Network hospitals
8600+
Claim settlement ratio
98.65%
Sum insured
Up to 1 CR
No. of Plans
12
Solvency Ratio
1.67
Pan India Presence
128+
Network hospitals
8600+
Claim settlement ratio
98.65%
Sum insured
Up to 1 CR
No. of Plans
12
Solvency Ratio
1.67
Pan India Presence
128+
Reliance Arogya Sanjeevani plan is an affordable and efficient plan. In 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. 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 ?50k to ?10 lacs.
Minimum: Children- 91 days to 25 years Adult: 18 years
Maximum: 65 Years
Individual/ Family Floater
1 year
1 L | 2 L | 3 L | 4 L | 5 L | 6 L | 7 L | 8 L | 9 L | 10 L
30 Days*
*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.
With wide coverage options, the Reliance Arogya Sanjeevani Health plan lets you customize your health insurance plan as per your requirements:
Coverage for SI: 1 L- 10 L
Room Rent
2% of SI
ICU Charges
5% of SI
Pre-Hospitalization
Covered up to 30 days
Post-Hospitalization
Covered up to 60 days
Domiciliary Hospitalization
Not Covered
Daycare Treatment
Covered
OPD Charges
Not Covered
COVID-19 Treatment
Not Covered
Cataract
25% of SI
No Claim Bonus
Available up to 50% of SI
Automatic Restoration
Not Applicable
Daily Hospital Cash
Not Available
Organ Donor
Not Available
Maternity Cover
Not Available
New Born Baby Cover
Not Available
AYUSH Treatment
Covered up to SI
IVF Treatment
Not Available
Modern Treatment
Available
Ambulance
Covered up to ?2000
Air Ambulance
Not Available
Compassionate Travel
Not Available
Global Coverage
Not Available
E-Consultation
Not Available
Health Check-Up
Not Available
Second Medical Opinion
Not Available
Vaccination
Available
Co-payment
Applicable, 5% for all claims
Sub-limits
Available
The room rent limit is the maximum amount of bed charge that you can claim if you are hospitalized.
Common Room categories covered under room rent are:
Coverage status under Reliance Arogya SanjeevaniPlan?
Under Reliance Arogya SanjeevaniPlan, the room rent is covered up to 2% of the sum insured subject to a maximum of Rs.5000/- per day.
It is a special department in the hospitals where patients with serious medical conditions are treated.
Coverage status under Reliance Arogya SanjeevaniPlan?
Under this plan, ICU charges are covered up to 5% of the sum insured subject to a maximum of Rs. 10,000/- per day.
Medical expenses incurred before the hospitalization of the policyholder.
Coverage status under Reliance Arogya SanjeevaniPlan?
This plan covers medical expenses incurred during pre-hospitalization for up to 30 days.
Medical expenses incurred after the discharge of the policyholder from the hospital.
Coverage status under Reliance Arogya SanjeevaniPlan?
This plan covers medical expenses incurred during post-hospitalization for up to 60 days.
Home hospitalization arrangements for the insured person due to the unavailability of medical amenities in hospitals. The treatment should last equal to or more than 72 hrs to get financial coverage.
Coverage status under Reliance Arogya SanjeevaniPlan?
Under Reliance Arogya SanjeevaniPlan, domiciliary hospitalization is not covered.
Treatments that can be treated in less than 24 hours of hospitalization like blood dialysis, cataract, etc.
Coverage status under Reliance Arogya SanjeevaniPlan?
This plan covers the expenses of daycare procedures up to SI.
Covers the cost of doctor consultation and prescribed medical tests that may not require hospitalization.
Coverage status under Reliance Arogya SanjeevaniPlan?
Not covered under the plan.
COVID-19 treatment includes the cost of treatment for COVID-19 with a confirmative diagnosis from Govt. approved Centre.
Coverage status under Reliance Arogya SanjeevaniPlan?
COVID-19 treatment cover is unavailable under this plan.
A common eye condition in which your vision gets blurred.
Coverage status under Reliance Arogya SanjeevaniPlan?
The plan covers cataract treatment up to 25% of SI or Rs.40,000/-, whichever is lower, per eye, under one policy year.
For every claim-free year, insurance companies reward policyholders with an increase in the Sum Insured amount as a no-claim bonus on policy renewal. However, in the case of a claim, this bonus amount either lapses or is reduced by a certain percentage that varies from plan to plan.
Coverage status under Reliance Arogya SanjeevaniPlan?
The plan offers an Increase in the sum insured by 5% in respect of each claim-free year subject to a maximum of 50% of SI.
Automatic restoration is a benefit in which an insurance company restores the sum insured amount completely or up to a certain percentage after it gets fully exhausted in treatments. This restoration amount may vary from plan to plan.
Coverage status under Reliance Arogya SanjeevaniPlan?
Not Available.
It is a cash amount that you receive each day during the time of hospitalization.
Coverage status under Reliance Arogya SanjeevaniPlan?
The daily hospital cash is not available under the plan.
It is a cover that includes the cost of the procedure for removing the damaged or malfunctioning organs from the body.
Coverage status under Reliance Arogya SanjeevaniPlan?
Under the plan, Organ Donor expenses are not covered
It refers to the cover that includes expenses for normal and c-section procedures deliveries.
Coverage status under Reliance Arogya SanjeevaniPlan?
Not covered
It takes care of the medical expenses that arise due to the hospitalization of the newborn baby in case of unforeseen circumstances. Some of the common treatments that are covered under the newborn cover and these common treatments can vary from plan to plan:
Coverage status under Reliance Arogya SanjeevaniPlan?
Not covered
Refers to the cost of medicines and procedures used under AYUSH (Ayurveda, Yoga & Naturopathy, Unani, Siddha, and Homeopathy) treatment.
Coverage status under Reliance Arogya SanjeevaniPlan?
The medical expenses for in-patient treatment taken under Ayurveda, Unani, Siddha, and homeopathy are covered without sub-limits.
In Vitro Fertilization (IVF) is a method of assisted reproductive technology. The common expenses incurred under IVF and infertility treatments are for:
Coverage status under Reliance Arogya SanjeevaniPlan?
Not available
Medical treatments that demand the use of modern technology such as robotic surgeries, stem cell therapy, etc.
Coverage status under Reliance Arogya SanjeevaniPlan?
Special treatments are covered with up to 50% of the sum insured under Arogya Sanjeevani health insurance.
An ambulance is used to move the patient from home to hospital, transfer to another hospital, and take them for different tests outside the hospital.
Coverage status under Reliance Arogya SanjeevaniPlan?
Not Covered
Air ambulances are specially prepared planes that transfer the patient from one place to another in case of a health emergency.
Coverage status under Reliance Arogya SanjeevaniPlan?
Covered up to ?2000 per hospitalization.
Refers to the traveling expenses of a family member of the insured person in case the policyholders get admitted to a hospital outside his/her residential city.
Coverage status under Reliance Arogya SanjeevaniPlan?
Not available
Any kind of medical/health emergency when you are outside of India.
Coverage status under Reliance Arogya SanjeevaniPlan?
Not available
If a policy offers E-consultation it allows policyholders to connect with a doctor for medical consultation through video chat, audio call, or chatbot.
Coverage status under Reliance Arogya SanjeevaniPlan?
The plan does not cover the expenses for E-consultation.
A facility where the policyholder can avail free health check-ups after fulfilling the company's policies.
Coverage status under Reliance Arogya SanjeevaniPlan?
Not Covered
If the policyholder wants, they may opt for a second medical opinion wherein the policyholder can consult another doctor within the company’s network of medical practitioners.
Coverage status under Reliance Arogya SanjeevaniPlan?
Not Covered
Coverage against the expenses incurred on vaccinations is provided by the insurance companies.
Coverage status under Reliance Arogya SanjeevaniPlan?
The plan covers vaccination expenses.
In the co-payment clause, policyholders have to pay a portion of the hospitalization expense on their own and the insurer will pay the rest of the amount.
Status under Reliance Arogya SanjeevaniPlan?
Co-payment is applicable, 5% for all claims.
Sub limit is a condition in which the insurer will have to pay the medical expense up to a certain percentage and the remaining amount will have to be paid by the policyholder.
Status under Reliance Arogya SanjeevaniPlan?
Sub-limits are applicable for Cataract treatment.
Reliance Health Insurance Network Hospitals are present in 28 states across the country. With an extensive network of hospitals, Reliance Health Insurance ensures that whatever city you live in, you are medically protected.
Permanent diseases or health conditions that are not included under Arogya Sanjeevani plan are:
Hospitalization out of war, riot, strike, and nuclear weapons
Intentional self-injury
AIDS
Miscarriage, and abortion
Congenital disease
Infertility and in vitro fertilization
Certain diseases and treatments are covered under this plan after a certain time period. Read the details below:
Listed ailments after 48 Months
Pre-existing diseases after 24/48 Months
Reliance Health offers a wide range of health insurance plans to fulfill the medical needs of individuals, families, and senior citizens.
Comprehensive Plan
Available in Individual as well as Family Floater Plans, the plan offers comprehensive coverage with in-patient treatment, and several add-on features.
Unique Features
Comprehensive Plan
A plan that covers you and your family offering a sum insured of 5 lakhs to 5 crores. The plan offers 15 different types of discounts.
Unique Features
Personal Accident Plan
Reimburses the medical expenses incurred during the treatment arising out of the accident and covers disability or death caused by accidents.
Unique Features
Affordable Plan
An affordable and comprehensive policy that covers medical expenses & offers flexibility by providing 3 variants- Gold, Silver & Standard.
Unique Features
Critical Illness Plan
Reliance critical illness health insurance is specifically designed to provide protection to an individual against 10 life-threatening diseases.
Unique Features
Hospital Cash Benefits
A hospital cash benefit plan provides a lump sum payout on listed surgeries and daycare procedures occurring due to illness and injuries.
Unique Features
Super Top-up Plan
Cover the expenses of the treatment after your basic health insurance coverage is exhausted. The plan offers coverage of upto INR 1.30 Crore.
Unique Features
Standard Plan
A standard and affordable health plan that offers medical coverage to individual and their families with a coverage of up to 10 Lakhs.
Unique Features
Personal Accident Plan
Saral Suraksha Bima protects the insured for an accident and its aftermath like death or permanent disability.
Unique Features
Group Health Plan
A comprehensive plan that covers a group of people working in an organization, & looks after unexpected medical expenses of the group members.
Unique Features
Corona Plan
An affordable health insurance policy that protects you and your family against hospitalization expenses that occur due to COVID-19.
Unique Features
Corona Plan
An affordable health insurance policy that offers lump sum benefits to the insured if diagnosed with COVID-19.
Unique Features
See More Health Insurance Articles
See More Health Insurance Articles
Yes, Reliance Arogya Sanjeevani policy offers a sum insured up to INR 10 lakhs.
Below-mentioned is the special treatments covered under the Arogya Sanjeevani Insurance Policy offered by the Reliance General Insurance:
No, there is no requirement for a pre-medical check-up by the Reliance Arogya Sanjeevani Policy.
The following are the waiting periods for the 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:
Pre-Hospitalization covers medical expenses incurred 30 days prior to the date of hospitalization and Post- Hospitalisation covers medical expenses incurred up to 60 days from the date of discharge.
Yes, 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.
Vidya Bhan
Bhopal
June 13, 2022
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
Satendar Singh
Kochi
May 25, 2022
Reliance General Health Insurance comes with several health plans that lets you choose the ideal one for your family. I recently bought a Reliance Health plan for my whole family, and we are ha...
Tulika Sharma
Mumbai
October 12, 2021
got hospitalized receently for a surgery...the company responded the minute my claims were raised. Good support! Thanks!
Mayank Tyagi
Indore
October 11, 2021
I m impressed with the service provided by Executives of Reliance Health. They assisted me very patiently
Kashi Pradhan
Allahabad
September 1, 2021
Bought the health plan for my parents. now I m assured that their health is not compromised due to money :)
Puneet sharma
Chandigarh
August 18, 2021
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.
Roopal Ganguly
Jaipur
May 10, 2021
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.
Rishabh Kalra
Indore
May 6, 2021
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.
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