Arogya Sanjeevani Plan
  • AYUSH benefits covered
  • Inclusions and Exclusions
  • Quick Claim Process

Get Quotes From Top Insurers



Cover For
D.O.B (eldest member)



Phone No.

By proceeding you are accepting our privacy & terms

Reliance Arogya Sanjeevani Insurance Plan

In this unprecedented time, covering you and your family is a necessity. Reliance Arogya Sanjeevani Insurance Plan comes as a savior for you. It is a simple and affordable plan that is specifically designed to meet all your medical requirements. This plan comes with a wide variety of benefits such as in-patient hospitalization, daycare treatments, AYUSH treatments, and ambulance charges along with a large sum of insured options i.e., ranging from Rs. 1 lakh to Rs. 5 lakhs.

Eligibility of Reliance Arogya Sanjeevani

Entry Age Child: 91 days to 25 years
Adult: 18 years to 65 years
Type of Plan Individual and Family Floater
Policy Tenure 1 year
Sum Insured 1 lakh, 2 lakhs, 3 lakhs, 4 lakhs, and 5 lakhs

**Last Updated on 11-05-2021

Key Features and Benefits of Reliance Arogya Sanjeevani Policy

There are a number of plans available in the market but what plan to choose? It solely depends on your requirements. One should always be aware of the key features and benefits of the availed policy. Let's understand the key features.

  1. Inpatient Hospitalization Care

    This plan covers the medical expenses incurred on hospitalization for more than 24 hours due to an illness/injury/accident such as room rent charges, nursing, and boarding charges, and ICU charges. It includes:

    Room Rent, nursing, boarding expenses Up to 2% of the sum insured subjected to a maximum of Rs. 5,000/per day
    ICU/ICCU charges Up to 5% sum insured subjected to maximum of Rs. 10,000 per day
    Fees of Doctor/Medical Practitioner Covered
    Operation Theatre charges, surgical applications, medicine, and drugs expenses Covered

    **Last Updated on 11-05-2021

  2. Special medical procedures

    Some of the special treatments listed on the policy documents are covered under this plan up to 50% of the sum insured.

  3. Robotic Surgeries

    • Oral Chemotherapy
    • Bronchial Thermoplasty
    • Balloon Sinuplasty
    • High-Intensity Focused Ultrasound
    • Stimulation of Deep brain
    • Stem cell therapy
    • Vaporization of the prostate
    • Intra Operative Neuro Monitoring (IONM)
    • Radio Surgeries
  4. Day Care Procedures

    This plan provides coverage for the expenses incurred during daycare treatments taken at a hospital or diagnostic center. Hospitalization of 24 hours is compulsory in the daycare treatment.

  5. Treatment of Cataract

    Cataract treatment also gets covered up to 25% of the sum insured or Rs. 40,000 whichever is lower for one eye under the first policy year.

  6. AYUSH Benefit

    Medical expenses of Ayurvedic, Unani, Sidha, and Homeopathic treatments are also covered under this plan without any sub-limits.

  7. Pre-Hospitalization

    The plan covers the medical expenses for 30 days before the date of hospitalization.

  8. Post-Hospitalization

    The plan covers the medical expenses for up to 60 days from the date of discharge from the hospital.

  9. Road Ambulance Charges

    Road ambulance service includes the transportation of policyholders from one place to another along with all the required emergency services. These services are covered under this plan up to Rs. 2000 per hospitalization.

  10. Plastic surgery and dental treatments

    The plan provides coverage for plastic surgery and dental treatments caused due to accident/disease and illness.

  11. Co-payment

    Plan provides 5% co-payment for all claims.

Sample Premium Rates

This graph illustrates the premium payable by an individual at different ages for a sum insured of Rs. 5 lakhs. Let's understand the premium rates with the help of a graph.

Premium Payable by an individual at different ages under Arogya Sanjeevani Plan

Premium at different ages under Arogya Sanjeevani Plan

Above we have discussed the premium amount at different ages. But what about the amount of premium for different sum insured options. The plan offers coverage from Rs. 1 lakh to Rs 5 lakhs.

Premium Payable by an individual at a different sum insured under Arogya Sanjeevani Plan

Premium at different sum insured under Arogya Sanjeevani Plan

Waiting Periods

Type of waiting period Specifications
First waiting period After the issuing of the first policy, a waiting period of 30 days is applicable to all claims unless the policyholder suffers from an accident.
Waiting Period for Pre-existing diseases Pre-existing illnesses and their direct complications are not covered until the completion of 4 months of continuous coverage have elapsed since the policy starts.
Specific Waiting Period A specific waiting period of 24/48 months is applicable to listed diseases in policy documents.

**Last Updated on 11-05-2021

Policy Cancellation

Time for which policy in force Premium Refund
For up to 15 days All the premium amount that is paid will be refunded.

**Last Updated on 11-05-2021

Exclusions of Reliance Arogya Sanjeevani Insurance Plan

Take a look at some of the major exclusions of this policy.

  • Intentional/self-inflicted injuries
  • Dental Treatment (unless it is because of accident/injury)
  • War/chemical/nuclear attack
  • Breach of law with criminal intent
  • Cosmetic or plastic surgery due to accident/injury/illness
  • External congenital anomaly
  • Alcohol/drug/substance abuse
  • Hazardous or adventurous sports
  • Dietary Supplements and substances
  • Investigation and evaluation/wellness and rejuvenation
  • Change of Gender treatments
  • Infertility treatments
  • Overseas treatment

What Is The Process To Claim Reliance Health Insurance?

Reliance General has a very transparent and easy method of applying for a health insurance claim at the time of requirement. Let's take a look at it.

Cashless Claim:

If you are admitted to one of Reliance's partnered network hospitals, you have to follow the below steps-

  • Inform the company about your hospitalization.
  • All the authorization forms are required to be submitted on time along with the health cards and photo ID at the hospital desk.
  • After all the submissions, the hospital will contact Reliance Health Insurance for approval.
  • The insurance company will settle all the bills after verification.

Reimbursement Claim:

Here you have the option to get yourself treated at any hospital (apart from the network) and file for reimbursement with the following steps-

  • Inform the insurance company about the hospitalization as soon as possible.
  • Pay for the treatment and collect all the necessary documents (original copy) before you leave the hospital.
  • All original documents have to be submitted within 15 days of post-hospitalization treatment to get the reimbursement.
  • The company will verify the claim request and transfer the payment on approval.

Documents Required

  • Valid ID Proof
  • Original reports of diagnostic tests, radiology reports, and payment receipts.
  • Original hospital bills and discharge certificate signed by a medical practitioner.
  • Medical practitioner's prescription for consultation, medicine, and medical tests.
  • Post Mortem Report (if applicable).
  • Others requested by the company.

Insurance Calculator

Find Out What the Customers Are Saying

(Showing latest 5 reviews only)

- 4.8/5 (17 Total Rating)

May 10, 2021

Roopal Ganguly


I bought this policy in times of pandemic and it is a must-have policy. Services are really very good and I am satisfied with this company. The claim ratio is also good.

May 6, 2021

Rishabh Kalra


Hi, I am Rishabh. I took this policy a year ago. The claim settlement of this company is good. You can go for this company.

May 4, 2021

Kanchi paul


One day when i was watching TV i saw add of reliance health. I called them and the agents are so helpful. They resolved my query and i bought a plan from.

May 3, 2021

Kishan lal


I bought this policy because one of my friend suggested me. I am very thankful to PolicyX for guiding me properly and the customer care people are very helpful.

April 30, 2021



Claim settlement is very quick and smooth. Company is also good and will tell my relatives and friends to buy

Last updated on 11-05-2021

Get Instant Quotes