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Arogya Sanjeevani Health Insurance Policy

  • In-Patient Hospitalization including - AYUSH
  • 30 Day Pre & 60 Day Post-Hospitalization
  • 5 % increase in Cumulative Bonus for each claim free policy
7400+

Network Hospitals

93%

Insurance Claim
Settlement Ratio

247

Claim
Support

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Any past or ongoing medical conditions of any insured member Any Condition, aliment or injury for which the insured person had signs or symptoms and/or were diagnosed, and/or received medical advice/treatment within 48 months prior to the first policy issued by the insurer.

 

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Arogya Sanjeevani (For 5 Lacs)

rupee ---- /Year

(Premium includes 18% GST)

KEY BENEFITS

Cashless Hospitalization Expenses

The policy provides cashless hospitalization up to the maximum sum insured of Rs.5 lakhs with ambulance cover-up to Rs.2000/- per hospitalization. It covers all sorts of hospitalization expenses, treatment, and medical costs. So, you can focus on your recovery while we take care of your bills.

AYUSH Treatment

The expenses incurred for alternate treatment methods like AYUSH (Ayurveda, Unani, Siddha, and Homeopathy) are also cover up to sum insured. So, it gives you an option to take other treatment methods if allopathic does not suit you.

Coverage for Cataract Treatment

comes under day care treatment that is also covered under Arogya Sanjeevani up to 25% of sum insured or Rs.40, 000/- per eye, whichever is lower.

Pre and Post-Hospitalization Medical Expenses

The policy also provides coverage for pre-hospitalization expenses up to 30 days and post-hospitalization for 60 days from the discharge date up to the sum insured.

Cumulative Bonus (CB)

You can also get a cumulative bonus for the claim-free policy year. In that case, the sum assured will be increased by 5% provided and the policy is subjected to a maximum bonus of 50% of the sum assured.

Co-payment

co-payment of 5% on all the claims is mandatory for all the policyholders. Rest will be paid by us.

Copyright. Religare Health Insurance.

Policy Benefits of Arogya Sanjeevani

Cover Highlights

Cataract Treatment

Cataract Treatment

Diagnosis

Diagnosis & tests

Emergency-Ambulance

Emergency Ambulance

Hospitalization

hospitalization
(more or less than 24 hrs)

Post-Hospitalization

Post-hospitalization
Expenses

Benefits of Arogya Sanjeevani Individual Health Policy
  5 Lacs
Hospitalization Expenses Up to SI
AYUSH Treatment Up to SI
Cataract Treatment Up to 25% of SI or Rs.40,000/- per eye, whichever is lower
Pre-Hospitalization
The procedures that you undergo before getting hospitalized finally lead you to a hospital, such as investigative tests and routine medication, can be quite financially draining. We cover the medical expenses incurred by you up to 30 days before your hospitalization.
30 days
Post-Hospitalization
We cover the relevant medical expenses such as doctor consultations, Diagnostic tests, medications etc. incurred up to 60 days post your hospitalization.
60 days
Cumulative Bonus (CB)
Max up to 50% of SI(If in case a claim has been paid; decrease in the accrued CB at same rate at which it has been accrued)
5% increase in SI per Policy Year in case of claim-free year*
Co-payment Mandatory Co-Pay of 5% on every claim
Ambulance Cover
In an emergency, we reimburse expenses incurred by you for availing a domestic road ambulance during your hospitalization.
Rs.2,000/ Hospitalization

Arogya Sanjeevani plan details

Arogya Sanjeevani Health Plan Details

  • Entry Age-Minimum

    • Individual: 5 years

    • Floater: 3 months with at least 1 member of age 18 years or above

  • No upper age limit for enrollment.

  • Life long Renewability of policy under the then prevailing Health Insurance Product or its nearest substitute approved by IRDA.

  • Co-payment- 5% applicable on each and every claim in the policy

  • Premium to be paid on renewal and the subsequent continuation of cover are subject to change with prior approval from IRDA.

  • 30-day Waiting Period for claim for all illnesses, except injury.

  • Grace period of 30 days to renew your policy once it expires.

  • Named ailment wait period - Some of the diseases carry 24 months wait period and few diseases have 48 months wait period (refer to policy Tnc for detail)

  • Pre existing disease wait period 48 months

Download Terms & Conditions
  • Expenses attributable to self-inflicted injury (resulting from suicide, attempted suicide).

  • Expenses arising out of or attributable to alcohol or drug use/misuse/abuse

  • Tests and treatment relating to infertility and in vitro fertilization.

  • War, riot, strike, nuclear weapons induced hospitalization.

Please refer to policy tnc for detail exclusion

STEP1

Cashless Insurance

Emergency

Intimate within 24 hours of your hospitalization

Planned Hospitalization

Intimate us 48 hours prior to your hospitalization

STEP2

Reimbursement Insurance Claim Form Submission

Cashless

Request for pre-authorization

Re-Imbursement

Claim from submission

Complete the pre-authorization form available
at the hospitals insurance/TPA Desk and send us through fax.

Approval

Approval

Approval letter sent by the claim management team

Query

Query

Hospital/Insured to response to the query raised by the claim management team

Rejected

Rejected

You may initiate the treatment and file for re-imbursement claim

Submission of claim form along with required
documents, as per the policy terms & conditions

Approval

Approval

Approval letter sent by the claim management team

Query

Query

Insured to response to the query raised by the claim management team

Rejected

Rejected

We will communicate the reason in case of rejection

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Voice of our customer

Sulbha Ravindra

review The customer support is really good and fast. It made the experience of buying a family health insurance plan really hassle-free

Ganesh Kumar

review Good customer service by Nadeem ! Prompt answers to all the queries related to family health insurance product

Gopinathan Pillai

review It was an awesome experience. I have purchased my family health insurance policy using the app in 10 minutes. The app is so smooth. Keep it up.

Avinash Tiwari

review Hassle Free insurance buying process. Highly Recommend Religare

Priyanka Singh

review Excellent health insurance plan! Covers annual health check-up for all family members
Ankita Sharma

My appreciation for your prompt service

At the outset I would like to express my appreciation for your prompt service in taking up the case regarding my claim. I have received your intimation regarding the acceptance of my claim and had a minor query as to what is the claim amount settled by you. Thank you. View more

Ankita Sharma

Health Insurance

Indubala Nambiar

We will continue to avail of your scheme.

Thank you for settling the claim amount. Kindly inform me when the amount is remitted to the credit of my bank account with the Bank of Baroda. We will continue to avail of your scheme when we travel abroad. View more

Indubala Nambiar

Health Insurance

Vikas Singh

Everything went very smooth

I would like to pass on my appreciation for Virender who guided me during the difficult time. He helped me at every stage and didn’t keep me waiting. Due to his efforts, I was relaxed and everything went very smooth while my wife was recovering from typhoid. Thanks Virender you are a star! View more

Vikas Singh

Health Insurance

Sahil Khattar

Really helpful explaining the process in advance

I just wanted to thank you for the exceptional response from you on the recent cashless reimbursement request related to my mother’s operation. You were really helpful explaining the process in advance before the treatment and also during the final settlement. View more

Sahil Khattar

Health Insurance

Aditya Sharma

Finalising my claim in a short period

I must express my profound appreciation for finalising my claim in a short period. I have heard of insurance companies with holding payment or rejecting it outright on very flimsy grounds as they are averse to parting with their money. It was not the case with Religare health insurance. Thank you, may your tribe grow. View more

Aditya Sharma

Health Insurance

Zeroing in on a health insurance plan for your family is a tricky choice, given the number of insurers in the market who offer similar policies. It is not wise to simply choose the policy with the lowest amount of premium. You need to compare different policies, their features and benefits. Religare Health Insurance (RHI) is a specialist Health Insurer and offers products keeping in mind the needs of a customer in the event of a medical exigency. RHI offers a distinct set of benefits giving a clear choice for providing you with the best possible health insurance.

whyreligare

Awarded as Claims
Leader of the year

whyreligare

7 Lakh+ Total claims paid

whyreligare

Cashless claim approval
in approx. 2 hours

About Arogya Sanjeevani Health Insurance Policy

With the rising medical inflation, increase in lifestyle-related diseases, and the outbreak of new viral infections, the need for the right health insurance has increased. But, with a plethora of health insurance plans available, customers are getting confused and selection process is getting complicated and time-consuming.

Therefore, to help our customers, we have introduced Arogya Sanjeevani Health Insurance. It is a standard health insurance product that offers maximum coverage of INR 5 Lakhs with comprehensive health care at an affordable premium. It simplifies the health insurance buying decision of the customers.

Alike basic health insurance plan, Arogya Sanjeevani policy also covers the costs of hospitalization, consultation, surgeon fees, anesthetists’ fees, specialists' fees, etc. Additionally, expenses related to the treatment, such as surgical equipment, oxygen, operation theatre charges, and diagnosis, are also covered under the policy.

Importance of Arogya Sanjeevani Health Policy

Arogya Sanjeevani is a well-crafted health insurance plan designed for a common man to lessen the complexities of health insurance policies. Read how it is beneficial for policyholders in more ways:

Standardized Product - It is a standardized product and one-stop solution for all your health care needs. The policy can be purchased as an individual or family floater policy.

Portability- Porting is available easier for policyholders without being worried about losing their continuity benefits.

Lower Premium- You do not need to pay a high premium to opt for this policy. The amount of premium is low and with the option of paying a premium on an installment basis.

Refund and Cancellation- Refund under this plan is allowed up to six months from the date of issuance. You will also get a refund of the premium in case you cancel the policy.

Lifelong Renewability- It is a very good policy that comes with lifelong renewability. It ensures that your policy can be renewed for life without any restrictions or age bar.

Easy Claim Process- Its claim process is simple and much easier. You do not need to go through the cumbersome claim formalities. You will get hassle-free and timely claim.

How does Arogya Sanjeevani Health Insurance Work?

At Religare, Arogya Sanjeevani Individual Health Insurance aims to cover the basic health care needs of the individuals irrespective of the age. The policy works on the basis of below mentioned things:

  • Entry age is 18 to 65 years with no age limit
  • 5% co-payment clause
  • Sub-limits of room rent- up to 2% or the maximum amount of Rs.5,000 per day
  • 30 days waiting period

Key Features of Arogya Sanjeevani Health Insurance Plan

Arogya Sanjeevani health insurance is decent plan for our customers who want a good health insurance policy that cater their medical needs. Here you can have a look at the basic features of this policy.

  • In-Patient Hospitalization including – AYUSH (Ayurveda, Unani, Yoga and Naturopathy, Siddha, and Homeopathy)
  • Pre & Post-Hospitalization for 30 and 60 days respectively
  • Up to 50% increase in Sum Insured with No-Claim Bonus
  • No add-ons or other variants can be added in the policy
  • No co-payment discount above 60 years of age
  • Discounts of 2.5 to 5% will be provided to cover more than one person from the same family
  • Tax Benefit u/s 80D

Benefits of Buying Arogya Sanjeevani Health Insurance for Individuals

Our Arogya Sanjeevani health insurance seems a better way to eliminate the ambiguity and confusion on customers’ part. The major benefits provided by this policy are listed below.

Cashless Hospitalization Expenses- The policy provides cashless hospitalization up to the maximum sum insured of Rs.5 lakhs with ambulance cover-up to Rs.2000/- per hospitalization. It covers all sorts of hospitalization expenses, treatment, and medical costs. So, you can focus on your recovery while we take care of your bills.

AYUSH Treatment- The expenses incurred for alternate treatment methods like AYUSH (Ayurveda, Unani, Siddha, and Homeopathy) are also cover up to sum insured. So, it gives you an option to take other treatment methods if allopathic does not suit you.

Coverage for Cataract Treatment- It comes under day care treatment that is also covered under Arogya Sanjeevani up to 25% of sum insured or Rs.40, 000/- per eye, whichever is lower.

Pre and Post-Hospitalization Medical Expenses- The policy also provides coverage for pre-hospitalization expenses up to 30 days and post-hospitalization for 60 days from the discharge date up to the sum insured.

Cumulative Bonus (CB) - You can also get a cumulative bonus for the claim-free policy year. In that case, the sum assured will be increased by 5% provided and the policy is subjected to a maximum bonus of 50% of the sum assured.

Co-payment- A co-payment of 5% on all the claims is mandatory for all the policyholders. Rest will be paid by us.

What does Arogya Sanjeevani Insurance Plan Cover?

We offer wide coverage under the Arogya Sanjeevani Insurance plan cover. Find below what it has included:

  • Coverage for Alternate Treatments (AYUSH)
  • Coverage for Cataract
  • Coverage for Pre and Post Hospitalization Expenses
  • Ambulance Expenses
  • Day Care Treatment

FAQs

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Most Frequently Asked Questions

Popular Questions

Q. Why is Arogya Sanjeevani Personal Health Insurance Important?

The IRDAI (Insurance Regulatory and Development Authority of India) has made it mandatory for the health insurance providers in India to offer a Standard Health Insurance Product. It is called Arogya Sanjeevani. It is important to ensure that common people can select their health insurance policies easily without facing any ambiguity.

Q. What is the Eligibility for this Health Insurance Plan?

The minimum entry age for the Arogya Sanjeevani policy is 18 years and the maximum entry age is 65 years. You can buy it for yourself, parents, spouse, parents-in-law, and children within the age of 3 to 25 years.

Q. Is there an Age Limit to Avail this Plan?

Yes, the minimum entry age is 18 years, and the maximum entry age is 65 years.

Q. How Can I Buy this Health Insurance Plan Online?

  • Enter your mobile number and Get the quote
  • Fill the required details
  • Make online payment.
  • You will receive an insurance policy on your registered email id and hardcopy through registered post

Alternatively our experience representative can also help you with this hassle free process.

Q. What are the Tax Benefits of Arogya Sanjeevani Individual Health Policy?

Under section 80 D, of the Income Tax Act 1961, the premium paid for Arogya Sanjeevani Individual Health Insurance is entitled to tax exemption.

Disclaimer:

Information above is just for reference. Kindly read T & C of policy thoroughly

Do refer IRDAI guidelines for tax exemption conditions

Arogya Sanjeevani plan details

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