Arogya Sanjeevani Policy

To make health insurance accessible for all, Insurance Regulatory and Development Authority of India (IRDAI) has mandated a standard health insurance plan for all individuals and their families from 1st April 2020. The name of the mandated plan is Arogya Sanjeevani Policy.

Arogya Sanjeevani Policy is a basic health insurance plan that offers a broad spectrum of coverage to protect you and your family from financial contingencies caused due to hospital expenses. The plan is offered by all the public and private general health insurers across India.

Arogya Sanjeevani Policy is an affordable health insurance policy that covers the individual against the expenses incurred against Hospital Room Rent, ICU services, Nursing & Boarding charges, Pre & Post hospitalization, and even Modern Age treatments with a wide range of sum-insured options ranging between Rs. 1 lakhs to Rs. 10 lakhs. The plan also covers hospitalization expenses incurred due to Coronavirus (COVID-19).

To know more about Arogya Sanjeevani Policy Details, continue reading:

How is Arogya Sanjeevani Policy different from Health Insurance?

Nowadays, health Insurance companies ensure to provide health insurance to everyone. However, with high premiums, it is not possible for everyone to afford the same. Therefore, to help the general public, the Insurance Regulatory and Development Authority of India (IRDAI) launched the Arogya Sanjeevani Health Insurance Policy on April 1, 2020. Arogya Insurance is a standard and simplified health insurance policy that covers basic healthcare expenses in case of hospitalization.

Key Features of Arogya Sanjeevani Policy

Take a look below to explore more about Arogya Sanjeevani Policy, and then make an informed decision.

Inclusions of Arogya Sanjeevani

Arogya Sanjeevani Health Insurance offers certain inclusions that make it one of the best health plans. Take a look at the below section to explore all the inclusions of the Arogya Sanjeevani Policy:

1. COVID-19 Cover

   The plan covers treatment expenses incurred due on the positive diagnosis of Covid- 19.

2. Hospital Room Rent Coverage

   If policyholder or his/her family member requires hospitalization, the plan covers Room Rent of the hospital up to a maximum limit of Rs. 5,000 per day.

3. AYUSH Coverage

   The hospitalization expenses incurred on Ayurveda, Homoeopathy, Siddha, Unani related treatments are also covered under this plan.

4. ICU/ICCU Charges

   The policy pays up to Rs.10,000 or 5% of the total sum insured for ICU/ICCU related expenses.

5. Emergency Ambulance

   In case, the Insured or any of his/her family members require emergency transportation from one hospital to another, Ambulance Charges up to Rs. 2000 per hospitalization are included under this plan.

6. Daycare Treatments

   The policy covers the expenses related to Daycare procedures which require less than 24 hours of hospitalization.

7. Pre and Post hospitalization Expenses

   The policy covers all the Pre and Post-hospitalization expenses for a period of 30 days and 60 days respectively.

8. Dental Treatment

   The policy covers Dental Treatment expenses incurred due to an unfortunate accident/ mishap.

9. Plastic Surgery

   Expenses incurred on Plastic Surgery due to accidents are covered under the policy.

10. Cataract Treatment

    Expenses incurred on Cataract surgery are also covered up to Rs. 40,000 or 25% of the sum insured.

11. New Modern Age Treatments

    The cost of Advanced Medical Treatments is also covered under this plan up to a maximum of 50% of the total sum insured amount.

    List of New Age Treatments which are covered under Arogya Sanjeevani Policy:

    • Immunotherapy
    • Balloon Sinuplasty
    • Deep Brain Stimulation
    • Bronchial Thermoplasty
    • Oral Chemotherapy
    • Uterine Artery Embolization
    • High Intensity focused ultrasound
    • Holmium laser treatment

    • Intra Operative Neuro Monitoring (IONM)
    • Stereotactic radio surgeries
    • Intra vitreal treatment
    • Bronchial Thermoplasty
    • Green laser treatment
    • Robotic Surgeries
    • Stem cell therapy

Eligibility Criteria

Below mentioned is the eligibility criteria of the Arogya Insurance policy:

Arogya Sanjeevani Policy Premium

The below-mentioned graph represents the Arogya Sanjeevani Policy Premium which is to be paid by a healthy male of 30 years at the Sum Assured amount of Rs. 5 lakhs. The premium has been calculated for the above-mentioned companies. Take a look and get an idea of how much you need to pay for your Arogya Sanjeevani Health Insurance policy:

Few Health Insurance Companies That Offer Arogya Sanjeevani Policy

Let's understand the premium rates with the help of a graph.

The belowmentioned graph represents the Premium which is to be paid by a healthy male of 30 years at the Sum Assured amount of Rs. 5 lakhs (for different companies).

Premium payable by an individual under Arogya Sanjeevani Policy

Exclusions

Here is a list of exclusions that are not covered under the Arogya Sanjeevani Health Insurance Policy:

How to Buy Arogya Sanjeevani Policy?

I. Directly through the Insurer's Website

Note: The procedure of buying Arogya Sanjeevani policy varies from company to company. Refer to the company's brochure for more information.

II. From PolicyX.com

What is the Claim Process of Arogya Sanjeevani Policy?

Claims can be settled in two ways:

Cashless Claim - When you're admitted to a Network Hospital

Reimbursement Claim - When you're admitted to a Non Network Hospital

Cashless Claims

Reimbursement Claims

Documents Required