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Arogya Sanjeevani
What it does not cover?
  • Initial Waiting Period: 30 days for all illnesses (not applicable on renewal and for accidents)
  • Waiting period of 2/4 years for treatment of listed diseases

    — 24 Months Waiting period

    • Benign ENT disorders
    • Tonsillectomy
    • Andenoidectomy
    • 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

    — 48 Months waiting period

    • Treatment for joint replacement unless arising from accident
    • Age-related Osteoarthritis and Osteoporosis
  • Pre-Existing Disease (PED): Benefits not available for any pre-existing condition(s) until 48 consecutive months of continuous coverage
  • Any expenses incurred on domiciliary hospitalisation and OPD treatment
  • War (whether declared or not) and war like occurrence or invasion, acts of foreign enemies, hostilities, civil war, rebellion, revolution, insurrections, mutiny, military or usurped power, seizure, capture, arrest, restraints and derailments of all kinds.
  • Unproven Treatments & Maternity Expenses
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