A simple and affordable health plan designed to meet your insurance needs
In the unprecedented times that we live in, covering oneself with a health insurance cover has become a necessity. Here's an easy to buy plan with that covers all your inpatient hospitalisation needs with a wide range of sum-insured option ranging between ₹1 lac to ₹5 lacs, in multiplies of ₹50,000.
Section 1: Basic Benefits
Inpatient Care: Covers medical expenses like room rent, ICU charges, medical practitioners fee, OT charges, nursing charges etc. incurred during hospitalization due to an illness or accident for period more than 24 hrs.
Special Treatments: Special treatments as listed below are covered with up to 50% of the sum-insured:
Day Care Procedures: Medical expenses incurred for day care procedures taken at a hospital or day care centre. 24 hours mandatory hospitalization is not necessary in the day care procedure.
Cataract Treatment^: Cataract treatment is covered op to 25% of Sum insured or Rs.40,000/-, whichever is lower, per eye, under one policy year.
Ayush Benefit: The medical expenses for in-patient treatment taken under Ayurveda, Unani, siddha and homeopathy are covered without sublimits.
Pre- Hospitalisation: Covers medical expenses incurred 30 days prior to the date of hospitalisation.
Post- Hospitalisation: Covers medical expenses incurred up to 60 days from the date of discharge.
Emergency Road Ambulance: Actual expenses incurred for utilizing road ambulance service for transporting the insured to the nearest hospital with adequate emergency facilities is covered upto ₹2000 per hospitalisation.
Dental Treatment and Plastic Surgery: Dental treatment & Plastic surgery necessitated due to any disease or accidental injury is covered
Section 2: Co-payment and Cumulative Bonus
Cumulative Bonus: Increase in the sum insured by 5% in respect of each claim free year subject to a maximum of 50% of SI. In the event of claim the cumulative bonus shall be reduced at the same rate.
Co-payment: 5% for all claims
^24 Months waiting period is applicable for Cataract Treatment
|Age||Child: 91 days to 25 years*
Adult: 18 years to 65 years*
|Policy Type||Individual and Family Floater|
|Policy Period||1 year|
|Sum insured||1 lac, 1.5 lacs, 2 Lacs, 2.5 lacs, 3 lacs, 3.5 lacs, 4 lacs, 4.5 lacs and 5 Lacs|
*Age based on completed years, No maximum cover ceasing age
|Waiting Period Type||Duration and Specifics|
|First Policy Waiting Period||A waiting period of 30 days once the fresh policy is issued is applicable to all claims unless insured suffers an accident.|
|Pre-existing Diseases waiting period||Pre-existing Diseases(PED) and it's direct complications shall not be covered until the completion of 48 months of continuous coverage have elapsed, since inception of the policy provided that the PED is declared and/or accepted in the proposal.|
|Specific waiting period||A specific waiting period of 24/48 months is applicable on specific diseases as mentioned in policy as long as insured is in his/her third year of policy without break
24 months waiting period
48 Months waiting period
|Length of time Policy in force||Refund of premium|
|Up to 15 days||Premium paid will be refunded (minus) any expenses incurred by the Company on medical examination of the insured person and the stamp duty charges|
All permanent exclusions shall apply individually for each Insured Person under the Arogya Sanjeevani health policy and claims shall be assessed accordingly.
We will not make any payment for any claim in respect of any Insured Person directly or indirectly for, caused by, arising from or in any way attributable to any of the following unless expressly stated to the contrary in this Policy:
*All exclusions are subject to terms and conditions of the policy, please read complete policy wordings before concluding sales
Click here to read the policy wordings to know more about the exclusions of Arogya Sanjeevani Health Insurance Policy
A decent policy by Reliance which covers hopitalization and helped me recover expenses.
It is a good health insurance policy which cover hospitalization and helped me avail cashless hospitalization
I could select and customize the health insurance plan as per my needs. It was good to purchase the health insurance plan as needed.
I paid my own bills last year when I was admitted to the hospital and it was painful as I didn't had a health insurance policy
|#||Name of Insurer||Policy No.||Policy Start Date||Policy End Date||Type of Cover||Sum Insured||CB||Action|
Your final premium will be revised due to PEDOK