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 Insurance
The Arogya Sanjeevani Policy is an affordable health plan introduced by the Insurance Regulatory and Development Authority of India (IRDAI) that offers 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 such as 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 seeking a trustworthy plan without compromising on coverage, our Arogya Sanjeevani Policy is perfect for buyers of all ages. Any disease, big or small, is covered comprehensively at affordable rates.
What is the Arogya Sanjeevani Policy?
Arogya Sanjeevani policy is a basic yet dependable health insurance policy that covers essential medical costs during hospitalisation. It takes care of expenses like room rent, nursing charges, ICU fees, doctors’ consultation fees, and more.
This policy is standardised by IRDAI. It ensures you do not have to worry about the financial side of a medical emergency, with core benefits and coverage remaining the same across all insurance companies. This policy mainly covers hospitalisation expenses, including room rent, doctor fees, medicines, ICU charges, and pre- and post-hospitalisation costs. It also includes coverage for day care procedures and AYUSH treatments, enhancing its practical value.
The policy period of the Arogya Sanjeevani Policy is one year. However, it offers lifelong renewability, allowing continued coverage without age-related restrictions, subject to policy terms. The policy is intended for individuals and families seeking essential health cover. It suits first-time insurance buyers, young families, senior parents, and people who want a basic plan without complex terms. Overall, it works as a reliable starting point for health insurance protection.
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 lakh coverage, you're covered for most health emergencies, even if you live in a metro city with high healthcare costs.
Flexible and High Sum Insured
Choose the SI amount between ₹50,000 to ₹10 lakh based on your medical needs.
Policy Period
You get coverage for you and your family for up to 1 year with a 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 tax benefits up to ₹1 lakh 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 IndusInd Insurance 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.
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
Fast and reliable claim approvals on our App
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
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 5% off on premiums.
Disclaimer: These discounts are subject to maximum limits. Please ensure you check your policy terms and conditions before purchase.
Arogya Sanjeevani Policy Coverage Details
Room Rent Limit (2% of Sum Insured)
Under the Arogya Sanjeevani Policy, room rent is capped at 2% of the total sum insured per day. This means you can choose a standard hospital room within this limit. Staying within the allowed room rent helps avoid extra out-of-pocket expenses during hospitalisation.
ICU Charges (5% of Sum Insured)
ICU expenses are covered up to 5% of the sum insured per day. This includes charges for intensive monitoring, specialised equipment, and critical care support. The limit ensures essential ICU treatment remains affordable while keeping overall claim costs balanced for the policyholder.
Co-Payment Clause (5%)
The policy includes a 5% co-payment clause. This means you pay a small portion of the total hospital bill, while the IndusInd General Insurance pays the rest. Co-payments help keep premiums affordable and encourage responsible use of medical services during treatment.
Cataract Treatment Limit
Cataract treatment is subject to a fixed sub-limit under this policy. Your IndusInd General Insurance policy covers expenses up to 25% of the sum insured or Rs.40,000/-, whichever is lower, per eye in one policy year. This includes surgery and related costs which helps manage necessary eye treatment.
Sub-Limits on Modern Procedures
Certain modern treatments and advanced medical procedures are subject to sub-limits under the policy. These include treatments using new technologies or specialised techniques. The sub-limits ensure coverage remains structured while still providing access to updated medical care when required.
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 the ₹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 instead of 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.
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 36 months |
Specific Conditions | 2 years, depending on the coverage mentioned in the policy |
Waiting periods are associated with health insurance to ensure genuine customers receive adequate coverage during their time of need. Please read the policy document for the full details.
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Details Needed to Buy the 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.
Parameters | 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 is the Premium of Arogya Sanjeevani Policy Calculated?
Insurance companies combine these factors to keep the policy affordable while providing standard health insurance coverage -
Sum Insured
The sum insured chosen by the policyholder directly influences the premium. Higher coverage offers better protection but increases the premium amount.
Policyholder’s Age
Age plays a major role in deciding the premium amount. Younger policyholders usually pay less since they face lower health risks.
Location
The location of residence affects the premium. Metro cities often have higher premiums because hospital treatment costs are higher there.
Number of Insured Members
The number of family members covered under the policy impacts the total premium. Family floater plans cost more than individual covers.
Sample Illustrations of the Arogya Sanjeevani Policy
Working Professionals (20s)
Insured’s Age: 25 Years
Policy Premium: ₹166.17/month
Sum Insured: ₹1.00L insured for 1 year
Benefits: Arogya Sanjeevani Policy offers comprehensive hospitalisation and AYUSH coverage, ideal for young adults seeking holistic and affordable healthcare.
Mid-Life (40s)
Insured’s Age: 45 Years
Policy Premium: ₹402.17/month
Sum Insured: ₹1.00L insured for 1 year
Benefits: With coverage for pre- and post-hospitalisation and cumulative bonus benefits, this policy supports mid-life health needs effectively.
Senior Citizen/Post-Retirement
Insured’s Age: 65 Years
Policy Premium: ₹1,188.67/month
Sum Insured: ₹1.00L insured for 1 year
Benefits: Senior citizens benefit from daycare procedures, AYUSH care, and renewal perks, ensuring continued protection during critical years.
How to Buy Arogya Sanjeevani Policy Online?
Steps to Buy
Scroll to the top of this page to buy the Arogya Sanjeevani policy.
You can use the calculator below to get a quick quote.
Enter your details such as name, mobile number and PIN code. Read and agree to our terms and conditions to proceed.
Click “View Prices”, explore plan options and customise your policy.
Complete the payment online using the available methods to receive your policy.
Documents Required
Age proof such as an Aadhaar card, birth certificate, or passport.
Address proof such as utility bills, driving licence, or passport.
Identity proof like Aadhaar, PAN, or voter ID. Recent passport-size photographs, if required.
Medical history details, including past illnesses, ongoing treatments, or regular medications.
Why Buy Arogya Sanjeevani Policy from IndusInd General Insurance?
Instant Digital Policy Issuance
Policy documents are issued digitally soon after purchase. This allows customers to access coverage details instantly, store documents safely, and share them easily during hospital admissions or claims.
Wide Network of Hospitals
IndusInd General Insurance provides access to a large network of 10,000+ hospitals across India. This makes cashless treatment easier during emergencies and reduces stress related to hospital selection and upfront medical payments.
Quick and Reliable Claim Settlement
Claims are managed through a smooth and time-efficient process. Dedicated teams guide policyholders from claim intimation to settlement, helping reduce delays during hospitalisation and recovery periods.
Clear and Transparent Policy Information
Policy terms, coverage limits, and co-payment details are explained clearly. This transparency helps customers understand what is covered and prevents confusion or surprises during claim settlement.
Responsive 24/7 Customer Support Services
Customer support teams assist with policy queries, renewals, and claims-related concerns. Easy access to 24/7 support builds confidence and ensures continued guidance throughout the policy duration.
Arogya Sanjeevani Policy Renewals & Portability
Arogya Sanjeevani Policy Renewals
Go to the form 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.
Arogya Sanjeevani Policy Portability
Policyholders can apply for portability while renewing their existing Arogya Sanjeevani Policy. The request must be submitted before the current policy expiry date.
Required documents include a copy of the existing policy, the claim history, and a portability request form. IndusInd General Insurance reviews these details before approval.
After approval, the policy is issued with continuity benefits such as waiting period credits.
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 Claim Process
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: healthcare@indusindinsurance.com
Website: https://www.indusindinsurance.com/
Phone: 022-4890 3009 / 022-4111 2600
App: IndusInd Insurance App
Courier (for offline submission):
IndusInd 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), ICARE, on your health card:
- Call 022-4890 3009 (Paid).
- Submit documents to ICARE.
- ICARE 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.
Arogya Sanjeevani Policy vs Regular Health Insurance Plans
| Features | Arogya Sanjeevani Policy | Regular Health Insurance Plans |
|---|---|---|
Coverage Size | Coverage is limited and available only up to a fixed sum insured. | Coverage options are flexible and can go very high. |
Premium | Premiums are lower since benefits are standardised and tightly defined. | Premiums are higher as coverage is broader and more customisable. |
Sub-limits | Sub-limits apply to room rent, ICU charges, cataract treatment, and modern procedures. | Most comprehensive plans either have no sub-limits or allow removal of limits. |
Co-payments | A fixed co-payment usually applies. | Co-payment is often optional. Many plans allow zero co-payment. |
Add-Ons | Add-ons are not available. | Multiple riders are available. |
Best For | First-time buyers, young families, and people with a limited health insurance budget. | People who want long-term protection against major illnesses and rising medical costs. |
Add-ons Available with Arogya Sanjeevani Policy
At IndusInd General Insurance, we offer the Arogya Sanjeevani Policy in strict compliance with IRDAI guidelines. This standard health insurance product comes with predefined features and does not include add-ons or riders as part of its base plan.
You can explore other standalone covers available with IndusInd General Insurance. You may choose from critical illness plans or personal accident policies to enhance overall protection. While these are not officially part of the Arogya Sanjeevani Policy, they can be purchased separately to meet specific healthcare needs.
For a more comprehensive health portfolio, our experts are always ready to help you choose the right combination of plans.
Arogya Sanjeevani Policy for Senior Citizens
The Arogya Sanjeevani Policy can be a practical option for senior citizens who want basic health insurance coverage. The policy offers standard hospitalisation benefits, including room rent, ICU charges, and treatment costs for covered illnesses. However, seniors should note that coverage limits remain fixed, which may feel restrictive for higher medical expenses common at an older age.
Waiting periods are an important factor for senior citizens. Pre-existing diseases usually come with a waiting period, which must be completed before related claims are accepted. Certain treatments and procedures may also have defined waiting periods. Seniors with existing health conditions should review these timelines carefully before buying the policy.
Premiums for senior citizens are higher compared to younger age groups. This increase reflects higher health risks and greater chances of hospitalisation. While the policy remains affordable compared to many comprehensive plans, the cost still rises with age and chosen sum insured.
Arogya Sanjeevani suits seniors looking for essential coverage, predictable benefits, and a simple policy structure without complex add-ons.
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 for 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 offers this dependable cover with the added support of 24/7 customer assistance and efficient claim service. If you are considering health insurance coverage for the first time, this simplified plan is perfect to support your healthcare journey.
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