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Arogya Raksha (Only renewal allowed upto 05/06/2023)

Arogya Raksha (Only renewal allowed upto 05/06/2023)

Group Health Insurance Policy (By arrangement with M/s. United India Insurance Co. Ltd).

CO: R & GR (Bancassurance)

Kind Attention: Esteemed Customers

Reference is invited to Bank’s corporate agency agreement with M/s. United India Insurance Co. Ltd (UIIC), wherein co-branded product “Arogya Raksha” from United India Insurance is offered for covering Health Insurance.

In this regard, Bank has received notice from M/s. UIIC on withdrawal of Arogya Raksha product from 06/03/2023, which is being circulated by M/s. UIIC in their regional/representative offices, website, and news-papers along with direct intimation to policy holders.

As per the notice, renewals falling within the 90 days of the notice period i.e., from 06/03/2023 to 05/06/2023, the policy can be renewed before 05.06.2023 with all the existing terms and conditions at prevailing premium rates till the policy’s expiration period. Further, all the policies which are in-force will continue to be serviced till the policy expiry period and any claims raised during the policy period will be honored as per the terms and conditions of the policy.

Keeping in view our customers interest first, it is reiterated that Bank values its relationships with customers and is empathetic to their interests. Bank is in the process of discussion with the existing insurer and other insurance partners for portability of the insurance coverage of all its Arogya Raksha customers along with existing and continuity benefits.

For any further clarifications, visit the nearest Indian Bank branch.


General Manager

R & GR / Bancassurance

Who is eligible?

  • All A/c holders of Indian Bank

Age Group

  • 18 Years; Maximum: 65 years for Proposer/ Insured Persons except in case of children and renewal age is lifetime and with no medical check-up

Plans Offered

  • Plan A : Self (A/c holder) + Spouse + Two dependent children ( 1+3), Eldest Insured Person aged up to 35 years.
  • Plan B : Self (A/c holder)  + Spouse + Two dependent children ( 1+3), Eldest Insured Person aged above 35 years (Max Entry Age : 65 years).
  • Plan C : Self (A/c holder) + Spouse + Two dependent children + Two Parents of Proposer ( 1+5)  (Max Entry Age : 65 years.

Type of Cover

* Mediclaim cover – Floater policy for members of the family covered (i.e. A/c holder, Spouse, 2 *Children & 2 *Parents )
* Personal Accident Death Cover – A/c holder – 100% of Mediclaim Sum Insured (SI), Spouse – 50% of Mediclaim SI and *Children – 25% each of Mediclaim SI subject to the total claim settlement not to exceed eligible/opted sum insured. Parents however not covered.
* Nomination facility available

Sum Assured

* Rs.1 lakh to Rs.10 lakhs. Enhancement allowed only at the time of renewal up to Rs.2 lakhs only.


Please visit our Bank’s Home Page/Net Banking Arogya Raksha Site or contact nearest Indian Bank branch
* Click here for Arogya Raksha – – Premium Rates

Waiting Period

Waiting period of 30 days in the First year for Coverage (except for accident).

Whether Cashless Treatment Available?

Yes, subject to certain conditions and only at the Network Hospitals administered through TPAs.


Renewal allowed on Annual basis with 30 days of Grace Period from the date of expiry of policy.

Tax Benefit

U/s 80 D.

Maternity Expenses

 (Applicable only for
first two childbirth)

Medical expenses up to Rs. (5% of Sum Insured) in respect of female Insured Person above 18 years during the Policy Period for the delivery of a child in a Hospital/Nursing home arising from or traceable to Pregnancy childbirth including normal caesarean section during the Policy Period or for medically required and lawful medical termination of pregnancy.
The hospitalization expenses in respect of treatment given to the new-born baby in the Hospital as an inpatient for a maximum period of 90 days from the date of its birth shall be covered within the Mother’s Maternity expenses.

Covering for pre-existing diseases

All Pre-existing diseases to get coverage after 36 months of continuous coverage of such insured person.

Loyalty Incentive

Reimbursement expenses incurred towards cost of health check-up up to Rs. (1% of average Sum Insured) of preceding 4 claim-free years for a block of every three claim-free years.

Reimbursement of Expenses – Nepal & Bhutan in INR

For treatment while the insured is away at these places either on holiday or business purposes. Cashless facility however is not offered under this extension

Other terms and conditions

Please refer to Arogya Raksha Policy Scheme features made available in UIIC “Arogya Raksha Portal” or can also be obtained from any of our branches.
* Click here for Arogya Raksha – – Summary of Terms & Conditions 
Click here for Arogya Raksha – – Claim Forms 
Click here for Arogya Raksha – – TPA Details 
* Click here for Arogya Raksha – Detailed Policy Terms & Conditions

( Last modified on Mar 08, 2023 at 01:03:08 PM )