Simran is an insurance expert with more than 4 years of experience in the industry. An expert with previous experience in BFSI, Ed-tech, and insurance, she proactively helps her readers stay on par with all the latest Insurance industry developments.
Naval Goel, the founder of PolicyX is a well-recognised name in the Indian insurance and finance industry. His global overview has revolutionised the way insurance is perceived and bought by commoners in India.
Updated on Apr 29, 2025 4 min read
What Is Arogya Sanjeevani Policy?
Arogya Sanjeevani policy is a standard health insurance policy, launched by IRDAI on 1 April 2022.
Designed to support individuals and families who are on the lookout for affordable health insurance with a wide range of sum-insured options. The sum insured options available are from INR 1 to 5 Lakhs.
However, insurance providers offer this plan with different modifications and sum insured options.
Arogya Sanjeevani health insurance entry age criteria is 18 to 65 years for adults. Dependent children are covered from the age of 3 months to 25 years.
To find out if Arogya Sanjeevani health insurance is a fit for you, scroll down further.
Arogya Sanjeevani Health Insurance At A Glance
Take a look at Arogya Sanjeevani Health Insurance Plan essentials
Entry Age
Minimum: 18 Years Children: 3 Months to 25 Years Maximum: 65 Years
Standard Sum Insured
1 L | 2 L | 3 L | 4 L | 5 L
Policy Tenure
1 Year
Riders/ Add-Ons
None
Initial Waiting Period
30 Days
Arogya Sanjeevani Health Insurance Providers
Here are health insurance companies in India that provide Arogya Sanjeevani Health Insurance policy
Visual Representation of Arogya Sanjeevani Health Plan Premiums
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
Arogya Sanjeevani Health Insurance Features
Features associated with Arogya Sanjeevani health insurance are:
An economical option over other health insurance plans available in the market. Beneficial for those who want an individual or family floater plan at affordable prices
Short policy year of 1 year and you can opt to continue the coverage or discontinue at your convenience
Available as an individual and family floater health plan offering medical care for your entire family
COVID-19 coverage is available with the health plan
Sum insured availability ranges between 1 to 5 Lakhs. However, different health insurance providers offer different sum-insured options
A lifetime renewability option is available
Best Arogya Sanjeevani Plans in India 2025
Arogya Sanjeevani Policy
A standard health insurance policy, wherein you can choose coverage of up to Rs.1 lac to Rs.5 lacs.
A standard Health plan that offers coverage up to 5 lakhs to the insured & his family. The plan offers you everything you need under a health insurance plan.
Unique Features
Cumulative Bonus
Cataract treatment covered
Modern Procedures covered
Arogya Sanjeevani Policy (Pros)
Intensive Cardiac Care Charges
Ambulance charges up to 2000
Cataract treatment
In-patient hospitalization
Uterine Artery Embolization
Arogya Sanjeevani Policy (Cons)
No Eyesight correction expenses
Fertility expenses not covered
Nursing at home not covered
OPD expenses not covered
No Non-allopathic Treatment
Arogya Sanjeevani Policy (Other Benefits)
Floater benefit
Pre-existing diseases after 4 yrs
In-patient AYUSH treatment
Daycare procedures
Pre and post-hospitalisation
Arogya Sanjeevani Policy (Eligibility Criteria)
Entry Age - 18 Years
Maximum Entry Age - 65 Years
SI - 1 L to 5 L
Waiting Period - 30 Days
Kotak Arogya Sanjeevani Policy
It is a standard health insurance plan that offers medical coverage of up to 10 Lakhs. Also, a fixed co-pay of 5% is applicable for all claims and ages in this policy
A standard health insurance plan that comes with a coverage of 10 Lakhs. Moreover, the plan comes with a 5% Co-pay, applicable on all the admissible claims.
A standard health plan mandated by IRDAI that covers all essential healthcare benefits including Ayush treatment, day care procedures, etc. for individuals and families.
Unique Features
Room rent up to 5K/day
Modern treatments covered
20% rural discount available
Arogya Sanjeevani Policy (Pros)
Affordable Plan
50% No Claim Bonus
Flexible Policy
Day Care Procedures Covered
Up to 25% of SI for Cataracts
Arogya Sanjeevani Policy (Cons)
5% Co-payment
Obesity Treatment Unavailable
Hazardous Activity not covered
HIV/AIDS not covered
Cosmetic Surgery unavailable
Arogya Sanjeevani Policy (Other Benefits)
Lifelong Renewal
Road Ambulance Cover
Day Care Procedures Covered
AYUSH treatment Cover
Rural Discount
Arogya Sanjeevani Policy (Eligibility Criteria)
Entry Age - 3 Months
Max Entry Age - 65 Years
SI - 1 L to 10 L
Waiting Period - 30 Days
TATA AIG Arogya Sanjeevani Policy
A standard health plan designed to cover basic medical needs and keep you and your family protected in case of medical contingencies.
Unique Features
Cataract Treatment covered
AYUSH Coverage
Flexible Premium Payment
Arogya Sanjeevani Policy (Pros)
Robotic Surgeries
Oral chemotherapy
BronchialThermoplasty
Day Care Procedures Covered
Bronchial Thermoplasty
Arogya Sanjeevani Policy (Cons)
No Suicide Cover
Obesity Treatment Unavailable
Hazardous Activity not covered
HIV/AIDS not covered
Cosmetic Surgery unavailable
Arogya Sanjeevani Policy (Other Benefits)
Intra Vitreal Injections
Road Ambulance Cover
Plastic Surgery
AYUSH treatment Cover
Cumulative Bonus
Arogya Sanjeevani Policy (Eligibility Criteria)
Entry Age - 3 Months
Max Entry Age - 65 Years
SI - 1 L to 5 L
Waiting Period - 30 Days
Royal Sundaram Arogya Sanjeevani
Provides coverage for basic medical expenses, which include hospitalization, and pre and post-hospitalization expenses at affordable prices.
Unique Features
Cataract Cover
Hernia Cover
Pre Existing Disease Cover
Arogya Sanjeevani (Pros)
Cataract Treatment
Pre Hospitalization
Post Hospitalization
Modern Treatments
Cumulative Bonus
Arogya Sanjeevani(Cons)
No Gender Treatments
No Global Coverage
No Maternity Cover
No Cosmetic Cover
No Obesity/Weight Cover
Arogya Sanjeevani(Other Benefits)
Dental Cover
Day Care Treatment Cover
Ambulance Cover
Parents-in-law cover
5% No Claim Bonus
Arogya Sanjeevani (Eligibility Criteria)
Entry Age - 18 Years
Max Entry Age - 65 Years
SI - 50 Thousand to 10 Lakh
Waiting Period - 30 Days
ManipalCigna Arogya Sanjeevani Policy
An affordable standard health insurance plan for individuals and family members with up to 10 L SI.
Unique Features
Affordable Health Coverage
Avail modern treatments
Avail AYUSH Treatment
Arogya Sanjeevani Policy (Pros)
Allopathic & AYUSH Cover
Cashless Hospitalization
Tax Benefits
Multiple Discounts
Up to 50% Cumulative Bonus
Arogya Sanjeevani Policy (Cons)
Injuries due to unlawful activities
Obesity
Cosmetic Surgery
Injuries due to illegal activities
Dental Treatment
Arogya Sanjeevani Policy (Other Benefits)
Pre & Post Hospitalization
Road Ambulance Cover
15-Day Free-Look Period
Up to 10 L SI
30-Day Grace Period
Arogya Sanjeevani Policy (Eligibility Criteria)
Entry Age - 91 Days
Max Entry Age - 65 Years
SI - 50k to 10 Lakhs
Waiting Period - 30 Days
Iffco Tokio Arogya Sanjeevani Policy
A standard health policy that offers coverage to individuals and their families against medical expenses. The policy offers coverage of up to INR 5 Lakhs.
Unique Features
Cumulative bonus for claim free year
5% co-payment on all claims
Cataract treatment up to INR 40K
United Arogya Sanjeevani Policy
The standard health insurance plan, which is designed to look after your healthcare needs at affordable premiums.
Unique Features
Coverage for cataract treatment
AYUSH Treatment covered
Cumulative Bonus up to 5%
Arogya Sanjeevani Policy(Pros)
Pacemaker Implantation Covered
Daycare Treatment Covered
Asthma Treatment Covered
Domiciliary Hospitalization
Organ Donor Benefit
Arogya Sanjeevani Policy(Cons)
No Maternity Cover
No Global Coverage
No Unproven Treatments
No Change in Gender
No Obesity Treatment Cover
Arogya Sanjeevani Policy(Other Benefits)
3 Policy Variants
Spouse Cover
Hypertension Treatment Covered
Influenza Treatment Covered
Senior Citizen Cover
Arogya Sanjeevani Policy(Eligibility Criteria)
Entry Age - 18 Years
Max Entry Age -65 Years
SI - 2 L to 20 L
Waiting Period - 30 Days
New India Assurance Arogya Sanjeevani Policy
The plan covers you and your family against new age treatments, pre, and post-hospitalization, and hospital room rent charges.
Arogya Sanjeevani is a standard indemnity-based health insurance product designed to safeguard the medical requirements of customers.
Unique Benefits
Covers Cataract Treatments
No Health Check-ups up to 45 years
Cumulative bonus of 5% on SI
Universal Sompo Aarogya Sanjeevani Insurance
A standard health plan that offers complete protection in case of hospitalization due to any serious illness or accident.
Unique Features
Treatment of Cataract covered
Dental Treatments covered
Plastic Surgery covered
Magma HDI Arogya Sanjeevani
It is an all-in-one plan that covers hospitalization and modern treatments. The plan also provides coverage for accidental injuries and pre-existing diseases.
Unique Features
ICU Cover
Room Rent Cover
5 % Cumulative Bonus
Arogya Sanjeevani (Pros)
AYUSH Cover
Day Care Treatment
Cataract Cover
Stem cell therapy Cover
Oral chemotherapy Cover
Arogya Sanjeevani (Cons)
No Global Cover
Hazardous or adventure sports
No Obesity Treatment Cover
No Cosmetic Treatment Cover
No War Injury Cover
Arogya Sanjeevani (Other Benefits)
Pre & Post Hospitalization
Deep Brain stimulation
Oral chemotherapy Cover
Bronchial Thermoplasty
Ambulance Cover
Arogya Sanjeevani (Eligibility Criteria)
Entry Age - 18 Years
Max Entry Age - 65 Years
SI - 50 K to 10 L
Waiting Period - 30 Days
Cholamandalam Health Aarogya Sanjeevani
A plan that covers you and your family against the financial risks arising out of medical contingencies and offers the flexibility of paying in multiple frequencies.
Unique Features
No health Check-up
Avail discounts
Family cover
Oriental Aarogya Sanjeevani Policy
Covers hospitalization charges for the individual and family members. It is a standard plan that covers many illnesses and annual medical checkups.
Unique Features
All daycare expenses covered
Cover parents and parents in law
Lifelong renewal with no exit age
Aarogya Sanjeevani Policy(Pros)
Domiciliary Expenses Covered
5% Cumulative Bonus
Dental surgery Expenses
Ambulance Charge Cover
5.5% Non-TPA Discount
Aarogya Sanjeevani Policy(Cons)
No Dietary Supplements Cover
No War Injury Cover
No Biological Injury Cover
No Rheumatism Cover
No Obesity/Weight Cover
Aarogya Sanjeevani Policy(Other Benefits)
Spouse Cover
Dependent Child Cover
50% Medical Checkups Covered
Daycare Treatment Covered
ICU Cover
Aarogya Sanjeevani Policy(Eligibility Criteria)
Entry Age - 18 Years
Max Entry Age -65 Years
SI -5 L to 20L
Waiting Period - 30 Days
Raheja QBE Arogya Sanjeevani Policy
The Policy offers hospitalization coverage from Rs. 50,000 to Rs. 10 lakhs. This coverage is available on an individual and on a family floater sum insured basis.
Standard indemnity health insurance product, having Sum Insured up to 10 Lakhs available in both individuals and floater type.
Unique Features
Individual/Floater
Online purchase discount
EMI facility available
Arogya Sanjeevani Policy (Pros)
High SI
Affordable Premiums
Tax Benefits
Up to 50% No-claim Bonus
Flexible-Premium Payment
Arogya Sanjeevani Policy (Cons)
Treatment outside India
OPD Diagnostics
Injury Due To Illegal Activity
Injury Due To Hazardous Activities
Adventure Sport Injuries
Arogya Sanjeevani Policy (Other Benefits)
Enhanced Limits for Room Rent
Avail Online Discounts
Change Sum Insured
Lifelong Renewal
AYUSH Treatment
Arogya Sanjeevani Policy (Eligibility Criteria)
Entry Age - 3 Months
Max Entry Age - 65 Years
SI - 1 L to 10 L
Waiting Period - 30 Days
Arogya Sanjeevani Health Insurance Inclusions
Here is what you are covered for on purchasing the Arogya Sanjeevani Health Insurance Policy
Inclusions
Features
Pre and Post Hospitalization
Expenses covered before and after hospitalization
COVID-19 Cover
You are covered for treatment of COVID-19
AYUSH Cover
Covered for alternative treatments like Ayurveda, Unani, Siddha, and Homeopathy
ICU Cover
The policy will cover you for ICU admission as per policy sub-limits
Room Rent
Covers room rent for insured individuals till hospitalization
Road Ambulance
Road ambulance will be covered for medical emergencies
Modern Treatments
Covers modern treatments up to 50% of SI
Cataract
Cataract treatment is covered up to 25% of SI or up to INR 40,000
Arogya Sanjeevani Health Insurance Exclusions
The following are the exclusions for Arogya Sanjeevani Health Insurance:
Self-inflicted injuries or attempted suicide
Injuries out of war or acts of terrorism
HIV/AIDS treatments
Obesity treatment
Cosmetic or plastic surgeries
Injuries/hospitalization caused by adventure sports
Arogya Sanjeevani Health Insurance Pros And Cons
The pros and cons associated with the Arogya Sanjeevani plan are:
Pros
Cons
A simple health plan with basic coverage is offered
No riders available
Comprehensive features like AYUSH Treatment, Road Ambulance, Daycare procedures, etc.
A low range of sum insured options is available
Upto 50% no-claim bonus available to insurance holders
Various sub-limits on treatments like cataracts and modern treatment
Affordable premiums make it a household name
No major ailments are covered
Flexible premium payment installment option for policyholders
Compassionate travel unavailable
Lifelong renewability option available
Maternity or newborn cover is unavailable
How is Arogya Sanjeevani Policy different from Health Insurance?
Arogya Sanjeevani health insurance is an affordable health plan launched by IRDAI. It is designed to meet basic healthcare needs along with COVID-19 coverage.
Arogya Sanjeevani health policy is an attempt to make healthcare policies available to all with a basic sum insured value and all necessary features.
As compared to other health plans, the Arogya Sanjeevani policy is an economical policy and one of the best options for young individuals who have started earning recently.
How to Buy Arogya Sanjeevani Policy?
I. Directly through the Insurer's Website
1
Calculate Premium with Arogya Sanjeevani Premium Calculator
2
Choose the plan as per your requirements
3
Fill the proposal form with the required information
4
Pay the premium online via debit/credit card
5
Arogya Sanjeevani Policy will be issued online
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
1
Fill in all the required details in the 'Calculate Premium' section
2
The next page will show all the available plans
3
Choose the most suitable Health Plan and click on 'Buy Now'
4
Pay the premium online
5
Details will be shared at your registered email address
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
Claim Intimation
Inform the Insurer about Hospitalization at the earliest.
Documents Submission
Submit the requisite forms, Health Card, photo ID at the Hospital Desk.
Claim Settlement
On approval, the Insurer settles your claim directly with the hospital.
Reimbursement Claims
Claim Registration
Inform the Insurer about Hospitalization at the earliest.
Documents Submission
Submit original copies of bills to the Insurer within 15 days post discharge.
Claim Settlement
Once approved, the claim amount shall be transferred to your account.
Original reports of diagnostic tests, radiology reports, and payment receipts.
Original hospital bills and discharge certificate signed by a medical practitioner.
Valid ID Proof.
Medical practitioner's prescription for consultation, medicine, and medical tests.
Post Mortem Report (if applicable).
Others requested by the company.
Wrapping It Up
If you are new to health insurance and are a little confused about which plan is the right one for you, Arogya Sanjeevani health policy is one of the best options.
It is an affordable plan and does not require you to commit for the long term. This health plan is available at every health insurance provider with different variations of sum insured options.
To understand features, inclusions, and exclusions along with the pros and cons of Arogya Sanjeevani health policy refer to this article for a better understanding.
OR
Give a call to our expert advisors at PolicyX and get your queries answered, anytime!
Arogya Sanjeevani Policy: FAQs
1. Is COVID-19 covered under Arogya Sanjeevani health insurance?
Yes, Arogya Sanjeevani health policy covers COVID-19.
2. What are the eligibility criteria for Arogya Sanjeevani Health Insurance?
The eligibility criteria for the Arogya Sanjeevani Health Insurance is 18 to 65 years for adults. While dependent children can be covered from 3 months to 25 years.
3. What are the cancellation conditions for Arogya Sanjeevani Health Insurance?
Refer to the following terms and conditions for cancellation
Cancellation Type
% of Premium Refunded
Up to 30 days
75%
31-90 days
50%
3 months - 6 months
25%
6 - 12 months
0%
4. What is the free-look period available under Arogya Sanjeevani Health Insurance?
A 15-day free look period is available under the Arogya Sanjeevani Health Policy.
5. Is there any limit on the number of claims one can make under the Arogya Sanjeevani policy?
No, there is no limit on the number of claims one can make under this plan. However, the claims will be admissible only until your coverage is not exhausted.
6. What is the policy tenure of Arogya Sanjeevani Policy?
The policy tenure of Arogya Sanjeevani is for 1 year only.
7. How many family members are covered under Arogya Sanjeevani Policy?
The policy covers 2 adults (self and spouse) and up to 3 dependent children.
8. Can I avail Cashless Hospitalization under this policy?
Yes. If you receive treatment at a Network Hospital associated with your Insurance Provider, you can avail Cashless Hospitalization under Arogya Sanjeevani.
9. Does Arogya Sanjeevani cover hospital room rent charges?
The policy covers the room rent up to a maximum of Rs. 5,000 per day, subject to the Sum Insured.
10. Can NRI's get access to Arogya Sanjeevani Scheme?
Yes, an NRI can buy Arogya Sanjeevani Insurance. However, before choosing one, you need to contact your insurer as every company comes with different terms & conditions.
11. Does Arogya Sanjeevani Insurance offer any riders for enhanced protection?
No, the plan does not have any riders.
Health Insurance Companies
Compare health insurance plans from different companies.
Simran is an insurance expert with more than 4 years of experience in the industry. An expert with previous experience in BFSI, Ed-tech, and insurance, she proactively helps her readers stay on par with all the latest Insurance industry developments.
Do you have any thoughts you’d like to share?