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Reliance Arogya Sanjeevani Health Insurance

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Reliance Health Insurance
Arogya Sanjeevani Policy
Cashless Approval TAT4 hour Cashless Claim Processing
Claim Settlement100%
Network Hospitals8,600+
Pre-existing Disease Waiting Period1 year
Special BenefitsMore Cover, More time, More Global
Starting Premium for Rs. 5 lakhs coverageRs. 243/month

About Reliance Arogya Sanjeevani Health Insurance

Arogya Sanjeevani Policy, Reliance General Insurance is a standard health insurance policy that covers you and your family for basic healthcare expenses, at an affordable premium. If you are aged between 18 years and 65 years, then you can purchase this policy either on an individual or floater sum insured basis. On a family floater basis, you can include self, as well as other family members including legally wedded spouse, dependent children, parents, and parents-in-law. The policy comes with a wide range of sum insured options starting from Rs. 1 Lakh and Rs. 5 Lakh, in multiples of Rs. 50,000. It is an annual policy that can be purchased for 1 year. The policy is easy to understand and can be purchased online by following a few simple steps.

The policy comes with a wide range of coverage benefits. Some of these include cover for in-patient hospitalisation expenses, pre-hospitalisation and post-hospitalisation expenses, daycare expenses, road ambulance expenses, treatments taken under AYUSH systems of medicines, etc. It is an annual policy that can be purchased for 1 year. However, the policy comes with lifetime renewability benefits, which means that you can keep renewing it without any lapse. Another policy highlight is that for every claim-free year, you can enjoy a No Claim Bonus of 5% of the sum insured. The NCB is calculated on a cumulative basis and can be availed for a maximum of 50%. In short, Arogya Sanjeevani Policy, Reliance General Insurance is a suitable policy for those looking for a wide range of coverage benefits at an affordable premium.

Read more: Arogya Sanjeevani Policy

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Key Inclusions and Exclusions of the Plan

What's Included

  • Cataract treatment covered up to 25% of sum insured, up to Rs. 40,000, whichever is lower, per eye, per policy term
  • 30 days pre-hospitalisation and 60 days post-hospitalisation expenses
  • Dental treatment and plastic surgery necessitated due to any disease
  • Daycare procedures are covered under this plan
  • In-patient treatment taken under AYUSH
  • Emergency road ambulance expenses for up to Rs. 2,000 per hospitalisation

What's Not Included

  • Domiciliary hospitalisation expenses are not covered under this plan
  • Expenses related to outpatient treatment
  • Expenses related to dietary supplements and substances
  • Treatments required due to participation in hazardous activities or adventure sports
  • Admission due to investigation and evaluation purpose
  • Treatment taken outside the geographical boundaries of India

9120 Reliance Cashless Network Hospitals in India

Claim Process at Reliance Health Insurance

  • Network Hospital
  • Non-Network Hospital
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation as soon as it occurs and for planned hospitalisation intimate as soon as it occurs prior to admission.
  • 3

    Claim Processing

    Fill in the pre-authorisation form and hand it over to hospital's insurance/TPA desk to initiate claim request.
  • 4

    Claim Settlement

    Once your request is approved, claim is settled. If not approved, claim for reimbursement after discharge.
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation as soon as it occurs and for planned hospitalisation intimate as soon as it occurs prior to admission.
  • 3

    Claim Processing

    Submit claim form with original documents such as doctor’s reports, hospital bills, diagnostic tests, etc.
  • 4

    Claim Settlement

    Once your request for reimbursement of expenses is approved, the claim will be settled.

FAQs on Arogya Sanjeevani Policy Health Insurance Plan

  • What is the eligibility for Arogya Sanjeevani Policy, Reliance General?

    To be eligible to buy Arogya Sanjeevani Policy, Reliance General, you must be aged between 18 years and 65 years. Children aged between 3 months and 25 years can also be included under the policy. Note that the children aged more than 18 years who are financially independent are not eligible to be covered under the policy.  

  • What are the waiting periods under Arogya Sanjeevani Policy, Reliance General?

    Arogya Sanjeevani Policy, Reliance General comes with the following waiting periods: 

    • Initial waiting period of 30 days 
    • Waiting period of 48 months for pre-existing diseases
    • Waiting period of 24 months/48 months for specific diseases

     

  • Will I be required to undergo medical check-up to be covered under Arogya Sanjeevani Policy, Reliance General?

    No. There is no requirement of pre-medical check-up to be covered under Arogya Sanjeevani Policy, Reliance General.

  • Will I get cumulative bonus under Arogya Sanjeevani Policy, Reliance General?

    Yes. You will get an increase in sum insured by 5% for every claim free year subject to a maximum of 50% of the sum insured. In case a claim is made, then the cumulative bonus will be reduced at the same time. 

  • What are the special treatments covered under Arogya Sanjeevani Policy, Reliance General Insurance?

    Following are the special treatments covered under Arogya Sanjeevani Policy, Reliance General Insurance, for up to 50% of the sum insured:

    • Balloon sinuplasty
    • Stereotactic radio surgeries
    • Deep brain stimulation
    • Vaporisation 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 injection
    • Robotic surgeries
    • IONM-(Intra Operative Neuro Monitoring)
    • Stem cell therapy

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