Support
95%
Claims settled
10,000+
Hospital network
2 Crores+
Customers served
What is Arogya Sanjeevani Insurance?
Arogya Sanjeevani Policy,Royalsundaram is a standardized health plan in India offering comprehensive coverage for medical expenses like hospitalization, pre/post-hospitalization, day-care procedures, and ambulance charges.
Key Benefits of Royal Sundaram's Arogya Sanjeevani Insurance Policy
Expenses during hospitalization
We lighten your burden of hospital costs. Room rent, nursing expenses, ICU/ICCU and ambulance charges are covered up to a limit.
Cataract treatment
Eye sight is a precious gift and we want you to enjoy it as much as possible. So, we cover Cataract treatment upto Rs.40,000 or 25% of the Sum Insured
Modern or New-age treatments
We cover many advanced treatments not commonly covered by other health insurance policies, even if they are expensive in cost
Ayush treatment
We respect your choice of treatment. Ayurveda, Yoga and Naturopathy, Unani, Siddha and Homeopathy treatments at any AYUSH Hospital is covered.
Expenses before and after hospitalisation
We care about you getting better. Medical expenses for 30 days before you are admitted and for 60 days after discharge is covered.
Cumulative Bonus
Your health is important to us, so we reward you by increasing your coverage by 5% for every claim free year.
What is included and excluded in Royal Sundaram's Arogya Sanjeevani Insurance policy?
Hospital room rent
Get coverage for room rent of up to 2% of the sum insured, subject to a maximum of Rs. 5,000 per day for hospitalization expenses thus offering peace of mind for your medical needs.
Hospital room rent
Get coverage for room rent of up to 2% of the sum insured, subject to a maximum of Rs. 5,000 per day for hospitalization expenses thus offering Peace
Pre & post hospital expense
Healthcare costs 30 days before and 60 days after any 24 hours (or more) extended hospitalisation are covered under the plan. All related costs, including tests,
Ayush treatments
Access alternative treatments like Ayurveda, Yoga, Unani, Siddha, and Homeopathy with our insurance. Explore holistic healthcare and receive financial support for
Day care treatments
Day care treatments provide medical care and procedures that do not require an overnight hospital stay, offering convenience and reduced cost for patients.
Day care treatments
Day care treatments provide medical care and procedures that do not require an overnight hospital stay, offering convenience and reduced cost for patients.
Specific Waiting Periods
The 20 conditions listed below will be subject to a waiting period of 24 months and will be covered in the third year of continuous coverage under the policy.
List of specific waiting period View all
Key features of the Royal sundaram's Arogya sanjeevani policy
Trustworthy Insurance Partner for Over Two Decades
3 simple steps to get a Arogya Sanjeevani Insurance plan
Step 1
Select Sum insured amount
Choose the appropriate sum insured as per medical needs
Step 2
Select tenure
Select your preferred tenure and customize your policy
Step 3
Make payment and sit back
Pay online and get your policy right away in your inbox.
10000+ Cashless hospitals across India
Find your nearest tie-up hospitals
Bike Insurance Starting from ₹538
A Step-by-Step Guide to file a health insurance claim
Cashless hospitalization
Hassle-free treatment at network hospitals without upfront payments, with insurance company settling medical bills directly.
Initiate the claim process
Insured files claim with TPA in the Hospital within 24 hours of emergency hospitalization and 72 hours prior to elective hospitalization.
Hospital will intimate us
In case of cashless hospitalization, the hospital will let us know and we will process the claim.
Bill settlement
When you are discharged, we will directly settle the bill with the hospital.
Reimbursement
Submit your medical bills for reimbursement after paying upfront. The insurer reviews and reimburses covered expenses based on policy terms.
Notify us
within 24 hours of emergency hospitalization and 72 hours prior to elective hospitalization.
Send your medical bill to TPA
On discharge from the hospital, the insured person must send, all medical treatment invoices and reports to Royal Sundaram.
Initiate reimbursement
We will verify the claim and reimburse the insured person for their expenses.
How much deduction you can avail under section 80D
Take a look at the tax benefit you can get by investing in health insurance.
Benefits of buying health insurance policy online
Our step by step procedure helps you to purchase Arogya sanjeevani insurance with ease
Save time
Purchase, renew, and file claims effortlessly through Royal Sundaram's online platform, saving you valuable time and effort.
Secured
Avail your Royal Sundaram health plan securely online, using safe and reliable online payment transactions.
Transparency
You can easily access and review policy details, coverage options, and terms and conditions, ensuring a clear understanding of what you're buying.
Cashless hospitalisation by Royal Sundaram's health insurance
Check out our popular affiliated cashless hospitals with state of the art healthcare facilities and trained medical professionals.
Medi Assist Insurance TPA
Paramount health service
Protect yourself and your loved ones with Arogya sanjeevani policy
Arogya sanjeevani policy,Royal Sudaram Starting from ₹700/year*
By Clicking on Get Started, You agree to our Terms and Conditions
Trusted by 2 crore + happy customers
We Prioritize service and satisfaction and always try to give our best for all our customers.
VM SUNDARAM
I wanted to take a moment to say thank you for your excellent and quick service. I really appreciate the help you provided, and I'm happy with the work you did for me. It was a tough task for me, but your staff's support made it easier.I've been a member of your insurance company for four years, and I'm glad I chose ROYAL SUNDARAM insurance. Even on the weekend, the claim process went smoothly, and I'm grateful for how your employees communicated with me and approved my request within just one day.Your company's commitment is truly remarkable, and I want to thank you again for your support.
I wanted to take a moment to say thank you for your excellent and quick service. I really appreciate the help you provided, and I'm happy with the work you did for me. It was a tough task for me, but your staff's support made it easier.I've been a member of your insurance company for four years, and I'm glad I chose ROYAL SUNDARAM insurance. Even on the weekend, the claim process went smoothly, and I'm grateful for how your employees communicated with me and approved my request within just one day.Your company's commitment is truly remarkable, and I want to thank you again for your support.
3.7/5
4.4/5
More questions about Arogya Sanjeevani health insurance ? We have answers.
FAQs for health insurance
When you have a health insurance policy, there are essential steps to comprehend for managing emergency medical expenses:
1. Annual Premiums: You pay yearly premiums as per your chosen health plan, maintaining your coverage.
2. Medical Treatment: If you or other policyholders need medical treatment, contact either Royal Sundaram or the TPA office at the hospital.
Any Indian resident aged 18 and above is eligible. Age limits for coverage vary; generally, it's 18 to 65 years. Coverage for newborns can be added to family plans after 90 days. Senior citizen plans typically start at 60 years.
Yes, you can purchase multiple Health Insurances based on your medical needs.
Different plans suit different individuals:
- Individual Health Insurance
- Family Floater Health Insurance
- Senior Citizen Health Insurance
- Critical Illness Insurance
- Maternity Health Insurance
Along with annual payments, Royal Sundaram allow monthly, quarterly, or semi-annual payments.
Buying early brings benefits like lower premiums, higher covers, and bonus advantages. Also, it helps manage personal and medical loans.
Yes, under Section 80D of the Income Tax Act, you can claim tax benefits up to the specified amount as per IT act.
Certainly, including lower premiums, better cover, wellness benefits, and tax advantages.
Opt for comprehensive plans that suit your needs, including services, medical care network, access to insurers, settlements, and additional services.
Not a direct discount, but a no-claim or cumulative bonus can offer reduced premiums or increased coverage after claim-free years.
In cases of organ transplant, donor expenses cover hospitalization costs for the donor except the organ cost.
Ensure it covers hospitalization, ambulance, PPE kits, medicines, consultations, and ICU expenses.
It's a medical condition already affecting the person applying for insurance, such as diabetes or high blood pressure.
Yes, but terms may include waiting periods or higher premiums.
Individual plans' waiting periods can be reduced for an extra premium. Group plans and senior citizen plans might have different provisions.
If diagnosed with a condition like diabetes during the waiting period, it's not considered pre-existing, and you can claim expenses.
Royal Sundaram's Arogya sanjeevani Policy terms and conditions:
We request you to carefully read and understand the Terms and Conditions, before you buy the Policy. All claims are processed strictly according to it. Please speak or chat with our Customer Support Team, if you need any clarification.
Arogya sanjeevani policy documents
Terms and Conditions
1. Consent for Communication:
By submitting my contact number and email ID, I authorize Royal Sundaram to call, send SMS, messages over internet-based messaging applications like WhatsApp, and email to offer me information and services for the product(s) I have opted for as well as other products/services offered by Royal Sundaram General Insurance Limited
2. Premium Payment:
I declare that the premium paid under this transaction to Royal Sundaram General Insurance Limited is being paid by me as the proposer/policyholder through a bank account or a Credit/Debit Card or a Prepaid Payment Instrument or a UPI wallet (Wallet), held by me in my name as a primary holder (referred to as "source account"). I confirm that it is not a third-party payment made by any other person on my behalf. I understand that in the event of policy cancellation, the refund of premium as per policy terms and conditions may be credited back to such source account, and such electronic transfer will constitute full and final discharge of the Company's obligation.
3. Authorization and Sharing of Information:
We authorize the Company to share information pertaining to my proposal, including medical records, for the sole purpose of proposal underwriting and/or claims settlement with any Governmental and/or Regulatory authority. Further, I agree that I shall not lodge any complaint to TRAI of any alleged unsolicited by Royal Sundaram to me, as part of their policy/claims servicing.
4. Information Sharing:
I hereby permit/authorize Royal Sundaram General Insurance Company Limited to collect, store, communicate, and process information relating to the policy(ies) and all transactions related therewith, including the sharing and disclosing the public authorities of any confidential information as required by law.
Select sum insured
Most popular
5 Lakhs (starts just ₹1200/month)
8 Lakhs (starts just ₹1800/month)
10 Lakhs (starts just ₹2400/month)
Specific Waiting Periods
The 20 conditions listed below will be subject to a waiting period of 24 months and will be covered in the third year of continuous coverage under the policy.
- Benign ENT disorders
- Tonsillectomy
- Adenoidectomy
- Mastoidectomy
- Tympanoplasty
- Hysterectomy
- All internal and external benign tumours, cysts, polyps of any kind, including benign breast lumps
- Benign prostate hypertrophy
- Cataract and age-related eye ailments
- Gastric/Duodenal Ulcer
- Gout and Rheumatism
- Hernia of all types
- Hydrocele
- Non-infective Arthritis
- Piles, Fissures and Fistula in anus
- Pilonidal sinus, Sinusitis and related disorders
- Prolapse inter Vertebral Disc and Spinal Diseases unless arising from accident
- Calculi in urinary system, Gall Bladder and Bile duct, excluding malignancy
- Varicose Veins and Varicose Ulcers
- Internal Congenital Anomalies
- Treatment for joint replacement unless arising
- Age-related Osteoarthritis & Osteoporosis
