Arogya Sanjeevani Plan

  • Standard Health Insurance Policy
  • One Plan For Entire Family
  • Tax Benefit Under 80D
PX step

Get Quotes From Top Insurers



Cover For
D.O.B (eldest member)



Phone No.

By proceeding you are accepting our privacy & terms

About Arogya Sanjeevani Plan

Arogya Sanjeevani is a standard health insurance policy that provides a basic health cover to its policyholders. It was launched on 1st April 2020 with the purpose of having a simple policy amidst all the other policies that contain various features that are bound to confuse a common man. Hence, with that idea, irrespective of the company of sale, the name of the insurance plan will remain the same as Arogya Sanjeevani Policy.

As directed by the Insurance Regulatory and Development Authority of India (IRDAI) no insurance provider can offer any riders, add-ons and variants with this plan. This ensures that the plan remains affordable to the public.


Age at Entry18 years to 65 years
Sum AssuredRs. 1,00,000 to Rs. 5,00,000
Tax BenefitsUnder Section 80D of the Income Tax Act, 1961.

Last Updated- 17-12-2020

What Are The Key Features of The Arogya Sanjeevani Plan?

  • No medical check-up for policyholders up to the age of 45 years, provided they don’t have any medical history.
  • Eligibility to get covered even if the policyholder is undergoing treatment using AYUSH (alternative medicine) at an authorized hospital.
  • Cover your entire family in one floater insurance policy.
  • Enjoy cumulative No-claim bonus starting with 5% for every claim-free year up to a maximum of 50% as mandated by IRDAI.
  • Eligibility to port and migrate to any other insurer with the right to transfer the credit gained from the previous insurance provider.
  • Enjoy family discounts in case more than 1 member of the family is covered under a single proposal along with an individual life assured.

What is Included in The Arogya Sanjeevani Plan?

  • The following members of the family are included as part of the policy:
    1. Legally wedded spouse
    2. Dependent children who were born or adopted between the ages of 3 months and 25 years.
    3. Parents and Parents-in-law
  • Hospitalization expenses such as room rent, nursing, boarding, etc. provided at a hospital or a nursing home are covered.
  • Intensive Care Unit (ICU) or Intensive Cardiac Care Unit (ICCU) expenses.
  • Surgeon, Medical Practitioner, Anaesthetist, Consultant or Specialist fees are covered whether they are paid directly to the practitioner or to the hospital.
  • Pre-Hospitalization Medical expenses are covered for a period of 30 days prior to the date of hospitalization.
  • Post-Hospitalization Medical expenses are covered for a period of 60 days from the date of discharge.
  • COVID-19 expenses that are incurred at a hospital due to the coronavirus disease.
  • Day Care treatment expenses.
  • Cataract Treatment expenses.
  • Expenses arising due to the use of modern methods of treatment.
  • Emergency Ambulance coverage.
  • Dental Treatment and Plastic Surgery in case of any injury or illness.

What is Excluded in The Arogya Sanjeevani Plan?

  • Dependent children who are above 18 years of age and are financially independent.
  • Hospitalization for diagnostic and investigative tests.
  • Expenses that are incurred because of illness or injury due to drug or alcohol abuse.
  • Expenses incurred due to participation in a hazardous event or an adventure sport.
  • Expenses for injuries that are self-inflicted.
  • Treatment for injuries due to war.
  • Treatment for injuries incurred when performing an act of crime or while breaking the law.
  • Expenses for accidents caused due to participation in defence operations (Air Force/Army/Navy).
  • Treatment for sexually transmitted diseases (STDs).
  • Expenses for treatment of obesity or weight management.
  • Expenses for any treatment related to pregnancy and childbirth.
  • Expenses for treatment of sterility or infertility.
  • Expenses for purchasing dietary supplements such as vitamins, minerals, etc. without a prescription.
  • Expenses arising out of treatments that are unproven.
  • Expenses for enforced best rest without any treatment or even the cost of rehabilitation.
  • Treatments that are availed outside India.

Article :- Will a 5 lakh Health Cover Serve the Cost of COVID-19 Treatment?

What Are The Conditions Applicable For Cancellation and Refund of Arogya Sanjeevani?

The policyholder can choose to cancel their Arogya Sanjeevani health insurance irrespective of their age. The policy comes with a 15-day free-look period, where the policyholder can cancel the policy within the first 15 days without any cancellation fees. Furthermore, the paid premium will be refunded to the policyholder excluding any expenses that were incurred by the insurance provider, as long as no claims were made in the short duration.

It is important to note that the free-look period is not applicable at the time of renewal of your policy.

Even if your 15-day free-look period is over, you can still cancel your insurance plan. However, you must submit a 15-day written notice to your insurance provider before cancelling the policy. Your premium for the remaining period of the insurance plan will also be refunded.

To understand the rates of your premium refund, refer the following table:

Time of CancellationPercentage of Premium Refund
Up to 30 days75%
31 days to 90 days50%
3 months to 6 months25%
6 months to 12 months0%

Last Updated- 17-12-2020

Why Buy Arogya Sanjeevani Plan From

You can make your one-stop-shop for all your health insurance needs. Apart from the promptness of the whole process, some other factors to consider are:

  • Certified by Insurance Regulatory and Development Authority of India (IRDAI). License Number: IRDA/WBA17/14.
  • Compare the quotes from various insurance providers at no cost.
  • Avoid the hassle of paperwork with the digital process.
  • Get end-to-end support for all your queries from efficient customer service.
  • Navigate smoothly through the buying process on the user-friendly website.
  • Save your precious time by avoiding long loading periods and receive quick results on the website.

How Can Help When Settling Claims?

Whether you cannot understand the aspect of the waiting period while settling your claims or are simply lost with the process,'s team is at your service to help you at all steps.

You can connect with the support right away via any of the following channels:

  • Email address:
  • Toll-free Number: 1800-4200-269

How is The Renewal of The Arogya Sanjeevani Policy?

The Arogya Sanjeevani health insurance policy is eligible for lifetime renewals. Hence, you as a policyholder can renew your health insurance for as long as you are alive. In order to maintain your eligibility, you must renew your policy before the date of expiry at all time. Even if you miss the date, you can pay it within the grace period of 30 days. However, if the policy is not renewed even within that period, it will then be terminated.

You can quickly renew your Arogya Sanjeevani health insurance policy online by entering your details and making the payment. It is much easier with just a few easy steps on

Frequently Asked Questions

1. Can I increase my cover given under Arogya Sanjeevani Policy?

Yes, you can increase your cover at the time of renewal in the multiples of 50,000 while not crossing the Rs 5 lakh mark.

2. Is there any waiting period for making a claim under Arogya Sanjeevani Policy?

Yes, there is a waiting period for making a claim under this policy

  • 30 days for all claims except those arising due to an accident.
  • 324 months for a list of benign disorders and procedures.
  • 348 months for age-related Osteoporosis and replacement of joint, and all pre-existing diseases.

3. Is the pre-policy check-up covered by the insurance company?

No. The cost of the pre-policy medical check-up is not covered by the insurance provider. However, 50% of the medical charges will be reimbursed in case your application is accepted.

4. Can I purchase Arogya Sanjeevani Policy as a Non-Resident Indian (NRI)?

Yes, you can purchase this policy as an NRI, provided you are paying in rupees via an Indian bank account and are present in India at the time of purchase.

5. Do I need to share the cost of expenses at the time of claim settlement?

Yes, you need to pay 5% of the total claim amount as co-payment at the time of claim settlement.

Page updated on 17-12-2020