity More Time Plan stands out for offering extended policy terms (up to 3 years), unlimited reinstatement of sum insured, and unique optional add-ons like global treatment and double cover. While both plans ensure cashless hospitalisation, pre-and post-hospitalisation coverage, and tax benefits, the choice depends on whether you prioritize affordability and flexibility (Health Gain) or longer coverage duration and extra add-ons (Infinity More Time). Comparing coverage details, waiting periods, and optional benefits can help you select the best plan for your healthcare requirements.
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Read BioHealth insurance is vital in giving security and a sense of tranquility because the cost of healthcare is increasing continuously in India. Out of the numerous insurance plans which exist, Reliance Health Gain Plan and Reliance Health Infinity More Time Plan are the most popular and preferred due to their new features and flexible benefits. When considering the purchase of a plan in 2025, these two should be compared in detail.
This all-inclusive guide will assist you in knowing the most important distinctions, characteristics, advantages, and practical functionality of the two health insurance policies, so that you make the most appropriate choice.
Reliance Health Gain Plan is an individual and family-based health insurance policy that is customizable. It allows policyholders to personalize the coverage by choosing the amount insured, add-ons, room rent limit and restoration benefits based on individual needs and budget. With its emphasis on flexibility and low premiums, Reliance Health Gain Plan remains a popular option among most people in 2025.
Reliance Health Infinity More Time plan is a new generation health cover providing longer policy terms (up to 3 years at a time), including full hospitalisation benefits and special provisions such as unlimited restoration of the sum insured and international cover. This plan will be designed to meet the needs of individuals who desire to enjoy the long term cover, minimal renewal periods, additional time benefits and future health benefits.
Did you know? In a recent industry survey, over 72 percent of urban Indians prefer health plans that are highly customisable with long-term international coverage in 2025.
Being aware of the key features will allow you to find the type of insurance that fits your health needs and life phase best.
| Feature | Health Gain Plan | Health Infinity More Time Plan |
|---|---|---|
| Sum Insured Range | [?]3 lakh to [?]1 crore | Up to [?]5 crore |
| Policy Term | 1 year | Up to 3 years |
| Global Cover | No | Yes (according to policy terms) |
| Restoration | Once/year, unrelated | Unlimited, any illness. |
| No-Claim Bonus | Yes | Yes |
| Add-ons | Very wide variety of add-ons. |
Health Infinity More Time Plan is the same cover, only encouraging longer policy term.
Rohit and Meera are 31 and 28 years old and seek health insurance because they are planning to have a family in Pune in 2025. They like an average premium that covers maternity and newborn cover, as well as the cashless access to a hospital.
Health Gain Plan gives them an opportunity to choose a [?]10 lakh sum insured, include a maternity rider and an additional wellness rider at a minor premium and provide them free health check-ups. Floater premium is approximately [?]18,500 per annum.
Expert view: Survey of the industry in 2025 and concludes that almost 3 / 4 (65 percent) of new purchasers favor health insurance which includes preventive wellness instruments, particularly in metro areas. Maternity covers are not flexible and the three year premium is reduced to about [?]48,000 with the same cover and international emergency cover.
Mrs and Mr. Shetty are 60 and 65 years who travel between UK and India to see their family. They require a large amount insured and abroad.
Health Gain Plan includes India-only hospitalisation, restoration and optional critical illness riders.
The global aspect of Health Infinity More Time Plan is perfect as they can easily claim hospitalization in UK in the event of an emergency. They take a [?]1 crore cover of 3 years at approximately [?]1.1 lakh total premium.
Professional opinion: In the case of NRIs or couples who are moving globally, global coverage can save significant out-of-pocket costs in the event of medical emergencies in another country.
Pros:
Cons:
Pros:
Cons:
The range of coverage under the two plans is extensive, however, they also contain some standard exclusions.
Usual Inclusions:
Typical Exclusions:
People Also Ask: Which Indian maternity or IVF cover in 2025?
The Health Gain Plan includes additional add-ons of maternity. But international IVF coverage can be covered under the Health Infinity Plan under explicit choice.
One parameter Health Gain Health Infinity More Time.
| One parameter | Health Gain | Health Infinity More Time |
|---|---|---|
| Waiting Period at Onset | 30 days | 30 days. |
| Pre-existing Disease | 2 to 4 years (variable) | 2 to 3 years |
| Lifelong Renewability | Yes | Yes. |
| Maternity Waiting | 3 years (customisable) | 3 to 4 years. |
| Room Rent Limits | Set by class/zone. | |
| Restoration Limits | Once/year | unlimited. |
Fact: According to IRDAI data 2024, more than 80 percent of claim rejection in health insurance can be attributed to waiting and mismatch of declaration in health insurance.
| Age / Scenario | Health Gain Plan Annual Premium ([?]) | Health Infinity More Time, 3-Yr Premium ([?]) |
|---|---|---|
| 30-yr old Individual, [?]10 lakh SI | 7,950 | 20,900 |
| Family Floater, 2A+2C, [?]20 lakh | 24,200 | 66,500 |
| Single Senior, [?]50 lakh SI | 52,100 | 1,32,400 |
Both of them provide cashless settlement of claims in a giant network of hospitals.
Reports indicate that Reliance has a claim ratio (settlement history) of over 98 percent as of 2024.
Did you know? You can now compare up to 20 health policies in real-time on some online insurance market places, view hospital networks and even select add-ons digitally on 2025 policies.
Reliance Health has both direct and online buying. It takes a short time, cashless cards are delivered both in person and electronically, and claims in the apps are resolved in 4-5 days. This digital-first solution, together with claim tracking using AI, will appeal to millennials and urban families ever more in 2025.
Is this switchable later?
It is possible to port during renewal, but unless the portability is seamless, all policy conditions such as waiting periods and terms are likely to be reset.
Do You have any Value-added or Wellness benefits?
Health Gain Plan:
Health Infinity More Time Plan:
Health Gain Plan normally suits nuclear families, first time buyers or couples who are likely to have children and Indian residents who like flexibility at low prices.
The best is Reliance Health Infinity More Time Plan because it is a more comprehensive international health insurance, longer coverage term, unlimited restoration and larger sum insured; thus, when you need a larger coverage, international coverage and less trouble in renewing your annual coverage.
Health Infinity More Time Plan is designed to serve HNIs, senior citizens, business travellers, higher sum insured seekers, or families who have plans to travel internationally or spend long durations abroad.
Key Decision Factors:
Which documents do I claim reimbursement?
Original medical invoices, discharge summary, claim form, hospital reports and valid ID document are generally needed. You should always check the list that has been specified according to your plan.
Are There No Concealed Clauses or Marks to make?
There is a standard cooling-off period in both plans, and some exceptions regarding certain illnesses, as well as waiting periods, both of which you should read carefully.
Any changes in the amount of insured or to global coverage that occurs during mid-term may have new waiting periods.
Mental health, dental and OPD are not always covered fully unless chosen.
Reliance Health Gain Plan is an affordable, versatile, India-only health plan with a wide range of add-ons that are appropriate to young couples and families.
A complete international health insurance which has longer coverage term, unlimited restoration and has higher sum insured, and has the best when you need higher coverage, international coverage and would not like to undergo the hassle of renewing your annual coverage is Reliance Health Infinity More Time Plan.
Research specifications, add-ons, wait times and compare existing coverage online in 2025 across various plans before you purchase.
Never falsify health history to have claims denied.
What Reliance health insurance plan is more appropriate when travelling internationally?
Reliance Health Infinity More Time Plan covers the entire world and can be used by frequent travellers or NRIs.
Is Reliance health insurance fully online purchaseable?
Yes, they both can be bought online. Neutral insurance marketplaces also allow you to compare features, premiums, and inclusions of more than one company before going ahead.
What is restoration benefit, and why does it matter?
Restoration benefit. Your sum insured is restored after being used wholly during a policy year. The Infinity More Time Plan has unlimited restoration and the Health Gain Plan has one-yearly restoration regarding unrelated illnesses.
Maternity or IVF covered?
Maternity and newborn sometimes IVF may be covered but only as riders. The Health Gain Plan offers young families more flexible maternity.
Which is the 2025 Reliance Health claim settlement ratio?
According to the most recent statistics (2024), the health claim settlement ratio of Reliance General is over 98 percent, which is one of the best rates in the category of private Indian insurance companies.
Would Reliance Infinity More Time Plan cover a surgery that I had in UK during a trip?
Provided you are covered by the global cover feature and there are emergency costs abroad, you can claim the appropriate expenses even though the treatment is in the UK (under the conditions of the policy and documents needed).
Whether to go with Reliance Health Gain Plan or Reliance Health Infinity More Time Plan, would depend on your age, whereabouts, family requirements, financial means, and plans to travel abroad. When you do want to compare the different options, premium, and cashless hospital networks with each other, never make any decisions without having a credible online insurance portal.
Pro tip: Take your time and read everything, request a policy brochure, and even request an insurer to give you a walkthrough.
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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