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

In this unprecedented time, covering you and your family is a necessity. Reliance Arogya Sanjeevani Insurance 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 AgeChild: 91 days to 25 years
Adult: 18 years to 65 years
Type of PlanIndividual and Family Floater
Policy Tenure1 year
Sum Insured1 lakh, 2 lakhs, 3 lakhs, 4 lakhs, and 5 lakhs

**Last Updated on April, 2022

Key Features and Benefits of Reliance Arogya Sanjeevani Policy

There are many 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 of the Reliance Arogya Sanjeevani Policy.

  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 expensesUp to 2% of the sum insured subjected to a maximum of Rs. 5,000/per day
    ICU/ICCU chargesUp to 5% sum insured subjected to maximum of Rs. 10,000 per day
    Fees of Doctor/Medical PractitionerCovered
    Operation Theatre charges, surgical applications, medicine, and drugs expensesCovered

    **Last Updated on April, 2022

  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 periodAfter 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 diseasesPre-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 PeriodA specific waiting period of 24/48 months is applicable to listed diseases in policy documents.

**Last Updated on April, 2022

Policy Cancellation

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

**Last Updated on April, 2022

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?

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.

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Reliance Arogya Sanjeevani Plan: FAQs

1. Does Reliance Arogya Sanjeevani Insurance policy offer a sum insured option of more than INR 5 lakhs?

Yes, Reliance Arogya Sanjeevani policy offers a sum insured up to INR 10 lakhs.

2. What are the special treatments covered under Arogya Sanjeevani Insurance Policy offered by Reliance General Insurance?

Below-mentioned is the special treatments covered under the Arogya Sanjeevani Insurance Policy offered by the Reliance General Insurance:

  • Balloon sinuplasty
  • Stereotactic radio surgeries
  • Deep brain stimulation
  • Vaporization of the prostate (Green laser treatment or holmium laser treatment)
  • Intra vitreal injections
  • Oral chemotherapy
  • Uterine Artery Embolization and High intensity focused ultrasound
  • Immunotherapy- Monoclonal Antibody to be given as an injection
  • Robotic surgeries
  • IONM-(Intra Operative Neuro Monitoring)
  • Stem cell therapy

3. Will I have to go through a pre-medical exam to buy a Reliance Arogya Sanjeevani Policy?

No, there is no requirement for a pre-medical check-up by the Reliance Arogya Sanjeevani Policy.

4. What are the waiting periods for Reliance Arogya Sanjeevani Policy?

The following are the waiting periods for the Arogya Sanjeevani Policy:

  • Initial waiting period - 30 days
  • Waiting period for pre-existing diseases - 48 months
  • Waiting period for specific diseases - 24 months/48 months

Find Out What the Customers Are Saying

(Showing latest 5 reviews only)

- 4.6/5 (35 Total Rating)

June 13, 2022

Vidya Bhan


Very nice company with a range of health products. I have bought one plan for myself and my husband, and one for my aged in-laws. Happy with both the plans

October 12, 2021

Tulika Sharma


got hospitalized receently for a surgery...the company responded the minute my claims were raised. Good support! Thanks!

October 11, 2021

Mayank Tyagi


I m impressed with the service provided by Executives of Reliance Health. They assisted me very patiently

September 1, 2021

Kashi Pradhan


Bought the health plan for my parents. now I m assured that their health is not compromised due to money :)

August 18, 2021

Puneet sharma


Reliance company ka health insurance bahut acha hai, aur premiums bhi bht affordable hai, aur bht jaldi claim ko settle karti hai, muje inki service bahut pasand aayi.

Last August on April, 2022

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