Reliance Arogya Sanjeevani Policy

(45 Reviews)

*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply

*Tax benefit is subject to changes in tax laws. Standard T&C Apply

Get insured from the comfort of your home
Get insured from the comfort of your home
  • 1
  • 2
  • 3
  • 4

Who would you like to insure?

  • Previous step
    By clicking on “Continue”, you agree to our Privacy Policy and Terms of use
    Previous step

      Popular Cities

      Previous step
      Previous step

      Do you have an existing illness or medical history?

      This helps us find plans that cover your condition and avoid claim rejection

      Get updates on WhatsApp

      What is your existing illness?

      Select all that apply

      Previous step

      When did you recover from Covid-19?

      Some plans are available only after a certain time

      Previous step
      Advantages of
      entering a valid number
      You save time, money and effort,
      Our experts will help you choose the right plan in less than 20 minutes & save you upto 80% on your premium

      Reliance Arogya Sanjeevani Policy

      Reliance Arogya Sanjeevani policy is a simple and affordable health plan that helps people in meeting their medical insurance needs at a nominal premium.  This is a standard health insurance policy that has been designed as per the IRDAI guidelines. The eligibility criteria and coverage benefits of the plan are given below.

      Read More

      Reliance Arogya Sanjeevani Policy Eligibility Criteria

      Reliance Arogya Sanjeevani policy is an easy to buy a plan that helps you pay for inpatient hospitalization expenses, modern treatments, Ayush treatments with a wide range of sum-insured options from Rs 1 lakh to Rs 10 lakh.

      Eligibility Criteria



      Entry Age for Adults

      18-60 years

      Entry Age for Children

      91 days- 25 years

      Sum Insured

      Rs 1 lakh- Rs 10 lakh

      Policy Type

      Individual/Family Floater

      Policy Term


      Features of Reliance Arogya Sanjeevani Health Insurance Policy

      Arogya Sanjeevani policy, Reliance General Insurance provides the following features and benefits:

      • The policy sum insured ranges from Rs 1 lakh to Rs 10 lakh
      • Reliance Arogya Sanjeevani policy covers all the Day Care Procedures where 24 hours of hospitalization is not mandatory
      • 5% cumulative bonus is added for not filing a claim during the policy term
      • Pre-existing diseases can be claimed after a waiting period of 48-months is completed
      • The insured has an option to pay the premium in installments
      • Policy cancellation can be done within 15 days of the issuance

      Inclusions of Reliance Arogya Sanjeevani Health Insurance Policy

      The inclusions under the Arogya Sanjeevani health insurance plan are as listed under:

      • Hospitalization expenses including operation theatre, medicines, doctor fees, blood, oxygen, diagnostic tests are payable equal to Rs 5000 or 2% of the sum insured are claimable
      • The policy limit for Cataract Treatment is Rs 40,000 or 25% of Sum insured during the policy year
      • Ayush treatment expenses are covered such as in-patient treatment for Ayurveda, Unani,   homeopathy up to the policy amount
      • Pre- Hospitalization expenses coverage limit is 30 days and post-hospitalization expense coverage is 60 days
      • Emergency Road Ambulance services up to Rs 2000 for each hospitalization are provided in the Arogya Sanjeevani health insurance policy
      • Dental Treatment and Plastic Surgery as required during the treatment or accident or injury
      • ICU and ICCU expenses are claimable equal to Rs 10,000 on daily basis or 5% of the coverage amount
      • Ayush treatment cover is provided up to the sum insured limit

      Special/Modern Treatments

      Reliance Arogya Sanjeevani policy also covers the following modern treatments that are a part of today’s healthcare services:

      • Oral chemotherapy
      • Uterine Artery Embolization/High intensity focused ultrasound tests
      • Deep Brain stimulation
      • Intra vitreal injections
      • Immunotherapy
      • Robotic surgeries
      • Green laser treatment/ Prostate Vaporization
      • Intra Operative Neuro Monitoring
      • Bronchial Thermoplasty
      • Stem cell therapy ( as required in bone marrow transplant procedure)
      • Stereotactic radio surgeries
      • Balloon Sinuplasty

      Exclusions of Reliance Arogya Sanjeevani Health Insurance Policy

      Health insurance claims for Reliance Arogya Sanjeevani policy will not be payable for the following treatments:

      • Any claim filed in the initial 30-days of the policy purchase
      • Pre-existing illnesses until completion of 48-months of the continuous policy term
      • Domiciliary Hospitalization​​ expenses
      • Rest Cure, rehabilitation, and respite care​​ charges
      • Overseas treatments and Unproven Treatments are excluded
      • Maternity expenses are also not covered
      • Outpatient treatment (OPD) consultations

      How to File a Claim for Reliance Arogya Sanjeevani Health Insurance Policy?

      When filing a claim make sure that you inform the insurer within 24-hours of an emergency hospitalization or before getting discharged whichever is earlier.

      The process to file Reliance Arogya Sanjeevani health claims for both cashless and reimbursement processes is given below:

      Procedure for Reimbursement Claims

      The claim procedure for reimbursement of hospitalization expenses under the Reliance Arogya Sanjeevani policy is given below:

      • If it is a daycare and pre-hospitalization expense reimbursement claim then it needs to be intimated to the insurer within 30-days of the hospital discharge date
      • For post-hospitalization, you can inform within 15 days from completion of the treatment

      Procedure for Cashless Claims

      The treatment should be taken in a network hospital, which is subjected to authorization by the TPA or the Reliance Health Insurance Company:

      • For authorization send the complete claim form that is available with the TPA and network provider
      • Once the TPA/Company gets the cashless request claim form by you then a pre-authorization letter will be sent to the hospital post verification
      • While getting discharged from the hospital you need to pay the inadmissible expenses and sign the hospital discharge form
      • If all the documents and details provided as per the process your cashless claim will be processed else you can also file  for reimbursement

      Documents Required

      Here is the list of documents that you will need at the time of claim settlement:

      • Completed claim form
      • Patient’s ID proof/original bills/ doctor’s prescription for hospital admission
      • Payment receipts
      • Diagnostic reports/discharge summary/OT notes/ Invoice of the implants
      • Medico legal report, if required
      • NEFT Details
      • Customer KYC
      • Any other documents as required

      To know more about policy or claim assistance you can write to us at or speak to us at 1800-708-8787.


      Policybazaar exclusive benefits
      • 30 minutes claim support*
      • 50,000 claims approved in last 15 months*
      • Schedule home visit with our advisors
      • Get a plan based on your medical needs
      Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.

      Health insurance articles

      Recent Articles
      Popular Articles
      Should You Buy a Super Top-up Health Insurance Policy?

      18 Jan 2023

      India is abuzz with a variety of health insurance plans to cater
      Read more
      6 Reasons Why Your Cashless Health Claims Can Get Denied

      18 Jan 2023

      Cashless claims are one of the most lucrative benefits of buying a
      Read more
      Check Out the Mandatory KYC Documents for Health Insurance

      30 Dec 2022

      The Insurance Regulatory & Development Authority of India
      Read more
      What to Look for in a Health Insurance for Cancer Plan?

      20 Dec 2022

      Cancer is one of the biggest demons that the world faces today
      Read more
      What are the Factors Affecting Health Insurance Premium?

      20 Dec 2022

      Demand for insurance products in India, especially health
      Read more
      What are the Normal Thyroid Stimulating Hormone (TSH) Levels as Per Age?
      The thyroid gland is an important gland responsible to produce the right amount of hormones for normal body
      Read more
      How to Apply for Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (PM-JAY)?
      Ayushman Bharat Yojana is a flagship health insurance scheme launched by the Government of India to offer universal
      Read more
      Income Tax Slab for Women: Guide to Exemptions and Rebates
      In India, every person who earns beyond a certain limit is liable to pay income tax to the government. The tax
      Read more
      Best Health Insurance Plans for Senior Citizens in 2023
      Senior citizens are the most prone to diseases. Considering the medical inflation in India, buying health insurance
      Read more
      How Senior Citizens can save Tax with Medical Bills u/s 80 D?
      Senior citizens can save on income tax by availing tax benefits on medical expenses under Section 80D of the Income
      Read more

      Download the Policybazaar app
      to manage all your insurance needs.