Reliance Arogya Sanjeevani Policy Insurance

‘Arogya Sanjeevani Policy’provides health insurance coverage for you and your family at an affordable premium. The policy is a simple, easy to understand product which provides all essential benefits needed in a health insurance policy.

Reliance Arogya Sanjeevani Policy Insurance Review

Sum Insured
3 lacs − 130 lacs options available
Tenure Options
1 and 3 years
Claims Incurred Ratio *
Claims Settlement Ratio **
List of Network Hospitals
7,300+ hospitals
Number of Policies issued *
Number of Lives Covered *
Maximum Family Floater Coverage
Self, Spouse + 6 dependent children
* As per IRDAI report for 2018-19   |   ** As per NL25 data published on the Insurance Company website

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Reliance Arogya Sanjeevani Policy Insurance plans details

  • Benefits
  • Coverages
  • Cancellation
  • Exclusions

Reliance Arogya Sanjeevani Policy Insurance - Benefits

Feature Description
Sum Assured Minimum Sum Assured is ₹ 1 Lac
Maximum Sum Assured is ₹ 5 Lacs
(Sum Assured can be opted for in multiples of ₹50,000)
Minimum & Maximum Entry Age for Principal Assured Adult
  • Minimum Entry Age is 18 years
  • Maximum Entry Age is 65 years
  • Minimum Entry Age is 3 months
  • Maximum Entry Age is 25 years
Policy Term 1 year
Policy Type Individual Plan / Family Floater Plan
Hospitalisation Benefit Limits
  • For hospitalization expenses like room, boarding, nursing expenses up to 2% of Sum Assured or a maximum of ₹5,000 per day.
  • ICU/ICCU expenses will also be provided up to 5% of sum assured or a maximum of ₹10,000 per day
  • Ambulance Charges upto ₹2,000 per hospitalisation
  • Sub-limits of cataract surgery are equal to actual expenses i.e. 25% sum assured or ₹4 lacs, whichever is lower.
Pre & Post Hospitalization Pre Hospitalization expenses upto – 30 days
Post Hospitalization expenses upto – 60 days
Initial Waiting Period 30 days waiting period. No claim will be paid in first 30 days after buying policy
Specific Waiting Period 24 months - Benign ENT disorders, Sinus, Cataract and age-related eye illnesses, Non-infective arthritis, tympanoplasty, Polyps, Gastric ulcer, Rheumatism, Gout, Tonsillectomy, Mastoidectomy, cysts, Spinal diseases except for accidental cases
48 months - Joint replacement treatment unless it is from an accident, Osteoporosis, etc
48 months - Pre-Existing Disease (pre-existing disease or medical condition)
Co-payment Co-pay fixed at 5% for all ages/sum insureds in this policy
AYUSH Treatment AYUSH treatments are covered
(AYUSH means all treatments related to Ayurvedic, Yoga, and Naturopathy, Unani, Siddha, Homeopathy)
NCB (No Claim Bonus) NCB (No Claim Bonus) of 5% for each year up to 50% of the sum assured is covered.
Other Policy Benefits
Family Members that can be covered under Floater Plan The policyholder can include dependents, such as their legally wedded spouse, parents, dependent children (including legally adopted children) and parents-in-law.
Note that any children who are above 18 yrs and financially independent will not be eligible for family floater coverage
Cashless Benefit Yes, Cashless Treatment is available under this policy at the respective insurance company’s Network Hospitals
Premium Payment Frequency Premiums can be paid on a Monthly, Quarterly, Half-yearly and Annual basis.
Renewability Lifetime Renewability available on this policy
Portability The policy offers the Portability option to other health insurance companies
Daycare Treatment It covers the expenses arising out of any day care treatment procedures
Specific Coverages under this Policy
Modern Treatment Methods
(Covered upto 50% of the Sum Insured)
  1. Uterine Artery Embolization and HIFU (High Intensity Focused Ultrasound)
  2. Balloon Sinuplasty
  3. Deep Brain Stimulation
  4. Oral Chemotherapy
  5. Immunotherapy – Monoclonal Antibody to be given as injection
  6. Intra Vitreal injections
  7. Robotic surgeries
  8. Stereotactic radio surgeries
  9. Bronchial Thermoplasty
  10. Vaporization of the prostrate (Green laser treatment or holmium laser treatment)
  11. IONM – (Intra Operative Neuro Monitoring)
  12. Stem Cell Therapy - Hematopoietic stem cells for bone marrow transplant for haematological conditions to be cover
Plastic Surgery and Dental Treatment Expenses The cost of any dental or plastic surgery treatment taken as a result of an illness or injury is covered under this policy

Expenses Covered under Reliance Arogya Sanjeevani Policy

  • Pre & Post Hospitalization Expenses
    This policy will cover all the pre-hospitalization expenses (upto 30 days) and post-hospitalization expenses (upto 60 days) following an emergency illness or accidental injury.
  • ICU Charges
    The Arogya Sanjeevani policy pays ICU/ICCU expenses be provided up to 5% of sum assured or a maximum of ₹10,000 per day.
  • Room Rent
    It covers the room rent of the hospital to up to a maximum of ₹5,000 per day.
  • Ambulance Services
    It covers the cost of ambulance services up to a maximum of ₹2000 per hospitalization.
  • Cataract Surgery
    It also covers the cost of cataract surgery upto a maximum of ₹40,000 or 25% of the sum insured amount, whichever is less for each eye.
  • Coronavirus (COID-19) Expenses
    It covers any expenses incurred on hospitalization/treatment due to contracting COVID-19 or coronavirus disease.
  • AYUSH Treatment
    AYUSH treatments are covered at recognised medical centres. (AYUSH means all treatments related to Ayurvedic, Yoga, and Naturopathy, Unani, Siddha, Homeopathy).
  • New Age/ Modern Treatment
    This policy also covers the cost of modern/ new age treatment up to a maximum of 50% of the sum insured amount. The list of illnesses are in the table above.

Policy Cancellation and Refunds

The insured can cancel the policy at anytime during the policy year, subject to following refund options:
Time of Cancellation % of Premium Refund
Free Look Period 100% refund
30 days 75% refund
31 days – 3 months 50% refund
3 months – 6 months 25% refund
> 6 months NIL Refund

Exclusions under the Reliance Arogya Sanjeevani Health Insurance Plan

The Arogya Sanjeevani health insurance policy excludes the following treatments:
  • Maternity Expenses - Cost of treatment related to pregnancy and child birth
  • Domiciliary hospitalization - Domiciliary hospitalization expenses
  • Outpatient Treatment – Policy covers only expenses incurred during Inpatient treatment (atleast 24 hours hospitalisation)
  • Adventure/ Hazardous Sports – Active Participation in a hazardous activities including scuba diving, rock climbing, sky diving, parasailing, deep-sea diving, mountaineering, etc, as a professional
  • Cosmetic or Plastic Surgery – Unnecessary expenses for cosmetic/plastic surgery following an accident, burn injury, other medically necessary treatment
  • Diagnostic or Investigative Tests - Diagnostic or Investigative tests done by the insured which are elective in nature
  • Alcohol/ Drug addiction- Treatment following addiction of alcohol or drug/substance abuse
  • Bed Rest or Rehabilitation Expenses
  • Expenses for Treatment of Sterility or Infertility
  • Claims due to a Nuclear Attack or War/ War-like situation
  • Expenses incurred for Weight Control/ Obesity Treatment
  • Any Treatment received by the insured outside the boundaries of India
  • Expenses relating to surgery or treatment of Gender change
Please review the Terms & Conditions/Policy Wordings for the complete list of exclusions under the Arogya Sanjeevani policy.

FAQ’s on Reliance Arogya Sanjeevani Insurance

Arogya Sanjeevani is a health insurance policy that protects one at the time of hospitalization following an accident or sickness. It’s a newly launched health insurance policy with standard features which is to be offered by all health insurance companies in India starting from 1st April, 2020 onwards.

Yes, under the Family Floater variance of the Arogya Sanjeevani Policy, one can get coverage for themselves, their legally wedded spouse, dependent children, parents, parents in laws. One can also choose to buy individual policies for each of these family members. Note that any children who are above 18 yrs and financially independent will not be eligible for family floater coverage.

The eligibility criteria is as follows for the Entry age of the Primary Insured:
  • Adult
    • Minimum Entry Age is 18 years
    • Maximum Entry Age is 65 years
  • Children
    • Minimum Entry Age is 3 months
    • Maximum Entry Age is 25 years

The sum insured options available under the Arogya Sanjeevani plan range from ₹1 lac to ₹5 lacs with multiples of ₹50,000.

The coverage is as follows:
  • Pre Hospitalization expenses upto – 30 days
  • Post Hospitalization expenses upto – 60 days

Yes, this plan covers treatment related to Coronavirus, subject to the expenses not being incurred during the initial waiting period under the policy.

All day care treatments are covered under this plan.

No, while the IRDAI has allowed the insurance companies the flexibility to charge premium according to it’s portfolio and claims experience, the premium charged will however be the same for the insurance companies across India.

Arogya Sanjeevani policy comes with a policy term of one year only, but renewable on a lifetime basis.

Yes, even NRIs (Non-Resident Indians) can buy Arogya Sanjeevani policy. Although the customer needs to be in India at the time of policy buying and should pay the premium in Indian currency through an Indian bank account. Importantly, expenses incurred only for treatment in India will be paid under this policy.

Yes. You can port your existing health insurance policy into Arogya Sanjeevani.

The Arogya Sanjeevani policy comes with a co-pay of 5%, which means that at the time of claim settlement, the insured will need to pay 5% of the claims amount towards the settlement. This is irrespective of the age of the insured.

Arogya Sanjeevani policy also provides a bonus of 5% on the total sum insured amount for every claim-free year that is passed by the insured, and this is accumulated upto a maximum of 50% of the sum insured as a bonus.

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