Arogya Sanjeevani Policy
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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 AgeMinimum: 18 Years
Children: 3 Months to 25 Years
Maximum: 65 Years
Standard Sum Insured1 L | 2 L | 3 L | 4 L | 5 L
Policy Tenure1 Year
Riders/ Add-OnsNone
Initial Waiting Period30 Days

Arogya Sanjeevani Health Insurance Providers

Here are health insurance companies in India that provide Arogya Sanjeevani Health Insurance policy

Company NamePlanClaim Support (within 3 months)Maximum Sum Insured (in Rs)Premium @ Sum Insured 5 Lakhs (in Rs.)
Star Health and Allied Insurance CompanyArogya Sanjeevani Policy99.9%10,00,0004921
ICICI LombardArogya Sanjeevani Policy96.93%5,00,0005449
Bajaj Allianz General Insurance CompanyBajaj Allianz Arogya Sanjeevani Policy98.61%25,00,0005320
Reliance General Insurance CompanyReliance Arogya Sanjeevani Insurance Plan98.16%5,00,0004495
SBI General Insurance CompanyArogya Sanjeevani Health Insurance97.84%5,00,0004501

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

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 2024

Arogya Sanjeevani Policy

A standard health insurance policy, wherein you can choose coverage of up to Rs.1 lac to Rs.5 lacs.

Unique Benefits

  • Avail 5% cumulative bonus
  • Cataract treatment covered
  • All daycare treatments covered

Arogya Sanjeevani Policy (Pros)

  • AYUSH Treatment
  • Pre & Post Hospitalization Cover
  • Cashless Treatment
  • Day Care Treatments
  • 5% No Claim Bonus

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)

  • High SI
  • Room Rent Cover
  • Cataract Treatment
  • 5% ICU Cover
  • Individual & Family Floater

Arogya Sanjeevani Policy (Eligibility Criteria)

  • Entry Age - 3 Months
  • Max Entry Age - 65 Years
  • SI - 1 L to 5 L
  • Waiting Period - 30 Days

A robust policy that takes care of 360-degree health needs for you and your family with a maximum sum assured up to INR 25 lakh.

Unique Features

  • Modern Treatment covered
  • Avail AYUSH treatment
  • Avail cumulative bonus

Arogya Sanjeevani Plan (Pros)

  • Cataract Treatment
  • Modern Treatment
  • Pre-hospitalization
  • Post-hospitalization
  • Hospitalization Cover

Arogya Sanjeevani Plan (Cons)

  • No Global Coverage
  • No Weight Control Cover
  • No Sleep Apnea Cover
  • HIV/AIDS not covered
  • No War Injury Cover

Arogya Sanjeevani Plan (Other Benefits)

  • Plastic Surgery Cover
  • Spouse Cover
  • Child Cover
  • Dental Treatment Cover
  • Diabetes Cover

Arogya Sanjeevani Plan (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 1 L to 25 L
  • Waiting Period - 30 Days

Digit Arogya Sanjeevani Policy

It is a standard health insurance plan that mainly covers emergency hospitalization, alternative treatment, Inpatient Care and ICU expenses.

Unique Benefits

  • Lifelong Renewability
  • 5% of copayment applicable
  • Plastic Surgery & Dental Treatments

Arogya Sanjeevani Policy (Pros)

  • Cataract Treatment
  • Loss Of Limbs Cover
  • Loss Of Sight Cover
  • Easy Online Processes
  • Congenital Anomaly Cover

Arogya Sanjeevani Policy (Cons)

  • No Unproven Treatments
  • No Maternity Expenses Cover
  • No War Injury Cover
  • No Drug Abuse Cover
  • No Obesity Cover

Arogya Sanjeevani Policy (Other Benefits)

  • Deep Brain stimulation
  • Daycare Procedure Cover
  • Death Cover
  • 5% No Claim Bonus
  • Family Floater Policy

Arogya Sanjeevani Policy (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Age- 65 Years
  • SI - 3 L to 2 Cr
  • Waiting Period - 30 Days

A standard comprehensive plan mandated by IRDAI that offers coverage for both Ayurvedic or Allopathic treatments.

Unique Benefits

  • AYUSH Treatment
  • Pre and Post hospitalization
  • 5% cumulative bonus

Care Arogya Sanjeevani (Pros)

  • Affordable Premium
  • Lifelong Renewability
  • Tax Benefits
  • Ambulance Expenses Cover
  • Cataract Treatment Cover

Care Arogya Sanjeevani (Cons)

  • Change of Gender Treatments
  • Obesity Treatment Unavailable
  • Hazardous Activity Not Covered
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable

Care Arogya Sanjeevani (Other Benefits)

  • Modern Treatments Available
  • 50% Cumulative Bonus
  • 30 Days Pre Hospitalization
  • 60 Days Post Hospitalization
  • COVID-19 Cover

Care Arogya Sanjeevani (Eligibility Criteria)

  • Entry Age - 5 Years
  • Max Entry Age - 65 Years
  • SI - 5 L
  • Waiting Period - 30 Days

Future Generali Arogya Sanjeevani

A health insurance plan that offers standard benefits as directed by the IRDAI. The plan offers coverage up to INR 10 Lakhs.

Unique Features

  • Cataract Treatments covered
  • Coverage for Modern Treatments
  • Avail up to 50% increase in SI

Arogya Sanjeevani (Pros)

  • Day Care Procedures
  • Inpatient Care
  • Plastic Surgery Due to Injury
  • Dental Cover
  • AYUSH Cover

Arogya Sanjeevani (Cons)

  • 4-Year WP For Joint Replacement
  • No Diabetics 2 Cover
  • No War Injury
  • 2 Year WP For Cataract
  • Cosmetic Surgery unavailable

Arogya Sanjeevani (Other Benefits)

  • Cataract Cover
  • Post Hospitalization
  • Pre Hospitalization
  • Oral chemotherapy Cover
  • Stem cell therapy Cover

Arogya Sanjeevani (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI -NA
  • Waiting Period - 30 Days

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

Unique Features

  • Coverage for cataract treatment
  • Modern treatments covered
  • Cumulative bonus of 5%

A standard and affordable health plan that offers medical coverage to individual and their families with a coverage of up to 10 Lakhs.

Unique Features

  • Special treatments Cover
  • Daycare treatments covered
  • Dental Treatment

Arogya Sanjeevani (Pros)

  • Ayush Benefit
  • Cataract Treatment
  • Flexible Policy
  • Cumulative Bonus
  • Pre & Post Hospitalisation

Arogya Sanjeevani (Cons)

  • 5% Co-payment
  • No Unproven Treatments
  • No Dental Treatment
  • No Domiciliary Hospitalization
  • Cosmetic Surgery unavailable

Arogya Sanjeevani (Other Benefits)

  • 5% Customer Discount
  • 3% Renewal Benefit
  • Inpatient Care Cover
  • 10% Family Discount
  • Special treatments Cover

Arogya Sanjeevani (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI -50 Thousand to 10 L
  • Waiting Period - 30 Days

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.

Unique Features

  • Advanced Procedures covered
  • Lifelong renewals
  • Cumulative Bonus of 5%

SBI Arogya Sanjeevani (Pros)

  • Road Ambulance
  • High SI
  • AYUSH Cover
  • Room Rent
  • Pre & Post Hospitalization

SBI Arogya Sanjeevani (Cons)

  • Cosmetic Treatment
  • Injury Due To Illegal Activity
  • Injury Due To Hazardous Activities
  • Adventure Sport Injuries
  • Unlawful Activities

SBI Arogya Sanjeevani (Other Benefits)

  • Family Floater
  • Tax Benefits
  • Affordable Premiums
  • Medicine Cover
  • Cataract Cover

SBI Arogya Sanjeevani (Eligibility Criteria)

  • Entry Age - 3 Months
  • Max Entry Age - 65 Years
  • SI - 50k to 10L
  • Waiting Period - 30 Days

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.

Unique Features

  • Up to 10 Lakh SI
  • Genetic disorders Covered
  • Modern Treatments Covered

Acko Arogya Sanjeevani Policy

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.

Unique Features

  • Day Care Treatment available
  • AYUSH treatment covered
  • Cumulative bonus up to 50%

Arogya Sanjeevani Policy (Pros)

  • In-Patient Hospitalization
  • Room Rent Cover
  • ICU Cover
  • Doctor Fee Cover
  • Daily Allowance Benefit

Arogya Sanjeevani Policy (Cons)

  • Obesity
  • Cosmetic Surgery
  • Injury Due To Illegal Activity
  • Injury Due To Hazardous Activities
  • Adventure Sport Injuries

Arogya Sanjeevani Policy (Other Benefits)

  • Avail Cashless Treatment
  • Regular Medical Check-Up
  • Organ Donor Benefit
  • Recharge Benefit
  • Domiciliary Hospitalization

Arogya Sanjeevani Policy (Eligibility Criteria)

  • Entry Age - 90 Days
  • Max Entry Age -65 Years
  • SI - 1 L to 50 L
  • Waiting Period - 30 Days

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

InclusionsFeatures
Pre and Post HospitalizationExpenses covered before and after hospitalization
COVID-19 CoverYou are covered for treatment of COVID-19
AYUSH CoverCovered for alternative treatments like Ayurveda, Unani, Siddha, and Homeopathy
ICU CoverThe policy will cover you for ICU admission as per policy sub-limits
Room RentCovers room rent for insured individuals till hospitalization
Road AmbulanceRoad ambulance will be covered for medical emergencies
Modern TreatmentsCovers modern treatments up to 50% of SI
CataractCataract 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.

Health Insurer Network Hospitals

Documents Required

  • 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 days75%
31-90 days50%
3 months - 6 months25%
6 - 12 months0%

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.

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Pune

1 days ago

I bought the Star comprehensive plan with affordable premiums by comparing health plans on PolicyX and I am really satisfied with my purchase

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Mohit Sharma

Agra

1 days ago

I purchased a health insurance policy from Care Insurance Company and applied for my first claim after 3 years. PolicyX helped me through all the processes.

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Akshay

Belgaum

1 days ago

I am very happy with my recent purchase of the ManipalCigna Accident Shield. Thanks to PolicyX insurance experts for suggesting the plan.

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Vayu Sharma

Gandhinagar

1 days ago

The insurance team at PolicyX was so helpful while purchasing my health insurance from ICICI Lombard Health Insurance.

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Sandya Jaiswal

Allahabad

1 days ago

I got my first health insurance policy from Niva Bupa with the help of PolicyX. Thank you so much team for the great help.

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Rohan Mehra

Delhi

1 days ago

I purchased Care health insurance one year ago from PolicyX and forgot to renew it. But, the team called right before renewal and not only reminded me but also helped me renew the policy. I am ...

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Ankit

Coimbatore

1 days ago

All cancer related treatments for my father was covered through ManipalCigna Crtitical Care plan. I bought this plan a few years back after being advised by PolicyX insurance experts.

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Ruchika Saxena

Amritsar

1 days ago

I purchased a Niva Bupa health insurance policy, and PolicyX helped me to renew the policy on time. I am so thankful to them.

Simran Kaur Vij

Written By: Simran Kaur Vij

Simran is an insurance expert with more than 3 years of experience in the industry. She may have all the answers to your insurance queries. With a background in Banking, she proactively helps her readers to stay on par with all the latest Insurance industry developments.