Secure your family for life
What is Aarogya Bima Policy?
Healthcare prices are rising sharply and you don’t want to burden with the hospital bills during critical times.
You can protect your family with an insurance that fits your budget and needs.
We bring you Aarogya Bima, an affordable health insurance that financially secures your entire family. From hospitalisation to medical tests, pre-hospitalisation to post-hospitalisation, we cover everything!
Why buy Aarogya Bima?
Floater Benefit
Under a single sum insured, cover yourself and your spouse.
Portability
Port your existing policy with us to avail of benefits and services. Portability is as per the portability guidelines of IRDAI.
Free Look Period
We hold no grudges. So, even if you do not like the policy, we allow free cancellation within 30 days, subject to some conditions.
30 Days for Renewal
From the expiry date of the policy, you get 30 days grace period for renewal.
What is in for you?
THERE ARE ADDITIONAL BENEFITS FOR YOU!
Swift and easy claim settlements- Coverage for your entire family
- Cashless claims
- Quick policy issuance
- Affordable premiums
- Installments available
- Co-payment available
- Tax benefits
- Family discount
What is covered?
INCLUSIONS
Inpatient Treatment
Hospitalisation includes room rent, ICU charges, and nursing expenses. These can get really expensive and sometimes beyond your budget. But with our policy by your side, you can opt for the best treatment without thinking twice!
Pre-and Post-hospitalisation expenses
We understand that treatment isn’t only limited to hospitalisation. That’s why we take care of your medical expenses before and after you’re admitted. We also pay for your daycare treatment expenses.
Other Inpatient Expenses
Operation theatre charge, Consultant fees, Specialist fees, Medication, X-ray and other diagnostic tests
Pre-Acceptance Medical Tests
No pre-insurance medical examination test is required if the Insured is up to 50 years of age, irrespective of the Sum Insured opted, subject to no medical declaration in the proposal form.
Medical Report Validity
30 days from the day tests were done. Medical tests will be done in our empanelled diagnostic centre.
What is not covered?
EXCLUSIONS
Hormone replacement therapy or sex-change treatment
Existing illnesses or disabilities
Illnesses or injuries due to the consumption of alcohol or drugs
Injury or illness due to war or warlike operations
What are the plans and eligibility in Aarogya Bima?
Our plans
Plan A - Mandatory co-payment of 10%
Plan B - Mandatory co-payment of 10% and additional co-payment of 20%
Plan C - Mandatory co-payment of 10% and additional co-payment of 30%
Minimum Policy Term : 1 Year
Maximum Policy Term : 3 Years
Eligibility
Minimum entry age of Proposer - 18 years
Maximum entry age of Proposer - 70 years
Minimum entry age of Child - Day 1
Maximum entry age of Child - 25 years
Maximum Renewal Age - Lifelong
Family Definition
Individual option - Self, Spouse, Up to 4 dependent children (Unmarried and up to the age of 25 years) and 2 dependent parents
Family Floater option - Self, Spouse and Up to 3 dependent children (Unmarried and up to the age of 25 years)
Is there any waiting period?
| WAITING PERIOD | DISEASES |
| 30 days | Any illness, diagnosed or diagnosable except those incurred as a result of Injury |
| 24 months | Varicose veins and Varicose ulcers, Benign Prostatic Hypertrophy, Dysfunctional Uterine Bleeding, Hernia, Hydrocele, Fistula/ Fissure in Ano, Hemorrhoids |
| 36 months | Pre-existing conditions. |
What Generali Central Health Insurance Offers
- 94%Claim Settlement Ratio
- 3 hrCashless Settlement
- 6000Cashless Hospitals
How to buy Aarogya Bima
You can purchase our policies in several ways:
You Can Call On Our HELPLINE
1800-220-233 / 1860-500-3333 / 022-67837800
OR
SEND US AN EMAIL
OR
VISIT BRANCH
Walk-in to any of our nearest branches
What happens after purchase?
Once you secure the insurance cover, you get a financial assurance for all your health needs. You also get documents for your better understanding and convenience.
Health Card for Cashless Treatment
It is for utilising cashless facility at network hospitals. You can even avail discounts which are offered by our allied partners. Check out the GCH Privilege section for getting more details.
Policy Schedule
You will receive the policy schedule. It is an outline of the cover which is provided by the purchased policy. Details of the policyholder, coverage amount, additional clauses, exclusions, warranties etc will be given in this policy.
Premium Receipt
You will receive the receipt of the premium amount you have paid to purchase this policy.
80D Tax Deduction Certificate
If the premium is paid via Credit Card/Debit Card, Net Banking, or Cheque except cash payment.
Policy Coverage and Terms & Conditions
This is a comprehensive document which lists down the coverage offered by the policy along with terms and conditions. It is better to read this thoroughly and highlight important points. In case of any discrepancy or doubt, do get in touch with us immediately.
Claim Form
You can either intimate your claim online or submit the form to a branch of your choice. You can also email the claim details to us.
Complaint/Feedback Form
Should you have any complaints/feedback, you can fill in the form and submit it to the nearest branch Or email it to us.
Grievance Redressal
In case you aren’t satisfied with the resolution provided by us to your complaint, then you can approach the Insurance Ombudsman. This form will have details about the procedure to approach the insurance ombudsman along with the addresses of the ombudsman.
What is the reimbursement claim process?
Our claim settlement process is fast and relaible
Collate Documents
Upon discharge, pay all hospital bills and collect all original documents of treatment undergone and expenses incurred
Claim Form
Download and fill the GCI health claim form
Claim Settlement
We will settle the claim in subject to policy terms and conditions
What is cashless claim process?
File your claim in minutes with Generali Central’s easy four-step claim process
Visit Hospital
Approach an insurance desk of your nearest GCI Network Hospitals and show your health card for Cashless Treatment
Verify Yourself
The Network Hospital will verify your identity and submit duly filled pre-authorization form with Generali Central
Get Admitted
You get admitted without any deposit and get cashless treatment
Peace of Mind
Once you are discharged, the hospital will send your claim documents to GCI and the authorized amount will be settled directly with the hospital
Need to know more about Health Insurance?
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How GST Reform Affect Health Insurance Premiums?
The recent GST reforms have scrapped the 18% GST on health insurance. Learn how recent GST reforms affect health insurance premiums and more.
The recent GST reforms have brought relief for health insurance policyholders. Starting from 22nd September 2025, health insurance premiums will be completely exempted from tax liabilities, which currently stand at 18% GST. This reform was introduced after the 56th GST council meeting under the leadership of Finance Minister Nirmala Sitharaman.
As a policyholder or an individual looking to purchase a reliable health insurance policy, it is important to understand how GST reforms can affect the premium paid under a health insurance plan. Let’s get into the details.
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