Affordable medical coverage for you, up to ₹10 Lakh
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Robotic Surgery Covered*
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Covers Chemotherapy*
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Cataract Surgery Coverage*
Arogya Sanjeevani Policy
The Arogya Sanjeevani Policy is an affordable health plan introduced by the Insurance Regulatory and Development Authority of India (IRDAI), offering essential, standardised coverage. The plan includes a sum insured ranging from ₹50,000 to ₹10 Lakh, covering a wide range of day care treatments, hospitalisation expenses, modern treatments like robotic surgeries, AYUSH treatments and more.
Our plan also includes coverage for dental treatments, plastic surgeries and pre and post-hospitalisation expenses. For instance, coverage for cataract surgery will include hospitalisation expenses and medical expenses incurred 30 days before and 60 days after the hospitalisation.
With coverage of up to 25%* of the SI (up to ₹40,000) for cataract treatments and up to 50%* of the SI for special treatments such as chemotherapy, we offer complete protection. So, if you are a first-time buyer or a senior citizen and are seeking a trustworthy plan without compromising on coverage, our Arogya Sanjeevani Policy is perfect for buyers from all age groups. Any disease, big or small, get comprehensive coverage at affordable rates.
Key Benefits of Arogya Sanjeevani Policy
Key Health Insights
Medical inflation is growing at 14% annually, according to CNBC TV18, making it more challenging for individuals to afford treatment.
A large proportion of healthcare spending in India is out-of-pocket, with estimates ranging from 50% to 75%. This often results in delayed treatments, skipped preventive care, and, in severe cases, impoverishment.
Why 5 Crore+ Policyholders Trust Us?
IndusInd Arogya Sanjeevani ensures you're supported at every step during a medical emergency. It's a standard health policy that offers health coverage at a much lower cost. Here's how we help you when it matters most:
AI-Assisted Claims on Self-i*
Fast and reliable claim approvals
10,000+ Hospitals*
Cashless treatment at top hospitals
24/7 Global Assistance*
Expert Assistance, just a call away
10% Online Discount*
On online policy purchase
Key Features of the Arogya Sanjeevani Policy
Our Arogya Sanjeevani policy offers a cost-effective way to get medical coverage in India. By offering up to ₹10 lakhs coverage, you're covered for most health emergencies, even if you live in a metro city with high health costs.
Flexible and High Sum Insured
Choose the SI amount between ₹50,000 to ₹10 lakhs based on your medical needs.
Policy Period
You get coverage for you and your family for up to 1 year with lifetime renewability option.
Room Rent Coverage
Get up to 2%* of the SI (up to ₹5,000 per day) for room rent, boarding, nursing expenses.
ICU and ICCU Coverage
Get up to 5% of the SI (up to ₹10,000 per day) for ICU or ICCU expenses.
Coverage for Doctors’ Fees
Covers fees paid for surgeons, anaesthetists, doctors, consultants or specialists up to the SI.
Special Treatments
Covers Deep Brain Stimulation, Robotic Surgeries, Oral Chemotherapy, etc., up to 50%* of the SI.
Cataract Treatment
Covered up to 25%* of Sum Insured or ₹40,000 per eye per policy year, whichever is lower.
Coverage for Pre-Existing Diseases
Get coverage for declared pre-existing diseases after 36 months of policy purchase.
No Deductible
You do not have to pay any deductible, which means you get the entire claim amount.
Emergency Ambulance
Covers up to ₹2,000 per hospitalisation for emergency road ambulance services.
Tax Benefits
Get up to ₹1 lakh* tax benefits under Section 80D for health insurance plans.
10,000+ Network Hospitals
Experience seamless claim procedures at any of our top network hospitals across India.
24/7 Customer Support
Receive 24/7 assistance via our Self-i app and +91 22 48903009, anytime, anywhere.
Co-Payment
You need to cover 5% for all claims and we'll cover the remaining 95% as per policy terms.
Discounts Under the Arogya Sanjeevani Policy
My Employer is taking care of my Health Insurance and so I do not need one
10% Online & 10% Family Discount
Get a discount on online policy purchase and when more than one member of your family takes the policy individually
My Employer is taking care of my Health Insurance and so I do not need one
3% Standing Instruction Discount
when more than one member of your family takes the policy on an individual basis.
My Employer is taking care of my Health Insurance and so I do not need one
5% Customer Loyalty Discount
If you are our existing customers, you are eligible to get a 5%* off on premiums.
Disclaimer: These discounts are subject to maximum limits. Please ensure you check your policy terms and conditions before purchase.
IndusInd Arogya Sanjeevani: Inclusions and Exclusions
What is Covered?
Hospitalisation (IPD): Covers in-patient hospitalisation expenses including room rent, doctor consultation, surgery, nursing, and ICU. Example: ₹2.5L for gall bladder removal including ICU and surgery.
Day 1 Coverage: We offer day 1 coverage under our policy for accident-related claims and for medical emergencies to ensure quick and comprehensive medical coverage.
Pre- and Post-Hospitalisation: Covers expenses incurred 30 days before and 60 days after hospital admission. Example: ₹3K for diagnostics and ₹6K for medication post discharge.
Day Care Treatment: Covers all daycare procedures not requiring 24-hour hospitalisation, such as chemotherapy and dialysis. Example: ₹40K for one chemotherapy session will be reimbursed.
AYUSH and Modern Treatments: In-patient treatment under Ayurveda, Yoga, Unani, Siddha, and Homoeopathy at government-recognised hospitals.
Modern Treatments: Advanced procedures like robotic surgeries or deep brain stimulation (up to 50% of SI). Example: ₹2L for robotic hernia surgery will be reimbursed under ₹5L policy.
Cumulative Bonus: 5% increase in sum insured per claim-free year up to a maximum of 50%. Example: ₹5L → ₹6.25L over 5 years without any claims.
What is Not Covered?
Cosmetic/Reconstructive, Maternity and Fertility Procedures: We cover plastic surgery only for urgent medical needs due to an accident or burns. Plus, maternity and fertility treatment costs are excluded.
OPD & Dental Treatment: We cover outpatient consultations and dental treatments only in the events of accidents.
Domiciliary Hospitalisation: We cover all treatments except those done at home rather than in a hospital setup.
Non-Medical Expenses: You're covered from doctor's consultations to discharge. However, non-medical costs not directly related to hospitalisation are excluded.
Self-inflicted Injuries & Unlawful Acts: We cover all accidental injuries, but intentional injuries from self-harm or injuries while committing unlawful acts are excluded.
Disclaimer: The inclusions and exclusions are subject to policy terms and conditions. To refer to the official policy document for complete details, click here.
Affordable health coverage awaits
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Details Needed to Buy Arogya Sanjeevani Policy
When buying health insurance you're required to provide details that verify your eligibility to buy the plan. So, before you buy this plan, this is the key information you'll need to provide us and what you'll need to know about the plan as well.
Parameter | Details |
|---|---|
Age Eligibility | Adults: 18 to 65 years Dependant children: 91 days to 25 years |
Policy Type | Individual or Family Floater policy (Up to 2 adults + 3 children). |
Policy Period | 1 Year |
Family Members Covered | Self, Spouse, Dependent Children, Parents, Parents-in-law |
Medical Check-up (Pre-Issuance) | Required for individuals aged 51 to 65 years** |
How to Buy and Renew Online?
Buy Online
Scroll to the top of this page to buy the Arogya Sanjeevani policy.
Enter your details, such as name, mobile number and PIN code.
To proceed, read and agree to our terms and conditions.
Click “View Prices,” explore plan options and customise your policy.
Complete the payment online via available methods to receive your policy.
Renew Online
Go to the calculator at the top of this page and select "Renewal".
Enter details as requested, including your policy number or mobile number.
Verify your mobile number by clicking on “Send OTP” and continue.
Verify your policy details and edit your existing policy if needed.
Review the updated premium and pay online for instant renewal.
Health insurance starting at just ₹243 per month*!
Secure your health in minutes!
With Arogya Sanjeevani Health Insurance, get comprehensive and affordable coverage for your family’s every medical need.
Arogya Sanjeevani Policy Waiting Periods
Type of Waiting Period | Duration and Specifics |
|---|---|
Initial Waiting Period | 30 days for any illness |
Pre-Existing Diseases | Covered after 4 years |
Specific Conditions | 2 years, depending on the coverage mentioned in the policy |
Waiting periods are associated with health insurance to make sure that genuine customers get adequate health insurance coverage during their time of need. Please read the policy document for detailed clauses.
How to File a Claim Under Arogya Sanjeevani Policy?
Steps to File a Claim
Notify Us Promptly
Planned hospitalisation? Inform us at least 48 hours before admission.
Emergency? Notify us within 24 hours of hospitalisation.
How to Contact Us
Email: rgicl.rcarehealth@relianceada.com
Website: Make A Health Insurance Claim
Phone: 022-4890 3009 / 022-4111 2600
App: Self-i App
Courier (for offline submission):
Reliance General Insurance,
3rd Floor, Krishe Block, Krishe Sapphire,
Madhapur, Hyderabad – 500081
Cashless Treatment at Network Hospitals
Once you notify us, IndusInd General Insurance (previously known as Reliance General Insurance) will:
- Verify your policy and send an approval letter to the hospital.
- Alert the hospital about any missing documents within 4 hours.
- Notify you if the treatment isn’t covered.
Cashless Treatment at Authorised Non-Network Hospitals
The Cashless Everywhere feature allows you to avail of cashless hospitalisation even at non-network hospitals.
The cashless claim is available via the IndusInd health claims team (previously known as Reliance health claims team), RCARE, on your health card:
- Call: 022-4890 3009 (Paid)
- Submit documents to RCARE
- RCARE will coordinate for cashless approval if eligible
Reimbursement Claims (Any Hospital)
If your cashless claim is denied, don’t worry. You can still claim via reimbursement.
- Fill and sign the claim form
- Submit required documents (bills, prescriptions, discharge summary, etc.) within 15 days of treatment
- We will process and pay the approved amount, usually within 30 days
For precise claim-related information, please refer to policy documents or get in touch with our customer helpline.
Key Takeaways
IndusInd Arogya Sanjeevani Policy (formerly Reliance Arogya Sanjeevani Policy) is a standardised yet affordable health cover that is designed to meet essential medical needs. With a broad range of benefits like pre and post-hospitalisation to AYUSH treatments, it offers reliable protection for individuals and families alike.
In addition, it offers coverage for a wide range of special and modern treatments, including stem cell therapy, immunotherapy, chemotherapy and robotic surgeries, making it a go-to plan for those seeking comprehensive coverage. Moreover, coverage for cataract surgeries and dental treatment makes it ideal for senior citizens.
IndusInd General Insurance (formerly, Reliance General Insurance) offers this dependable cover with the added support of 24/7 customer assistance and efficient claim service. Whether you are considering health insurance coverage for the first time, this simplified plan is perfect to support your healthcare journey.
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FAQ About Arogya Sanjeevani Insurance
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. This means you can easily get this plan from IndusInd General Insurance (formerly Reliance General Insurance).
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 the Arogya Sanjeevani Policy is 5% of your claim amount.
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, a pre-existing diseases waiting period of 36 months and a specific waiting period of 24 or 36 months for certain specified illnesses.
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, for the premiums paid for the Arogya Policy. It is applicable separately for yourself, or including your family (spouse and dependent children) and your parents.
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.
Can NRIs buy the Arogya Sanjeevani Policy?
Yes, NRIs are eligible to buy the Arogya Sanjeevani Policy.
Is a medical examination mandatory for the Arogya Sanjeevani Health Insurance Policy?
Generally, a medical examination is not necessary to buy the Arogya Sanjeevani Health Insurance Policy. However, it is mandatory if the buyer is between 51 years to 65 years of age.
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.
What is the difference between Individual and Family Floater Health Insurance plans available under the 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.
You can opt for either plan option under the IndusInd Arogya Sanjeevani policy based on your coverage needs during purchase.
Who can buy an Arogya Sanjeevani health insurance policy?
Any individual between the ages of 18 to 65 years can purchase an Arogya Sanjeevani policy. If opting for a family plan, children from 91 days to up to 25 years can be added.
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