About Arogya Sanjeevani Policy
The Arogya Sanjeevani Policy provides comprehensive and affordable protection, offering essential financial support for various health and medical expenses. It ensures peace of mind by covering hospitalization costs ranging from Rs. 1 lac to Rs. 5 Lacs. This coverage is available both for individuals and on a family floater sum insured basis, making it versatile and adaptable to different healthcare needs.
Plan Highlights:
Categories | Specifications |
---|---|
Sum Insured (SI) | Rs. 1, 2, 3, 4, 5 Lacs |
Policy Tenure | 1 year |
Cumulative Bonus | 5% of SI increase per claim free year, max up to 50% of SI; |
Initial Waiting Period | 30 Days |
Plan Eligibility Criteria:
Parameters | Criteria |
---|---|
Minimum Entry Age |
Adult: 18 Years; Child: 90 Days |
Maximum Entry Age |
Adult: 65 Years; Child: 25 Years |
Exit Age |
Adult: 99 Years; Child: 25 Years |
Cover Type | Individual and Family Floater: Max up to 6 persons |
Who are covered | Self, Spouse, Dependent Children, Parents and Parent in Law |
Features & Benefits of Arogya Sanjeevani Policy:
For complete health coverage for your family, choose our Raheja’s Arogya Sanjeevani Policy. It covers all medical expenses and offers discounts, tax benefits, and co-payment options! Here's a detailed look at the key highlights:

Pre Existing Disease
Covered after 4 years from the policy start date

Room Rent Limit
Covered up to 2% of the sum insured, with a maximum limit of Rs. 5,000 per day

ICU Charges
Covered up to 5% of the sum insured, with a maximum limit of Rs. 10,000 per day

Cumulative Bonus
5% of Sum Insured per year, max up to 50% of SI

Pre-Hospitalization
Covered upto 30 days

Post-Hospitalization
Covered upto 60 days

Road Ambulance Cover
Covered up to Rs. 2,000 per hospitalization

Day Care Treatments
All listed day care procedures are covered up to Sum Insured

Co-Pay
The insurance policy covers 95% of the claim, with the remaining 5% to be covered by the policyholder.

AYUSH Treatment
Covered up to Sum Insured

Tax Benefits
Avail of tax benefits up to Rs. 75,000 under Section 80D of the Income Tax Act
Exclusion of Arogya Sanjeevani Policy:
It is important to note that the plan may not cover certain illnesses or medical conditions. Here are some diseases not covered under the Raheja’s Arogya Sanjeevani Policy:

Organ Donor
Not Covered

Domiciliary Hospitalization
Not Available

Maternity Waiting Period
Not Covered

Maternity Benefits Limit
Not Covered

New Born Baby Covered
Not Covered

Daily Hospitalization Allowance
Not Available

Worldwide Emergency Cover
Not Covered

Air Ambulance Cover
Not Covered

Unlimited E-Consultations
Available for Consultations with General Physicians
Permanent Exclusions:

War Related Injuries

Lasik Eye Treatments

Cosmetic Surgery

Administratives Expenses

Drugs or Alcohol Abuse
