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Is Arogya Sanjeevani a government-sponsored scheme?
Arogya Sanjeevani Health Insurance is a health insurance policy introduced and approved by the Insurance Regulatory and Development Authority of India (IRDAI). All general insurance companies are authorised to offer it to their customers.
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What is co-payment in the Arogya Sanjeevani Insurance Policy?
Co-payment refers to the percentage of the claim amount that you have to pay out of your pocket. The Co-Payment applicable to Arogya Sanjeevani Policy is 5% of your claim amount.
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What is the waiting period for the Arogya Sanjeevani Scheme?
The waiting period refers to the duration you need to wait before you apply for a claim under the Arogya Policy. It has an initial waiting period of 30 days, pre-existing diseases waiting period of 36 months and a specific waiting period of 24 or 36 months for certain specified illnesses.
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Are there any tax benefits with Arogya Sanjeevani Insurance?
Yes, you can claim a tax deduction benefit under Section 80D of the Income Tax Act, 1961, of the premiums paid for Arogya Policy. It is applicable separately for yourself, or including your family (spouse and dependent children) and your parents.
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Are there any policy options under the Arogya Sanjeevani Health Insurance policy?
No, there are no policy options available under the Arogya Insurance Policy. However, you can choose the health insurance coverage amount based on your requirements.
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Can NRIs buy the Arogya Sanjeevani Policy?
Yes, NRIs are eligible to buy the Arogya Sanjeevani Policy.
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Is a medical examination mandatory for Arogya Sanjeevani Health Insurance Policy?
Generally, medical examination is not necessary to buy the Arogya Sanjeevani Health Insurance Policy. However, in certain cases, it might be required considering the specific health conditions or age.
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What factors affect the Arogya Sanjeevani Health Insurance premium?
The key factors that affect your Arogya Policy premium are your age, type of policy (whether individual or family) and the sum insured.
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How long does the Arogya Sanjeevani policy cover my medical expenses?
The policy will cover you for a period of one year after which you can opt to renew it for a further 12 months.
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Can I renew my Arogya Sanjeevani Insurance policy online?
Yes, you can renew your Arogya Sanjeevani Health Insurance policy online.
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What is the difference between Individual and Family Floater Health Insurance plans available under Arogya Sanjeevani Policy?
Individual plans cover the medical expenses of a single individual. On the other hand, a family floater health insurance plan covers the medical expenses of the individual members of a family. It can be used to cover your spouse, dependent children and parents.
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Who can buy an Arogya Sanjeevani health insurance policy?
Any individual between the age of 18 to 65 years can purchase an Arogya Sanjeevani policy. If opting for a family plan, children from 3 months to up to 25 years can be added.
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What are the eligibility criteria for dependent children?
Natural or legally adopted children between the ages of 3 months and 25 years can be included in the Arogya Sanjeevani Policy. However, if the children are above 18 years of age and financially independent, they become ineligible for the coverage.
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Is it possible to port my existing policy to an Arogya Sanjeevani health policy?
Yes, it is possible to port your policy as per the rules stipulated by the IRDAI. Porting is possible during the time of policy renewal.
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Can I port Arogya Sanjeevani Policy?
Yes, you can port the Arogya Sanjeevani Policy from your existing insurance provider to us if you are not satisfied with any aspect.
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What is the room rent policy in Arogya Sanjeevani?
Room rent coverage up to 2% of sum insured subject to a maximum of ₹5,000 per day is offered under the Arogya Policy. For ICU and CCU, the coverage offered is 5% of sum insured subject to a maximum of ₹10,000 per day.
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Does the Arogya Sanjeevani Health Insurance plan cover maternity benefits?
No, the Arogya Sanjeevani Policy does not cover medical expenses related to maternity, including pregnancy and childbirth.
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Are pre-existing diseases covered under the Arogya Sanjeevani Health Insurance Policy?
Yes, pre-existing diseases are covered under the Arogya Sanjeevani Health Policy. However, it is applicable after the completion of the waiting period of 36 months.
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Does the Arogya Sanjeevani Health Insurance policy cover overseas medical treatment?
No, Arogya Sanjeevani Insurance Policy does not cover medical expenses incurred outside India. You can refer to our Reliance Health Global for overseas health insurance coverage.
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What is the maximum sum insured limit for the Arogya Sanjeevani Health Insurance Plan?
You can choose a sum insured up to ₹10 lakhs under Arogya Sanjeevani Health Insurance Policy.
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Can I buy the Arogya Policy exclusively for my children?
No, the Arogya Sanjeevani Policy cannot be purchased exclusively for your children. It can be purchased as a family floater plan that includes both you and your children.
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Can I increase the health insurance coverage under the Arogya Sanjeevani Policy?
Yes, you can increase the health coverage in multiples of ₹50,000 and up to ₹10,00,000.
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Is cashless hospitalisation applicable under the Arogya Sanjeevani Insurance Policy?
Yes, you can benefit from cashless hospitalisation in our network of over 10,000 hospitals across India. With the recent GIC announcement, you can avail of cashless hospitalisation benefits even in non-network hospitals.
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Who should I contact for a claim under the Arogya Sanjeevani Policy?
You can contact us in any of the following ways to inform us about your claim.
- Call us on our paid helpline number - +91 22 48903009
- Writing to us - healthcare@indusindinsurance.com
- Login on to our Reliance Self-i App.
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What is the current
GST rate on health insurance premiums?
During the 56th GST Council Meeting in New Delhi, the Indian Government revealed a groundbreaking decision to
exempt all health insurance policies from GST, starting September 22, 2025. The GST rate on health insurance
premiums has been lowered to zero. Previously, premiums faced an 18% GST, which greatly raised the total
cost.With this exemption, only the base premium is charged - making health insurance more affordable and
accessible for individuals.
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How does the GST exemption impact my health insurance premium?
With Zero GST, your premium is now reduced by up to 18% compared to before.You won't have to pay tax on health
insurance policies anymore.This change is effective for new purchases and renewals starting September 22, 2025.
Example: A policy that earlier cost ₹15,000 (including ₹2,288 GST) will now cost approximately ₹12,712 - saving
you nearly ₹2,300
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Will my existing health insurance policy benefit from the GST exemption?
Yes, renewals made on or after September 22, 2025 will benefit from Zero GST.If your policy was issued before
this date, GST still applies.The exemption is tied to the policy issuance and renewal date, not just
payment.Future renewals will reflect the GST-free pricing, reducing your premium cost.
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Do I need to pay GST on health insurance purchased before September 22, 2025?
Yes, policies purchased or issued before September 22, 2025 still include 18% GST.The Zero GST exemption
applies only to policies issued or renewed on or after that date.Future renewals will reflect the GST-free
pricing.
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What does the new GST regulation effective 22nd September mean for Health Insurance premiums?
Starting 22nd September 2025, the GST (Goods and Services Tax) on individual health insurance premiums has been
reduced to 0%, down from the earlier rate of 18%.
What this means for you:
Lower Premiums: You'll now pay only the base premium-no GST added.
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Will my Health Infinity renewal premium reduce after the GST removal?
Yes, Your Health Infinity renewal premium will decrease if the renewal takes place on or after September 22, 2025.
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Does the GST
regulation apply to both new purchases and renewals of Health Insurance?
Yes, the new GST regulation effective from 22nd September 2025 applies to both new purchases and renewals of
individual health insurance policies.
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Does the GST change
impact Health Gain, Health Infinity, Super Top-Up, and Hospi Care plans equally?
Yes, The GST exemption starting from 22nd September 2025 is applicable to health insurance plans such as Health
Gain, Health Infinity, Super Top-Up, and Hospi Care. Provided that the policy is issued and the risk begins on
or after this date, there will be no 18% GST charged on premiums. This change makes these plans more
budget-friendly for both new purchases and renewals.
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I renewed my health
policy before 22nd September with GST - am I eligible for adjustment?
If your health insurance policy was renewed before September 22, 2025, and you paid GST, you are not eligible
for any refunds or adjustments,The GST exemption applies only to transactions made on or after the effective
date. Since your payment was completed earlier, the GST charged was valid under the previous tax rules and
cannot be retrospectively refunded.