Arogya Sanjeevani is an affordable standardised health insurance policy by Galaxy Health Insurance Company Limited that safeguards the entire family under a single plan. It covers essential benefits like hospitalisation, daycare procedures, pre/post-hospitalisation, and emergency ambulance services.

Both Individual and Family Floater cover options are available under Arogya Sanjeevani. The family floater allows multiple family members to share a single sum insured under one policy.

Adults between 18 and 65 years and dependent children from 3 months to 25 years are eligible. Parents and parents-in-law can also be covered together in a single policy.

Up to 2 Adults and 3 Children (2A+3C) can be covered under a family floater plan. Parents and parents-in-law can be included in the same policy, making it a truly comprehensive family cover.

Sum insured ranges from ₹50,000 to ₹10 Lakhs, available in multiples of ₹50,000. This wide range makes it accessible for low-income as well as middle-income families.

Arogya Sanjeevani is a 1-year policy that needs to be renewed annually. Premium can be paid in Monthly, Quarterly, or Half-yearly instalments for added convenience.

Yes — a mandatory 5% co-payment is applicable on all claims. This means the insured pays 5% of every claim amount from their own pocket, and the insurer covers the remaining 95%.

Yes — a Rural Discount of 20% is available for policyholders residing in rural areas. This makes the policy even more affordable for those in non-urban regions.

Room rent is covered at 2% of the sum insured per day, subject to a maximum of ₹5,000 per day. ICU charges are covered at 5% of the sum insured, capped at ₹10,000 per day.

Pre-hospitalisation expenses are covered for 30 days before admission. Post-hospitalisation expenses are covered for 60 days after discharge from hospital.

Yes — road ambulance charges are covered up to ₹2,000 per hospitalisation. This applies each time the insured requires emergency ambulance services.

Yes — all daycare procedures are fully covered under the policy. These include treatments that are completed within a day and do not require a 24-hour hospital stay.

Yes — cataract treatment is covered up to 25% of the sum insured or ₹40,000 per eye, whichever is lower, in a policy year. This limit applies individually to each eye.

Yes — AYUSH (Ayurveda, Yoga, Unani, Siddha, Homeopathy) treatment is covered up to the full sum insured. No sub-limit applies to AYUSH treatment under this policy.

For every claim-free policy year, a Cumulative Bonus of 5% of the sum insured is added — up to a maximum of 50%. This effectively increases your coverage over time at no extra cost.

Modern treatments are covered up to 50% of the sum insured. This includes advanced and emerging medical procedures and technologies recognised under the policy.

Yes — a No Claim Discount of up to 6% on the renewal premium is available based on the sum insured, in lieu of the Cumulative Bonus. This rewards policyholders who have not made claims.

There is a 30-day initial waiting period for all claims, except those arising from accidents. Accident-related claims are covered from the very first day of the policy.

Specified diseases have a 2-year waiting period; joint replacement surgery and age-related osteoarthritis/osteoporosis have a 3-year waiting period. Pre-existing diseases (PED) are covered after 3 years of continuous policy coverage.

For full details on coverage, exclusions, terms, and conditions, please refer to the product prospectus at www.galaxyhealth.com. Always read the policy wordings before concluding a purchase.