Royal Sundaram Arogya Sanjeevani Policy Health Insurance

Arogya Sanjeevani Policy
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  • 5,000+ Network Hospitals
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  • 1,85,450 Policies Issued
  • Lifelong Renewability
  • 77.32% Claim Settlement Ratio
  • In-House Claim Settlement
  • Coronavirus (COVID-19) Cover

About Royal Sundaram Arogya Sanjeevani Policy Health Insurance

Arogya Sanjeevani Policy offered by Royal Sundaram General Insurance is a new health-cover solution for your family. It is a standard individual health insurance policy which provides coverage for medical treatment for illnesses and injuries requiring in-patient hospitalization. The policy provides cover for modern treatment and procedures at an affordable premium price. It also covers the costs of hospitalization treatment on account of infectious diseases. All in all, the policy aims at protecting the financial and emotional stability of people during any sort of unfortunate medical emergency. This indemnity based plan offers multiple premium payment modes such as monthly, quarterly, half-yearly, and yearly for the convenience of its policyholders.

Offered for a policy period of 1 year, the Royal Sundaram Arogya Sanjeevani Policy provides superior health protection to any individual between the age range of 3 months up to 65 years. Easily available on individual sum insured or family floater sum insured basis, it offers a sum insured range that lies between Rs. 1 Lakh up to Rs. 5 Lakh. Talking about coverage, the policy covers expenses incurred on hospitalization, in-patient care treatment for AYUSH, pre-hospitalisation, post-hospitalization, cataract treatment, and all daycare procedures. Moreover, it also allows you to avail tax benefits under Section 80D of the Income Tax Act. 

Key Inclusions and Exclusions of the Plan

What's Included

  • In-patient care treatment for AYUSH, up to sum insured
  • Road ambulance expenses for Rs. 2,000 per hospitalization
  • Cover for day care procedures available up to the sum insured
  • Coverage for cataract surgery expenses under the plan, subject to a certain limit
  • Expenses incurred on pre & post-hospitalisation for 30 and 60 days respectively
  • Coverage available for dental treatment due to disease or injury

What's Not Included

  • Surgical treatment expenses of obesity that don’t fulfill specific conditions
  • Treatment expenses due to hazardous or adventure sports participation
  • Expenses incurred on cosmetic or plastic surgery unless due to an accident or disease
  • Expenses incurred on the treatment related to change of gender
  • Admission for Rest Cure, rehabilitation and respite care are also not covered
  • No coverage for admission for investigation and evaluation under the policy

Arogya Sanjeevani Policy Reviews

What users are saying
  • Got the plan at affordable pri...

    I bought this Arogya Sanjeevani plan of Royal Sundaram Insurance from InsuranceDekho platform at an economical...

    Read More
    R
    By Ramesh Sawant
    On: Jun 18, 2020
  • Plan with amazing benefits

    The InsuranceDekho team advised me to buy this plan for covering my family. I purchased this policy and found ...

    Read More
    R
    By Ritesh Kumar
    On: Jun 17, 2020
  • Awesome Claim Assistance

    After my hospitalisation, I wanted my claim to get settled but did not know the claim process. Then, the custo...

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    A
    By Ankur Yadav
    On: Jun 15, 2020
  • Easy Renewal Process

    I could easily get my Arogya Sanjeevani Plan renewed at the InsuranceDekho platform. Their platform is very cu...

    Read More
    V
    By Vivek Khatri
    On: Jun 12, 2020
  • Superb plan for family people

    As soon as this policy came out, i purchased it. I must say that I have got decent coverage at less premium ra...

    Read More
    G
    By Geeta Pant
    On: Apr 07, 2020

Royal Sundaram Arogya Sanjeevani Policy Brochure

  • 182.84 KB
  • PDF Document
  • Apr 17, 2020

Claim Process at Royal Sundaram 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 within 48 hours and for planned hospitalisation intimate at least 48 hours 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 within 48 hours and for planned hospitalisation intimate within 72 hours 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.

Arogya Sanjeevani Policy FAQs

  • Can I avail cashless treatment under Arogya Sanjeevani Policy, Royal Sundaram?

    Yes, you can cashless treatment under this policy.

  • Who in my family can I get covered under Arogya Sanjeevani Policy, Royal Sundaram?

    The policy allows coverage for self and family members. So, you can get your legally wedded spouse, parents, parents- in-law, and dependent children (whether natural or legally adopted) between the age 3 months to 25 years covered apart from yourself under this policy. Note that in case, your child, above 18 years is financially independent, he or she won’t be covered.

  • How vast is the sum insured range under Arogya Sanjeevani Policy, Royal Sundaram?

    For this policy, the sum insured range includes options such as Rs. 1 Lakh, 1.5 Lakh, Rs. 2 Lakh, Rs. 2.5 Lakh, Rs. 3 Lakh, Rs. 3.5 Lakh, Rs. 4 Lakh, Rs. 4.5 Lakh, and Rs. 5 Lakh.

  • What are the modern treatment covered under Arogya Sanjeevani Policy, Royal Sundaram?

    Under this policy, you can avail coverage for procedures like Uterine Artery Embolization and HIFU, Oral chemotherapy, Deep Brain stimulation, Balloon Sinuplasty, Immunotherapy, Robotic surgeries, Stereotactic radio surgeries, Intra vitreal injections, Bronchial Thermoplasty, Stem cell therapy, IONM - (Intra Operative Neuro Monitoring), and Vaporisation of the prostrate, up to 50% of the sum insured.

  • Will Arogya Sanjeevani Policy, Royal Sundaram provide me cover for cataract treatment?

    Yes. Under this policy, you can avail cataract treatment. However, note that it comes with a sub-limit of 25% of the sum insured or Rs. 40,000, whichever is lower, per eye, in one policy year.

     

  • Is there any sub-limit for room or doctor’s fees, ICU charges and others under Arogya Sanjeevani Policy, Royal Sundaram?

    Yes! Room rent, boarding, nursing expenses, are all inclusive as provided by the hospital or nursing home, up to 2% of the sum insured, subject to maximum of Rs. 5000 per day. Moreover, ICU charges or ICCU charges charges are all inclusive as provided by the hospital or nursing home, up to 5% of the sum insured, subject to maximum of Rs.10,000, per day.

  • If I want to change my sum insured for Arogya Sanjeevani Policy, Royal Sundaram during the policy term, will it be allowed?

    No! If required, you can change the sum insured for this policy, but only at the time of policy renewal.

  • Will I get the benefit of Cumulative Bonus under Arogya Sanjeevani Policy, Royal Sundaram?

    Yes! You can expect an increase in the sum insured by 5%, in respect of each claim free year, subject to a maximum of 50% of the sum insured. In case, you file a claim, your cumulative bonus will be reduced at the same rate.

  • What is the waiting period under Arogya Sanjeevani Policy, Royal Sundaram?

    While pre-existing diseases are covered after a period of 48 months of waiting period, waiting period for specific conditions, surgeries, and treatment is 24 or 48 months.

  • What is the free-look period for Arogya Sanjeevani Policy, Royal Sundaram?

    This policy comes with a free look period of 15 days, from the date of receipt of the policy.

     

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