Sign In

step 01

You've made the right choice!

A simple, affordable and standard health insurance policy for you and your family!

imgplan
Get Your Quote

step 02

Sum insured that you want to proceed with?

Number of members you want to insure?

Adult 18 years to 65 years*
Child 91 days to 25 years*
Next

step 03

DOB of the senior most insured member?

Please share your email id

Please share your mobile number

NEXT

step 04

Any member suffering from PED?

Get update on whatsapp?

step 05

Your quote is ready now!
(Insurance of 2 members without PED for a sum insured of Rs 6 lacs)

Estimated premium 10,000
Policy start date
Take me ahead
Premium breakup
  • Basic premium 10,500
  • Discount 500
  • Net premium 10,000
Final Premium 10,000

Whom are you insuring?

Please enter your details-

KYC insured name change for policy

Are you buying this policy for yourself?

 

Add details of the members you want to insure

Insured member 1

 

Thanks, Rahul! !

Please share the nominee details

Have any other insurance plan with us?

I want to update my Address

What’s your home address, Rahul?

Should we consider the nominee’s address same as your home address?

 

Your policy is ready Rahul! ! Confirm your details and join our family of 5 million happy customers instantly.

  • Premium break-up
    • Basic premium
    • Discount
    • Net premium
    • Final premium
  • Policy details
    • Cover type
    • Start date
    • Sum insured
    • Adult Members
    • Child Members
  • Insured member details
Here’s what you have unlocked with this policy

Please Add PED Details

Additional Insurance Details

Other Insurance Details

Additional Disease Details

Additional Insurance Details

Hey There!

Your final premium will be revised due to PED

OK

The Arogya Sanjeevani Policy is an affordable health plan introduced by the Insurance Regulatory and Development Authority of India (IRDAI) that offers essential, standardised coverage. The plan includes a sum insured ranging from ₹50,000 to ₹10 Lakh, covering a wide range of day care treatments, hospitalisation expenses, modern treatments such as robotic surgeries, AYUSH treatments, and more.

Our plan also includes coverage for dental treatments, plastic surgeries and pre- and post-hospitalisation expenses. For instance, coverage for cataract surgery will include hospitalisation expenses and medical expenses incurred 30 days before and 60 days after the hospitalisation.

With coverage of up to 25%* of the SI (up to ₹40,000) for cataract treatments and up to 50%* of the SI for special treatments such as chemotherapy, we offer complete protection. So, if you are a first-time buyer or a senior citizen seeking a trustworthy plan without compromising on coverage, our Arogya Sanjeevani Policy is perfect for buyers of all ages. Any disease, big or small, is covered comprehensively at affordable rates.

Arogya Sanjeevani Health Insurance

What is the Arogya Sanjeevani Policy?

Arogya Sanjeevani policy is a basic yet dependable health insurance policy that covers essential medical costs during hospitalisation. It takes care of expenses like room rent, nursing charges, ICU fees, doctors’ consultation fees, and more.

This policy is standardised by IRDAI. It ensures you do not have to worry about the financial side of a medical emergency and helps you focus on getting the best possible care. The core benefits and coverage remain the same across all insurance companies.

This policy mainly covers hospitalisation expenses, including room rent, doctor fees, medicines, ICU charges, and pre- and post-hospitalisation costs. It also includes coverage for day care procedures and AYUSH treatments, enhancing its practical value.

The policy period of the Arogya Sanjeevani Policy is one year. However, it offers lifelong renewability, allowing continued coverage without age-related restrictions, subject to policy terms. The policy is intended for individuals and families seeking essential health cover. It suits first-time insurance buyers, young families, senior parents, and people who want a basic plan without complex terms. Overall, it works as a reliable starting point for health insurance protection.

The Arogya Sanjeevani Policy is intended for individuals and families seeking essential health cover. It suits first-time insurance buyers, young families, senior parents, and people who want a basic plan without complex terms. Overall, it works as a reliable starting point for health insurance protection.

Key Features of Arogya Sanjeevani Health Insurance

Our Arogya Sanjeevani policy offers a cost-effective way to get medical coverage in India. By offering up to ₹10 lakhs coverage, you're covered for most health emergencies, even if you live in a metro city with high healthcare costs.

Flexible and High Sum Insured

Choose the SI amount between ₹50,000 and ₹10 lakhs based on your medical needs.

Policy Period

You get coverage for you and your family for up to 1 year with a lifetime renewability option.

Room Rent Coverage

Get up to 2%* of the SI (up to ₹5,000 per day) for room rent, boarding and nursing expenses.

ICU and ICCU Coverage

Get up to 5% of the SI (up to ₹10,000 per day) for ICU or ICCU expenses.

Coverage for Doctors’ Fees

Covers fees paid for surgeons, anaesthetists, doctors, consultants or specialists up to the SI.

Special Treatments

Covers Deep Brain Stimulation, Robotic Surgeries, Oral Chemotherapy, etc., up to 50%* of the SI.

Cataract Treatment

Covered up to 25%* of Sum Insured or ₹40,000 per eye per policy year, whichever is lower.

Coverage for Pre-Existing Diseases

Get coverage for declared pre-existing diseases after 36 months from the policy purchase date.

No Deductible

You do not have to pay any deductible, which means you get the entire claim amount.

Emergency Ambulance

Covers up to ₹2,000 per hospitalisation for emergency road ambulance services.

Tax Benefits

Get up to ₹1 lakh* tax benefits under Section 80D for health insurance plans.

10,000+ Network Hospitals

Experience seamless claim procedures at any of our top network hospitals across India.

24/7 Customer Support

Receive 24/7 assistance via our IndusInd Insurance app and +91 22 48903009, anytime, anywhere.

Co-Payment

You need to cover 5% for all claims, and we will cover the remaining 95% as per policy terms.

Why 5 Crore+ Policyholders Trust Us?

IndusInd Arogya Sanjeevani ensures you're supported at every step during a medical emergency. It's a standard health policy that offers health coverage at a much lower cost. Here's how we help you when it matters most:

AI-Assisted Claims
Fast and reliable claim approvals on our app

10,000+ Hospitals
Cashless treatment at top hospitals

24/7 Global Assistance
Expert Assistance, just a call away

10% Online Discount
On online policy purchase

Discounts Under the Arogya Sanjeevani Policy

10% Online & 10% Family Discount

Get a discount on online policy purchase, and when more than one member of your family takes the policy individually

3% Standing Instruction Discount

When more than one member of your family takes the policy on an individual basis.

5% Customer Loyalty Discount

If you are our existing customers, you are eligible to get a 5%* off on premiums.


Note: These discounts are subject to maximum limits. Please ensure you check your policy terms and conditions before purchase.

Arogya Sanjeevani Policy Coverage Details

Room Rent Limit (2% of Sum Insured)

Under the Arogya Sanjeevani Policy, room rent is capped at two percent of the total sum insured per day. This means you can choose a standard hospital room within this limit. Staying within the allowed room rent helps avoid extra out-of-pocket expenses during hospitalisation.

ICU Charges (5% of Sum Insured)

ICU expenses are covered up to five percent of the sum insured per day. This includes charges for intensive monitoring, specialised equipment, and critical care support. The limit ensures essential ICU treatment remains affordable while keeping overall claim costs balanced for the policyholder.

Co-payment Clause (5%)

The policy includes a five percent co-payment clause. This means you pay a small portion of the total hospital bill, while the IndusInd General Insurance pays the rest. Co-payments help keep premiums affordable and encourage responsible use of medical services during treatment.

Cataract Treatment Limit

Cataract treatment is subject to a fixed sub-limit under this policy. IndusInd General Insurance covers expenses up to 25% of sum insured or Rs. 40,000/-, whichever is lower, per each eye in one policy year. This includes surgery and related costs which helps manage necessary eye treatment.

Sub-Limits on Modern Procedures

Certain modern treatments and advanced medical procedures are subject to sub-limits under the policy. These include treatments using new technologies or specialised techniques. The sub-limits ensure coverage remains structured while still providing access to updated medical care when required.

IndusInd Arogya Sanjeevani: Inclusions and Exclusions

What is Covered

  • Hospitalisation (IPD): Covers inpatient hospitalisation expenses, including room rent, doctor consultation, surgery, nursing, and ICU. Example: ₹2.5L for gall bladder removal, including ICU and surgery.

  • Day 1 Coverage: We offer day 1 coverage for accident-related claims and medical emergencies under our policy, ensuring quick and comprehensive medical coverage.

  • Pre- and Post-Hospitalisation: Covers expenses incurred 30 days before and 60 days after hospital admission. Example: ₹3K for diagnostics and ₹6K for medication post-discharge.

  • Day Care Treatment: Covers all daycare procedures that do not require 24-hour hospitalisation, such as chemotherapy and dialysis. Example: ₹40K for one chemotherapy session will be reimbursed.

  • AYUSH and Modern Treatments: Inpatient treatment under Ayurveda, Yoga, Unani, Siddha, and Homoeopathy at government-recognised hospitals.

  • Modern Treatments: Advanced procedures such as robotic surgery or deep brain stimulation (up to 50% of SI). Example: ₹2L for robotic hernia surgery will be reimbursed under the ₹5L policy.

  • Cumulative Bonus: 5% increase in sum insured per claim-free year up to a maximum of 50%. Example: ₹5L → ₹6.25L over 5 years without any claims.

What is Not Covered

  • Cosmetic/Reconstructive, Maternity and Fertility Procedures: We cover plastic surgery only for urgent medical needs resulting from an accident or burns. Plus, maternity and fertility treatment costs are excluded.

  • OPD & Dental Treatment: We cover outpatient consultations and dental treatments only in the event of accidents.

  • Domiciliary Hospitalisation: We cover all treatments, except those performed at home rather than in a hospital setting.

  • Non-Medical Expenses: You are covered from doctor's consultations to discharge. However, non-medical costs not directly related to hospitalisation are excluded.

  • Self-inflicted Injuries & Unlawful Acts: We cover all accidental injuries, but intentional injuries from self-harm or injuries while committing unlawful acts are excluded.

Note: The inclusions and exclusions are subject to policy terms and conditions. For the official policy document with complete details, click here.

Arogya Sanjeevani Policy Waiting Periods

Type of Waiting Period Duration and Specifics
Initial Waiting Period 30 days for any illness
Pre-Existing Diseases Covered after 36 months
Specific Conditions 2 years, depending on the coverage mentioned in the policy

Waiting periods are associated with health insurance to ensure genuine customers receive adequate coverage during their time of need. Please read the policy document for the full details.

Eligibility Criteria for Arogya Sanjeevani Health Insurance

When buying health insurance, you are required to provide details that verify your eligibility to buy the plan. Before you buy this plan, here is the key information you'll need to provide us, along with what you will need to know.

Parameter Details
Age Eligibility Adults: 18 to 65 years
Dependant children: 91 days to 25 years
Policy Type Individual or Family Floater policy (Up to 2 adults + 4 children).
Policy Period 1 Year
Family Members Covered Self, Spouse, Dependent Children, Parents, Parents-in-law
Medical Check-up (Pre-Issuance) Required for individuals aged 51 to 65 years**

Premium of Arogya Sanjeevani Policy

How Premium is Calculated

Insurance companies combine these factors to keep the policy affordable while providing standard health insurance coverage.

  • Sum Insured The sum insured chosen by the policyholder directly influences the premium. Higher coverage offers better protection but increases the premium amount.

  • Policyholder's Age Age plays a major role in deciding the premium amount. Younger policyholders usually pay less because they face lower health risks.

  • Location The location of residence affects the premium. Metro cities often have higher premiums because hospital treatment costs are higher there.

  • Number of Insured Members The number of family members covered under the policy impacts the total premium. Family floater plans cost more than individual covers.

Sample Premium Illustrations

Working Professional in Their 20s

  • Insured's Age: 25 Years:

  • Arogya Sanjeevani Policy Premium: ₹166.17/month

  • Sum Insured: ₹1.00L insured for 1 year

  • Benefits: Arogya Sanjeevani Policy offers comprehensive hospitalisation and AYUSH coverage, ideal for young adults seeking holistic and affordable healthcare.

Mid-Life 40s (or) Pre-Retirement

  • Insured’s Age: 45 Years

  • Arogya Sanjeevani Policy Premium: ₹402.17/month

  • Sum Insured: ₹1.00L insured for 1 year

  • Benefits: With coverage for pre- and post-hospitalisation and cumulative bonus benefits, this policy supports mid-life

  • health needs effectively.

Senior Citizen/Post-Retirement

  • Insured’s Age: 65 Years

  • Arogya Sanjeevani Policy Premium: ₹1,188.67/month

  • Sum Insured: ₹1.00L insured for 1 year

  • Benefits: Senior citizens benefit from daycare procedures, AYUSH care, and renewal perks, ensuring continued protection during critical years.

How to Buy Arogya Sanjeevani Policy Online?

Steps to Buy

  • Scroll to the top of this page to buy the Arogya Sanjeevani policy. You can use the calculator below to get a quick quote.

  • Enter your details, such as name, mobile number and PIN code.

  • To proceed, read and agree to our terms and conditions.

  • Click “View Prices,” explore plan options and customise your policy.

  • Complete payment online using the available methods to receive your policy.

Documents Required to Buy Arogya Sanjeevani Policy

  • Age proof such as an Aadhaar card, birth certificate, or passport.

  • Address proof such as utility bills, driving licence, or passport.

  • Identity proof like Aadhaar, PAN, or voter ID. Recent passport-size photographs, if required.

  • Medical history details, including past illnesses, ongoing treatments, or regular medications.

Why Buy Arogya Sanjeevani Policy from IndusInd General Insurance?

Instant Digital Policy Issuance

Policy documents are issued digitally soon after purchase. This allows customers to access coverage details instantly, store documents safely, and share them easily during hospital admissions or claims.

Wide Network of Hospitals

IndusInd General Insurance provides access to a large network of 10,000+ hospitals* across India. This makes cashless treatment easier during emergencies and reduces stress related to hospital selection and upfront medical payments.

Quick and Reliable Claim Settlement

Claims are managed through a smooth and time-efficient process. Dedicated teams guide policyholders from claim intimation to settlement, helping reduce delays during hospitalisation and recovery periods.

Clear and Transparent Policy Information

Policy terms, coverage limits, and co-payment details are explained clearly. This transparency helps customers understand what is covered and prevents confusion or surprises during claim settlement.

Responsive 24/7 Customer Support Services

Customer support teams assist with policy queries, renewals, and claims-related concerns. Easy access to 24/7 support builds confidence and ensures continued guidance throughout the policy duration.

Arogya Sanjeevani Policy Renewals & Portability

Arogya Sanjeevani Policy Renewals: Steps to Follow

  • Go to the form at the top of this page and select "Renewal"

  • Enter details as requested, including your policy number or mobile number.

  • Verify your mobile number by clicking on “Send OTP” and continue.

  • Verify your policy details and edit your existing policy if needed.

  • Review the updated premium and pay online for instant renewal.

Arogya Sanjeevani Policy Portability: Steps to Follow

  • Policyholders can apply for portability while renewing their existing Arogya Sanjeevani Policy. The request must be submitted before the current policy expiry date.

  • Required documents include a copy of the existing policy, the claim history, and a portability request form. IndusInd General Insurance reviews these details before approval.

  • After approval, the policy is issued with continuity benefits such as waiting period credits.

Arogya Sanjeevani Policy Claim Process

Steps to File a Claim

Notify Us Promptly

  • Planned hospitalisation? Inform us at least 48 hours before admission

  • Emergency? Notify us within 24 hours of hospitalisation.

How to Contact Us

Courier (for offline submission):

IndusInd General Insurance,
3rd Floor, Krishe Block, Krishe Sapphire,
Madhapur, Hyderabad - 500081

Cashless Treatment at Network Hospitals

Once you notify us, IndusInd General Insurance (previously known as Reliance General Insurance) will:

  • Verify your policy and send an approval letter to the hospital.
  • Alert the hospital about any missing documents within 4 hours.
  • Notify you if the treatment isn’t covered.

Cashless Treatment at Authorised Non-Network Hospitals

The Cashless Everywhere feature allows you to avail of cashless hospitalisation even at non-network hospitals.

The cashless claim is available via the IndusInd health claims team (previously known as Reliance health claims team), ICARE, on your health card:

  • Call: 022-4890 3009 (Paid)
  • Submit documents to ICARE
  • ICARE will coordinate for cashless approval if eligible

Reimbursement Claims (Any Hospital)

If your cashless claim is denied, don’t worry. You can still claim via reimbursement.

  • Fill and sign the claim form
  • Submit required documents (bills, prescriptions, discharge summary, etc.) within 15 days of treatment
  • We will process and pay the approved amount, usually within 30 days

For precise claim-related information, please refer to the policy documents or contact our customer helpline.

Arogya Sanjeevani Policy vs Regular Health Insurance Plans

Feature Arogya Sanjeevani Policy Regular Health Insurance Plans
Coverage Size Coverage is limited and available only up to a fixed sum insured. Coverage options are flexible and can go very high.
Premium Premiums are lower since benefits are standardised and tightly defined. Premiums are higher as coverage is broader and more customisable.
Sub-limits Sub-limits apply to room rent, ICU charges, cataract treatment, and modern procedures. Most comprehensive plans either have no sub-limits or allow removal of limits.
Co-payments A fixed co-payment usually applies. Co-payment is often optional. Many plans allow zero co-payment.
Add-Ons Add-ons are not available. Multiple riders are available
Best For First-time buyers, young families, and people with a limited health insurance budget. People who want long-term protection against major illnesses and rising medical costs.

Add-ons Available with Arogya Sanjeevani Policy

At IndusInd General Insurance, we offer the Arogya Sanjeevani Policy in strict compliance with IRDAI guidelines. This standard health insurance product comes with predefined features and does not include add-ons or riders as part of its base plan.

You can explore other standalone covers available with IndusInd General Insurance. You may choose from critical illness plans or personal accident policies to enhance overall protection. While these are not officially part of the Arogya Sanjeevani Policy, they can be purchased separately to meet specific healthcare needs.

For a more comprehensive health portfolio, our experts are always ready to help you choose the right combination of plans.

Arogya Sanjeevani Policy for Senior Citizens

The Arogya Sanjeevani Policy can be a practical option for senior citizens who want basic health insurance coverage. The policy offers standard hospitalisation benefits, including room rent, ICU charges, and treatment costs for covered illnesses. However, seniors should note that coverage limits remain fixed, which may feel restrictive for higher medical expenses common at an older age.

Waiting periods are an important factor for senior citizens. Pre-existing diseases usually come with a waiting period, which must be completed before related claims are accepted. Certain treatments and procedures may also have defined waiting periods. Seniors with existing health conditions should review these timelines carefully before buying the policy.

Premiums for senior citizens are higher compared to younger age groups. This increase reflects higher health risks and greater chances of hospitalisation. While the policy remains affordable compared to many comprehensive plans, the cost still rises with age and chosen sum insured.

Arogya Sanjeevani suits seniors looking for essential coverage, predictable benefits, and a simple policy structure without complex add-ons.

Key Takeaways

IndusInd Arogya Sanjeevani Policy (formerly Reliance Arogya Sanjeevani Policy) is a standardised yet affordable health cover that is designed to meet essential medical needs. With a broad range of benefits like pre- and post-hospitalisation to AYUSH treatments, it offers reliable protection for individuals and families alike.

In addition, it offers coverage for a wide range of special and modern treatments, including stem cell therapy, immunotherapy, chemotherapy and robotic surgeries, making it a go-to plan for those seeking comprehensive coverage. Moreover, coverage for cataract surgeries and dental treatment makes it ideal for senior citizens.

IndusInd General Insurance (formerly, Reliance General Insurance) offers this dependable cover with the added support of 24/7 customer assistance and efficient claim service. Whether you are considering health insurance coverage for the first time, this simplified plan is perfect to support your healthcare journey.

Frequently Asked Questions(FAQ's)

  1. Is Arogya Sanjeevani a government-sponsored scheme?

    Arogya Sanjeevani Health Insurance is a health insurance policy introduced and approved by the Insurance Regulatory and Development Authority of India (IRDAI). All general insurance companies are authorised to offer it to their customers. This means you can easily get this plan from IndusInd General Insurance (formerly Reliance General Insurance).

  2. What is a co-payment in the Arogya Sanjeevani Insurance Policy?

    Co-payment refers to the percentage of the claim amount that you have to pay out of your pocket. The Co-Payment applicable to the Arogya Sanjeevani Policy is 5% of your claim amount.

  3. What is the waiting period for the Arogya Sanjeevani Scheme?

    The waiting period refers to the duration you need to wait before you apply for a claim under the Arogya Policy. It has an initial waiting period of 30 days, a pre-existing disease waiting period of 36 months and a specific waiting period of 24 or 36 months for certain specified illnesses.

  4. Are there any tax benefits with Arogya Sanjeevani Insurance?

    Yes, you can claim a tax deduction benefit under Section 80D of the Income Tax Act, 1961, for the premiums paid for the Arogya Policy. It is applicable separately for yourself or including your family (spouse and dependent children) and your parents.

  5. Are there any policy options under the Arogya Sanjeevani Health Insurance policy?

    No, there are no policy options available under the Arogya Insurance Policy. However, you can choose the health insurance coverage amount based on your requirements.

  6. Can NRIs buy the Arogya Sanjeevani Policy?

    Yes, NRIs are eligible to buy the Arogya Sanjeevani Policy.

  7. Is a medical examination mandatory for the Arogya Sanjeevani Health Insurance Policy?

    Generally, a medical examination is not necessary to buy the Arogya Sanjeevani Health Insurance Policy. However, it is mandatory if the buyer is between 51 and 65 years of age.

  8. How long does the Arogya Sanjeevani policy cover my medical expenses?

    The policy will cover you for a period of one year, after which you can opt to renew it for a further 12 months.

  9. What is the difference between Individual and Family Floater Health Insurance plans available under the Arogya Sanjeevani Policy?

    Individual plans cover the medical expenses of a single individual. On the other hand, a family floater health insurance plan covers the medical expenses of the individual members of a family. It can be used to cover your spouse, dependent children and parents. You can opt for either plan option under the IndusInd Arogya Sanjeevani policy based on your coverage needs during purchase.

  10. Who can buy an Arogya Sanjeevani health insurance policy?

    Any individual between the ages of 18 and 65 years can purchase an Arogya Sanjeevani policy. If opting for a family plan, children from 91 days to up to 25 years can be added.

Here’s what our customers say about us!

IndusInd International Holding Ltd

Disclaimers:

*T&C apply For more details on risk factors, terms conditions, brochure, and exclusions, please read the policy wording and CIS carefully before concluding a sale.

Premium: The premium mentioned is excluding taxes for single person aged between 5 years to 20 years with individual health policy for Sum Insured of ₹3 lakhs considering no adverse health conditions/pre-existing disease/medical conditions with waiting period of 3 years. For more details, please refer to the policy wordings. Premium used is 2,919/year converted into a month which gives us Rs.243/month (2,919/12).

Tax benefits: Tax benefits are subject to conditions under Section 80D of the Act and amendments thereof. The tax laws are subject to amendments/changes from time to time. Please consult your tax advisor for details.


Best viewed with IE 9+, Firefox 30+ and Chrome 29+ with a resolution of 1024x768