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Adult 18 years to 65 years*
Child 91 days to 25 years*

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(Insurance of 2 members without PED for a sum insured of Rs 6 lacs)

Estimated premium 10,000 + GST
Policy start date
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Premium breakup
  • Basic premium 10,500
  • Discount 500
  • Net premium 10,000
  • GST 100
Final Premium 10,000

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  • Premium break-up
    • Basic premium
    • Discount
    • Net premium
    • GST
    • Final premium
  • Policy details
    • Cover type
    • Start date
    • Sum insured
    • Adult Members
    • Child Members
  • Insured member details
Here’s what you have unlocked with this policy

Arogya Sanjeevani Insurance Policy

A simple and affordable Arogya Sanjeevani health plan designed to meet your insurance needs

We’ve lived through unprecedented times and so we know that covering oneself with a health insurance cover has become a necessity. The Arogya Sanjeevani Insurance Policy by Reliance General Insurance is an easy to buy plan that covers all your inpatient hospitalisation needs with a wide range of sum-insured options ranging between ₹50k to ₹10 Lakhs. It’s the best health insurance plan to cover you financially in any unprecedented time. 

What does the Arogya Sanjeevani Policy Cover?

Section 1: Basic Benefits of Arogya Sanjeevani Policy

Inpatient Care: Covers medical expenses like room rent, ICU charges, medical practitioners fee, OT charges, nursing charges etc. incurred during hospitalisation due to an illness or accident for a period of more than 24 hrs.

  • Room Rent, Boarding, Nursing Expenses as provided by the Hospital /Nursing Home, up to 2% of the sum insured subject to maximum of ₹5000/- per day.
  • Intensive Care Unit (ICU)- /Intensive Cardiac Care Unit (ICCU) expenses up to 5% of sum insured subject to maximum of ₹10,000/- per day.
  • Cost is included up to sum-insured for Anesthesia, blood, oxygen, operation theatre charges, surgical appliances, medicines and drugs, diagnostics, diagnostic imaging modalities and such similar other expenses.
  • Doctor/Surgeons fees is covered

Special Treatments: Special treatments as listed below are covered with up to 50% of the sum-insured under Arogya Sanjeevani health insurance:

  • Uterine Artery Embolization and HIFU (High intensity focused ultrasound)
  • Balloon Sinuplasty
  • Deep Brain stimulation
  • Oral chemotherapy
  • Immunotherapy- Monoclonal Antibody to be given as injection
  • Intra vitreal injections
  • Robotic surgeries
  • Stereotactic radio surgeries
  • Bronchical Thermoplasty
  • Vaporisation of the prostrate (Green laser treatment or holmium laser treatment)
  • IONM - (Intra Operative Neuro Monitoring)
  • Stem cell therapy: Hematopoietic stem cells for bone marrow transplant for haematological conditions to be covered

Day Care Procedures: Medical expenses incurred for day care procedures taken at a hospital or day care centre. 24 hours mandatory hospitalisation is not necessary in the day care procedure.

Cataract Treatment^: Cataract treatment is covered up to 25% of Sum insured or ₹40,000/-, whichever is lower, per eye, under one policy year.

AYUSH Benefit: The medical expenses for in-patient treatment taken under Ayurveda, Unani, siddha and homeopathy are covered without sublimits.

Pre- Hospitalisation: Covers medical expenses incurred 30 days prior to the date of hospitalisation.

Post- Hospitalisation: Covers medical expenses incurred up to 60 days from the date of discharge.

Emergency Road Ambulance: Actual expenses incurred for utilizing road ambulance service for transporting the insured to the nearest hospital with adequate emergency facilities is covered upto ₹2000 per hospitalisation.

Dental Treatment and Plastic Surgery: Dental treatment & Plastic surgery necessitated due to any disease or accidental injury is covered

Section 2: Co-payment and Cumulative Bonus

Cumulative Bonus: Increase in the sum insured by 5% in respect of each claim free year subject to a maximum of 50% of SI. In the event of claim the cumulative bonus shall be reduced at the same rate.

Co-payment: 5% for all claims

^24 Months waiting period is applicable for Cataract Treatment

Arogya Sanjeevani Policy Eligibility-

Parameters Eligibility
Age Child: 91 days to 25 years*
Adult: 18 years to 65 years*
Policy Type Individual and Family Floater​​
Policy Period 1 year
Sum insured (in ₹) 50k to 10 Lakhs

*Age based on completed years, No maximum cover ceasing age

Arogya Sanjeevani Policy Waiting Period-

Waiting Period Type Duration and Specifics
First Policy Waiting Period A waiting period of 30 days once the fresh policy is issued is applicable to all claims unless insured suffers an accident.​​
Pre-existing Diseases waiting period Pre-existing Diseases(PED) and its direct complications shall not be covered until the completion of 48 months of continuous coverage have elapsed, since inception of the policy provided that the PED is declared and/or accepted in the proposal​​.​​
Specific waiting period A specific waiting period of 24/48 months is applicable on specific diseases as mentioned in policy as long as insured is in his/her third year of policy without break

24 months waiting period

  • Benign ENT disorders
  • Tonsillectomy
  • Adenoidectomy
  • Mastoidectomy
  • Tympanoplasty
  • Hysterectomy
  • All internal and external benign tumours, cysts, polyps of any kind, including benign breast lumps
  • Benign prostate hypertrophy
  • Cataract and age-related eye ailments
  • Gastric/ Duodenal Ulcer
  • Gout and Rheumatism
  • Hernia of all types
  • Hydrocele
  • Non-Infective Arthritis
  • Piles, Fissures and Fistula in anus
  • Pilonidal sinus, Sinusitis and related disorders
  • Prolapse inter Vertebral Disc and Spinal Diseases unless arising from accident
  • Calculi in urinary system, Gall Bladder and Bile duct, excluding malignancy
  • Varicose Veins and Varicose Ulcers
  • Internal Congenital Anomalies

48 Months waiting period

  • Treatment for joint replacement unless arising from accident
  • Age-related Osteoarthritis & Osteoporosis

Arogya Sanjeevani Policy Cancellation

Length of time Policy in force Refund of premium
Up to 15 days Premium paid will be refunded (minus) any expenses incurred by the Company on medical examination of the insured person and the stamp duty charges​​

What does the Arogya Sanjeevani Policy Not Cover?*

All permanent exclusions shall apply individually for each Insured Person under the Arogya Sanjeevani health policy and claims shall be assessed accordingly.

We will not make any payment for any claim in respect of any Insured Person directly or indirectly for, caused by, arising from or in any way attributable to any of the following unless expressly stated to the contrary in this Arogya Sanjeevani Policy:

  • Domiciliary Hospitalization​​
  • Investigation & Evaluation
  • Rest Cure, rehabilitation and respite care​​
  • Obesity/Weight control
  • Change-of-Gender treatments​​
  • Cosmetic or Plastic surgery (unless due to accidental injury)
  • Hazardous or Adventure sports
  • Breach of law
  • Excluded providers
  • Addictions, Drug / Substance Abuse
  • Alternate Therapy and Rejuvenation​​​​
  • Dietary Supplements & Substances
  • Refractive Error
  • Unproven Treatments
  • Sterility and Infertility
  • Maternity​​
  • Dental Treatment (unless due to accidental injury)
  • Non-medical expenses
  • Outpatient treatment (OPD)
  • Overseas treatment​​
  • War or similar situations​​
  • Nuclear, chemical or Biological attack

*All exclusions are subject to terms and conditions of the policy, please read complete policy wordings before concluding sales

Click here to read the policy wordings to know more about the exclusions of Arogya Sanjeevani Health Insurance Policy​

How to File a Claim

Filing a claim is simple and quick today. Here’s how you can file a claim with Reliance General Insurance:

Cashless Claim Reimbursement Claim
Step 1:
Inform the claims team. You can inform them by emailing, logging into the Self-i App or calling 022-48903009 (paid)
Step 1:
Inform the claims team. You can inform them by emailing, logging into the Self-i App or calling 022-48903009 (paid)
Step 2:
Submit details like type of treatment and all relevant documents
Step 2:
Submit details to the claims team and make the necessary payment at the hospital.
Step 3:
The claims team will settle the bill directly with the hospital
Step 3:
Scan and send your bill and other document to the claims team within 7 days of recharge to get reimbursed.

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Arogya Sanjeevani Policy FAQs

1. 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.

2. Is there a waiting period involved for the Arogya Sanjeevani policy?

Yes, there are three different waiting periods for this policy, the initial 30-day waiting period, 48 months for pre-existing diseases, and 24/48 month for specific illnesses.

3. 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.

4. What is the age limit and eligibility for Arogya Sanjeevani policy?

Adults between the age of 18 to 65 years are eligible to purchase an Arogya Sanjeevani health insurance policy.

5. How long does the Arogya Sanjeevani policy cover me for?

The policy will cover you for a period of one year after which you can opt to renew it for a further 12 months.

6. Where can I avail the benefits of my Arogya Sanjeevani policy?

You can get cashless treatments from the 10,000+ network hospitals of Reliance General Insurance. At non-network hospitals, you can make claims for reimbursement after treatment is done.

7. Is treatment covered outside India too?

No, treatment done outside of India is not covered under the Arogya Sanjeevani policy. Reliance General Insurance has other health insurance products that will cover international treatments like Reliance General Insurance Health Infinity and Reliance General Insurance Super Top-Up Plan.

8. Will I have to pay anything toward my treatments with an Arogya Sanjeevani policy?

Yes, there is a 5% co-payment clause for every claim under the Arogya Sanjeevani policy.

Here’s what our customers say about us!

*T&C apply | | 1800 3009 (Toll Free) | IRDA Registration No. 103. Reliance General Insurance Company Limited. Discounts mentioned above is based on Vehicle category, Loyalty, Parking & Driving experience.​​ Registered Office & Corporate Office: Reliance General Insurance Centre, South Wing, 4th Floor, Santacruz (East), Off Western Express Highway, Mumbai – 400055. Corporate Identity Number:U66603MH2000PLC128300. Trade logo displayed above belongs to Anil Dhirubhai Ambani Ventures Private Limited and used by Reliance General Insurance Company Limited under License. ​

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