Reliance Arogya Sanjeevani Plan - Premium, Benefits and Review
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Arogya Sanjeevani Plan

Reliance Arogya Sanjeevani is an affordable health insurance plan desi ...Read More

Up to 5 Cr
Sum insured
127+
Pan India presence
87.50%
Claim settlement ratio
🛡️ IRDAI Approved
⭐ 4.4/5 · 2,704 reviews
🏥 9,100+ hospitals
📊 2.35 solvency ratio
✅ 87.50% claim settlement
Written by Simran saxena
Reviewed by Raj Kumar
Published: 22 Oct 2024
Updated: 27 Jul 2026
Expert Verified
IRDAI Licensed

Overview

Reliance Arogya Sanjeevani's plan is affordable and efficient. In unprecedented times, 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. Reliance Arogya Sanjeevani policy is an easy-to-buy plan that covers all your inpatient hospitalization needs with a wide range of sum-insured options ranging between ₹50,000 to ₹10 Lakhs.

Exclusions

Permanent Exclusions

  • Hospitalization due to war, riot, strike, and nuclear weapons
  • Intentional self-injury
  • AIDS
  • Miscarriage and Abortion
  • Congenital disease
  • Infertility and in vitro fertilization

Waiting Periods

Certain diseases and treatments are covered under this plan after a specific waiting period:

  • Listed ailments after 48 Months
  • Pre-existing diseases after 24/48 Months

Plan at a glance

Eligibility, sum insured options and policy mechanics — pulled straight from the policy wording.

Entry age
Minimum 18 years, Maximum 65 years
Plan type
Individual and Family Health Insurance
Sum insured options
₹50 L, ₹1 L, ₹2 L, ₹3 L, ₹4 L, ₹5 L, ₹6 L, ₹7 L, ₹8 L, ₹9 L, ₹10 L
Waiting period
30 days
Renewability
Lifelong
Policy term
1 Year

*Initial Waiting Period is the time period between the issuance of the policy and the time it starts actively. During this period, a policyholder has to wait to avail of the benefits offered under a health insurance plan.

Pros & cons

A quick honest summary — the strengths and the trade-offs.

Pros

  • In-patient hospitalization
  • Daycare treatments
  • AYUSH treatments
  • Ambulance charges

Cons

  • OPD cover
  • Domiciliary hospitalization
  • Daily Hospital Cash
  • Organ Donor

What's covered

A quick look at what this plan covers — and what it doesn't.

Hospitalization

  • Room rent Covered
  • ICU charges Covered
  • Pre-hospitalization Covered
  • Post-hospitalization Covered
  • Domiciliary hospitalization Not covered
  • Day-care treatment Covered
  • OPD charges Not covered
  • Covid-19 treatment Covered
  • Cataract Covered

Bonuses & restoration

  • No-claim bonus Covered
  • Automatic restoration of SI Not covered
  • Daily hospital cash Not covered

Family & special care

  • Maternity cover Not covered
  • New-born baby cover Not covered
  • IVF treatment Not covered
  • AYUSH treatment Covered
  • Organ donor expenses Not covered

Modern & preventive care

  • Modern treatment Covered
  • Road ambulance Covered
  • Air ambulance Not covered
  • E-consultation Not covered
  • Health check-up Not covered
  • Second medical opinion Not covered
  • Vaccination Covered

Conditions & global

  • Co-payment Covered
  • Sub-limits Covered
  • Compassionate travel Not covered
  • Global coverage Not covered

Who can buy this plan

Eligibility criteria pulled straight from the policy wording.

  • Entry Age: Minimum: 18 years Entry Age Maximum: 65 Years Policy Term: 1 Year Sum Insured: ₹50,000 to ₹10 Lakhs Initial Waiting Period: 30 Days

Frequently Asked Questions

The 9 most-asked questions about Arogya Sanjeevani Plan, answered.

Yes, Reliance Arogya Sanjeevani policy offers a sum insured up to INR 10 lakhs.
No, there is no requirement for a pre-medical check-up by the Reliance Arogya Sanjeevani Policy.
No. However, dental treatment necessitated due to any disease or accidental injury is covered.
Cataract treatment is covered up to 25% of the Sum insured or Rs.40,000/-, whichever is lower, per eye, under one policy year.
There are multiple specialized treatments covered by Reliance Arogya Sanjeevani Policy up to 50% of SI: Uterine Artery Embolization and HIFU (High intensity focused ultrasound) Balloon Sinuplasty Deep Brain stimulation Oral chemotherapy Immunotherapy- Monoclonal Antibody to be given as an injection and more
Pre-Hospitalization covers medical expenses incurred 30 days before the date of hospitalization and Post--hospitalisation covers medical expenses incurred up to 60 days from the date of discharge.
Yes, the Arogya Sanjeevani Plan covers AYUSH treatment without sub-limits.
Yes, an increase in the sum insured by 5% in respect of each claim-free year is subject to a maximum of 50% of SI. In the event of a claim, the cumulative bonus shall be reduced at the same rate.
Below-mentioned is the special treatments covered under the Arogya Sanjeevani Insurance Policy offered by 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 intensity focused ultrasound Immunotherapy- Monoclonal Antibody to be given as an injection Robotic surgeries IONM-(Intra Operative Neuro Monitoring) Stem cell therapy

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