Arogya Sanjeevani Plan
  • AYUSH benefits covered
  • Inclusions and Exclusions
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Reliance Arogya Sanjeevani Plan

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.

Reliance Arogya Sanjeevani Plan Specifications

Entry Age

Minimum: Children- 91 days to 25 years Adult: 18 years

Entry Age Max.

Maximum: 65 Years

Plan Type

Individual/ Family Floater

Policy Term

1 year

Sum Insured

1 L | 2 L | 3 L | 4 L | 5 L | 6 L | 7 L | 8 L | 9 L | 10 L

Initial Waiting Period*

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.

Read more specifications in the brochure.

Choose your Reliance Arogya Sanjeevani 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

In-patient & Out-patient Coverage

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

Coverage Terms

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

Alternative Treatments

AYUSH Treatment

Covered up to SI

IVF Treatment

Not Available

Modern Treatment

Available

Emergency Coverage

Ambulance

Covered up to ?2000

Air Ambulance

Not Available

Compassionate Travel

Not Available

Global Coverage

Not Available

Wellness Programmes

E-Consultation

Not Available

Health Check-Up

Not Available

Second Medical Opinion

Not Available

Vaccination

Available

Limitations

Co-payment

Applicable, 5% for all claims

Sub-limits

Available

What is Room Rent?

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:

  • Private Single AC Room
  • Twin Sharing
  • General Ward

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.

What are ICU Charges?

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.

What is Pre Hospitalization?

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.

What is Post Hospitalization?

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.

What is Domiciliary Hospitalization?

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.

What is Daycare Treatment?

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.

What are OPD charges?

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.

What is COVID-19 Treatment?

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.

What is Cataract Treatment?

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.

What is a No-Claim Bonus?

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.

What is Automatic Restoration?

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.

What is Daily Hospital Cash?

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.

What is an Organ Donor Cover?

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

What is a Maternity Cover?

It refers to the cover that includes expenses for normal and c-section procedures deliveries.

Coverage status under Reliance Arogya SanjeevaniPlan?

Not covered

What is a New Born Baby Cover?

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:

  • Congenital anomaly (conditions since birth)
  • Acute condition
  • Chronic condition
  • Pre-mature delivery
  • Birth asphyxia
  • Day care treatment

Coverage status under Reliance Arogya SanjeevaniPlan?

Not covered

What is AYUSH Treatment?

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.

What is IVF Treatment?

In Vitro Fertilization (IVF) is a method of assisted reproductive technology. The common expenses incurred under IVF and infertility treatments are for:

  • Full infertility
  • No fertility
  • Infertility diagnosis
  • Infertility diagnosis and limited fertility treatment
  • Medication (which may or may not include fertility drug prescriptions)

Coverage status under Reliance Arogya SanjeevaniPlan?

Not available

What is a Modern Treatment?

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.

What is an Ambulance Cover?

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

What is an Air Ambulance?

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.

What is Compassionate Travel?

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

What is Global Coverage?

Any kind of medical/health emergency when you are outside of India.

Coverage status under Reliance Arogya SanjeevaniPlan?

Not available

What is E-Consultation?

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.

What is a Health Checkup?

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

What is a Second Medical Opinion?

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

What is Vaccination cover?

Coverage against the expenses incurred on vaccinations is provided by the insurance companies.

Coverage status under Reliance Arogya SanjeevaniPlan?

The plan covers vaccination expenses.

What is Co-payment?

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.

What is the Sub limit?

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 Hospital List

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.

Reliance Arogya Sanjeevani Plan Exclusions

Permanent Exclusions

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

Coverage after Waiting Period

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

Explore Reliance Health Insurance

Know more about Reliance Health Insurance, its claim process, buying process, and contact details by clicking on the sections below:

Explore other Reliance Health Plans

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

  • Waiver of premium on critical illness
  • Consumables Covered
  • Cumulative Bonus of 33.33%

Comprehensive Plan

Comes with a number of amazing benefits and discounts. The plan offers a wide range of sums insured from Rs. 3 Lacs to Rs. 1 crore.

Unique Features

  • No Sub-limits on benefits
  • Robotic surgery for quick recover
  • 90 days free cancellation

Personal Accident Plan

Reliance Personal Accident Insurance Policy

Reimburses the medical expenses incurred during the treatment arising out of the accident and covers disability or death caused by accidents.

Unique Features

  • Child Education Benefit
  • Avail World Wide coverage
  • Zero Paperwork required

Affordable Plan

Reliance HealthWise Insurance Policy

An affordable and comprehensive policy that covers medical expenses & offers flexibility by providing 3 variants- Gold, Silver & Standard.

Unique Features

  • 7% discount for girl child
  • No sub limit on room rent
  • Nursing allowance available

Critical Illness Plan

Reliance Critical Illness Insurance Policy

Reliance critical illness health insurance is specifically designed to provide protection to an individual against 10 life-threatening diseases.

Unique Features

  • No pre-medical required
  • Lump-sum Payment
  • Coverage up to 10 Lakhs

Hospital Cash Benefits

Reliance HospiCare Insurance

Reliance Hospi Care Insurance is a hospital cash benefit product that provides a lump sum payout listed surgeries and daycare procedures occurring due to illness or injury.

Unique Features

  • 150+ surgeries covered
  • Pre-policy health check-ups covered
  • Dengue hospitalization covered

Super Top-up Plan

Reliance Super-Top up Insurance

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

  • Maternity expenses
  • Air Ambulance cover
  • Worldwide Emergency Cover

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

  • Coverage against special treatments
  • Daycare treatments covered
  • Dental Treatment

Personal Accident Plan

Reliance Saral Suraksha Bima

Saral Suraksha Bima protects the insured for an accident and its aftermath like death or permanent disability.

Unique Features

  • SI of 1 crore
  • Discount on add-on
  • Lifelong renewal

Group Health Plan

Reliance Group Mediclaim Policy

A comprehensive plan that covers a group of people working in an organization, & looks after unexpected medical expenses of the group members.

Unique Features

  • Bariatric surgery covered
  • Pre & post hospitalization
  • Maternity Benefit available

Corona Plan

An affordable health insurance policy that protects you and your family against hospitalization expenses that occur due to COVID-19.

Unique Features

  • Coverage up to 5L
  • Home cover available
  • Hospital daily cash cover

Corona Plan

Corona Rakshak Policy

An affordable health insurance policy that offers lump sum benefits to the insured if diagnosed with COVID-19.

Unique Features

  • Coverage up to 2.5L
  • Affordable premiums
  • Avail lumps benefit

Health Insurance Articles

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

5. Is dental treatment covered in Arogya Sanjeevani Plan?

No. However, dental treatment necessitated due to any disease or accidental injury is covered.

6. Does Reliance Arogya Sanjeevani Policy cover cataract treatment?

Cataract treatment is covered up to 25% of the Sum insured or Rs.40,000/-, whichever is lower, per eye, under one policy year.

7. What are the various modern or specialized treatments covered by Reliance Arogya Sanjeevani Plan?

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

8. What are the pre and post-hospitalization coverage periods under Reliance Arogya Sanjeevani Plan?

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.

9. Are Ayurvedic treatments covered under Arogya Sanjeevani Plan?

Yes, Arogya Sanjeevani Plan covers AYUSH treatment without sub-limits.

10. Is there any cumulative Bonus available under Reliance Arogya Sanjeevani Policy?

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.

Reliance Arogya Sanjeevani Plan Review

Read what customers have to say about Reliance Arogya Sanjeevani health Insurance.

Customer Review Image

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

Customer Review Image

Tulika Sharma

Mumbai

October 12, 2021

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

Customer Review Image

Mayank Tyagi

Indore

October 11, 2021

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

Customer Review Image

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 :)

Customer Review Image

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.

Customer Review Image

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.

Customer Review Image

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.

Customer Review Image

Kanchi paul

Lukhnow

May 4, 2021

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.

View All Reliance Arogya Sanjeevani Plan Reviews