Reliance General Arogya Sanjeevani Policy

Health Insurance Plans play an important role in order to protect the health issues and risks of an individual. Nowadays, the trend of buying health plans is increasing day by day because it helps the individual to maintain their financial stability during a medical emergency. So, if you are willing to buy a health insurance plan then you must see the Reliance General Arogya Sanjeevani Policy. This policy is available at an affordable premium and you can earn more discounts on the premium if you cover more family members in this plan. The maximum Sum Assured of this plan is up to Rs.5 Lacs and you must explore more features of this plan below.

Key Features of Arogya Sanjeevani Plan by Reliance General

1. Feasibility of choosing the Sum Assured as per your needs.
2. Add your family members to this plan and earn discounts on the premium.
3. The company gives you a Free-Look period of 15 days in this plan.
4. You can pay the premium as per your convenience on a yearly, half-yearly, monthly, and quarterly basis.
5. You can renew this policy lifelong.
6. Enjoy rebates on the tax under Section 80D as per the tax regulation act.

Benefits of Reliance General Arogya Sanjeevani Policy

You can see the various benefits of this health plan and see the risks and expenses that are covered in it. See the treatment expenses that will be reimbursed by the company under this insurance policy.

Hospitalization Expenses Cover

In this policy, you will get a cover for the expenses like bed-charges, blood tests, nursing charges, ICU Charges, and other consultation fees if in case you are hospitalized. You can see them below:-

1. Room’s Rent cover is 2% of the Sum Assured of up to Rs.5000.
2. ICU’s Rent cover is 5% of the Sum Assured of up to Rs.10000.

Pre and Post-Hospitalization Cover

The company will reimburse the expenses done prior to 30 days to hospitalization. The company will also cover Post-hospitalization charges for up to 60 days in this insurance plan.

Cataract Expenses Cover

You can claim the expenses for the treatment of Cataract Illness and the reimbursement for the cataract risk will be the lowest of the following:-

1. 25% of the Sum Assured
2. Rs.40000

Day Care Treatment Cover

Expenses incurred for the day care treatments that are received within 24 hours without being hospitalized are covered in this health insurance plan. The treatment received within a day and you are not hospitalized then it is known as the day care treatment.

Cover for Dental Treatment and Plastic Surgery

If you go through a Dental Treatment and Plastic Surgery and it is needed due to any other disease then the expenses for such treatments will be reimbursed as per this insurance plan. All the expenses incurred in the Dental Treatment and Plastic Surgery is covered.

AYUSH Treatment

AYUSH Treatment is also known as the Ayurveda, Unani, Siddha, and Homeopathy treatments. So, the expenses of these Ayurvedic Treatments are covered in this plan and they will be reimbursed by the company.

Risks and Diseases Covered

In this insurance plan, the company will give 50% of the Sum Assured if you go through any of the treatments mentioned below:-

1. Uterine Artery Embolization and HIFU (High-Intensity Focused Ultrasound)
2. Balloon Sinoplasty
3. Deep Brain Stimulation
4. Oral Chemotherapy
5. Immunotherapy – Monoclonal antibody to be given as an injection
6. Intravitreal injections
7. Robotic Surgeries
8. Stereotactic radio surgeries
9. Bronchial Thermoplasty
10. Vaporisation of Prostrate (Green Laser treatment of Holmium laser treatment)
11. IONM – (Intra Operative Neuro Monitoring)
12. Stem Cell Therapy

Ambulance Cover

In this health insurance plan, the company will cover all the expenses related to the Ambulance. The maximum cover provided by the company for the ambulance expenses will be Rs.2000 per hospitalization.

Cover your Family

The company will give you discounts on the amount of premium if you add your family members to this insurance plan. The family members allowed to be added to this plan are
as follows:-

1. Spouse
2. Children
3. Parents
4. In-laws

Claim-Free Year Benefit

The company will give you a cumulative bonus of 5% of the Sum Assured and add it to the Sum Assured every year if you don’t make any claim. This bonus will be added every year to the current Sum Assured value until it reaches 50% of the Sum Assured.

Eligibility Criteria of Reliance General Arogya Sanjeevani Policy

Waiting Period of this Health Plan

Every health insurance plan has a waiting period but it might differ from company to company. So, you must see the diseases that have a waiting period of 2 years and 4 years.

Diseases Having a Waiting Period of 2 Years

1. Internal Congenital Anomalies
2. Varicose Veins and Varicose Ulcers
3. Calculi in the urinary system, Gall Bladder, and Bile duct, excluding malignancy
4. Prolapse inter Vertebral Disc and Spinal Diseases unless arising from an accident
5. Pilonidal sinus, Sinusitis, and related disorders
6. Piles, Fissures and Fistula in anus
7. Non-Infective Arthritis
8. Hydrocele
9. Hernia of all types
10. Gout and Rheumatism
11. Gastric/ Duodenal Ulcer
12. Cataract and age-related eye ailments
13. Benign prostate hypertrophy
14. All internal and external benign tumors, cysts, polyps of any kind, including benign breast lumps
15. Hysterectomy
16. Tympanoplasty
17. Mastoidectomy
18. Adenoidectomy
19. Benign ENT disorders
20. Tonsillectomy

Diseases Having a Waiting Period of 4 Years

1. Treatment for joint replacement unless arising from an accident
2. Age-related Osteoarthritis & Osteoporosis