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Care Arogya Sanjeevani Plan 2025 Explained | PolicyX.com
Digit Health Insurance
Digit Arogya Sanjeevani Plan
The Arogya Sanjeevani Health Insurance is a standard health insurance ...Read More
Up to 1 Crore
Sum insured
1
No. of plans
10+
Pan India presence
99%
Claim settlement ratio
🛡️ IRDAI Approved
⭐ 4.4/5 · 2,709 reviews
🏥 9,000+ hospitals
📊 3.85 solvency ratio
✅ 99% claim settlement
About Digit Arogya Sanjeevani Plan
A quick read on what this Digit Health Insurance plan covers and why it might be a fit for you.
Digit Arogya Sanjeevani is a standard health insurance policy offering sum insured options ranging between ₹3 lakhs to ₹2 crores. The plan covers individuals for pre and post-hospitalization, hospital room rent, ICU expenses, and more. Digit Arogya Sanjeevani is available as an individual or family floater plan.
Aarogya Sanjeevani was launched by IRDAI to simplify health insurance by offering a standard plan to all individuals with necessary medical care benefits included under a single plan. Digit Arogya Sanjeevani policy comes with affordable premiums and is meant for individuals between the ages of 18 to 65 years. Individuals can also cover dependent children under this plan from 3 months to 25 years.
Digit Arogya Sanjeevani includes sub-limits for hospital room expenses, cataract treatment expenses, and doctor's fees, along with a 4-year waiting period to cover pre-existing diseases. The plan includes a 5% co-pay on all claims. To know more about the plan, read the article in detail.
Plan at a glance
Eligibility, sum insured options and policy mechanics — pulled straight from the policy wording.
Entry age
18 to 65 Years
Plan type
Individual and Family Health Insurance
Waiting period
30 Days
Renewability
Lifetime
Policy term
1 Year
*Initial Waiting Period is the time period between the issuance of the policy and the time it starts actively. During this period, a policyholder has to wait to avail of the benefits offered under a health insurance plan.
Pros & cons
A quick honest summary — the strengths and the trade-offs.
Pros
- High sum insured up to ₹2 Crores
- AYUSH cover
- Ambulance Cover
Cons
- Adventure Sports
- Self-harm
- Obesity or weight control
What's covered
Every CMS-driven coverage flag from the plan wording — only items with a published value render below.
Hospitalization
- Room rent Covered
- ICU charges Covered
- Pre-hospitalization Covered
- Post-hospitalization Covered
- Domiciliary hospitalization Not covered
- Day-care treatment Covered
- OPD charges Not covered
- Covid-19 treatment Covered
- Cataract Covered
Bonuses & restoration
- No-claim bonus Covered
- Automatic restoration of SI Not covered
- Daily hospital cash Not covered
Family & special care
- Maternity cover Not covered
- New-born baby cover Not covered
- IVF treatment Not covered
- AYUSH treatment Covered
- Organ donor expenses Not covered
Modern & preventive care
- Modern treatment Covered
- Road ambulance Covered
- Air ambulance Not covered
- E-consultation Not covered
- Health check-up Not covered
- Second medical opinion Not covered
- Vaccination Not covered
Conditions & global
- Co-payment Applicable
- Sub-limits Applicable
- Compassionate travel Not covered
- Global coverage Not covered
Video reviews
Walkthroughs from the PolicyX team — pros, cons, real claim experiences and who should buy.
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Digit Arogya Sanjeevani Plan Benefits
Digit Arogya Sanjeevani offers a plethora of benefits to customers which are mentioned below:
-
High Sum Insured Options
On investing in the Digit Arogya Sanjeevani plan, the insured can avail the benefit of opting from a wide range of sum insured, that is, ₹3 lakhs to ₹2 crores.
-
Affordable Health Insurance
Digit Arogya Sanjeevani Policy is an affordable health insurance policy; the premium rates are feasible, and it is known to provide a wide array of coverage.
-
COVID-19 Cover
Digit Arogya Sanjeevani's plan offers COVID-19 coverage to insurance holders, facilitating medical care facilities against the global pandemic so they do not have to purchase separate health insurance plans for the same. India was among the most impacted countries by the pandemic, and Digit Arogya Sanjeevani Plan offers medical care facilities for it.
-
New Age Treatments
Digit Arogya Sanjeevani Plan covers multiple modern treatments for up to 50% of the Sum Insured, such as deep brain stimulation, oral chemotherapy, robotic surgeries, and more.
-
Tax Benefits
Premiums paid towards Digit Arogya Sanjeevani are eligible for tax benefits under the Income Tax laws.
Inclusions & exclusions
What the plan pays for, and what it doesn't.
Inclusions
- In-patient Hospitalization Coverage
- Pre-Hospitalization Medical Expenses
- Post-Hospitalization Medical Expenses
- Day Care Treatment Cover
- ICU and ICCU Expenses
- Emergency Ambulance Services
- Cataract Treatment Coverage
- AYUSH Treatment Benefits
- Modern Treatment Coverage
- Dental and Plastic Surgery Cover
Exclusions
- Hospitalization due to war, riot, strike, and nuclear weapons
- Intentional self-injury
- AIDS
- Miscarriage and Abortion
- Congenital disease
- Infertility and in vitro fertilization
- Certain diseases and treatments are covered under this plan after a certain period. Read the details below:
- Listed Ailments: 24/36 Months
- Pre-Existing Diseases: 36 Months
Who can buy this plan
Eligibility criteria pulled straight from the policy wording.
- Minimum Entry Age: 18 Years
- Maximum Entry Age: 65 Years
- Sum Insured: ₹3 Lakhs: ₹2 Crores
- Initial Waiting Period: 30 Days
Other features & benefits
- Modern treatment cover
- Cataract Cover
- Dental Treatment
Digit Arogya Sanjeevani Policy: FAQs
The 5 most-asked questions about Digit Arogya Sanjeevani Plan, answered.
The eligibility for the Digit Arogya Sanjeevani policy for adults is from 18 to 65 years. Whereas, dependent children can be covered from 3 months of age till 25 years.
A wide array of sum insured options is available under Digit Arogya Sanjeevani policy ranging between 3 Lakhs to 2 Crores. Individuals can customize their health insurance plan by opting for an adequate sum assured option suitable for their needs and requirements.
Yes, premiums paid towards the Digit Arogya Sanjeevani policy are eligible for tax benefits as per the Income Tax laws of the country.
There are certain exclusions mentioned under the plan: Cosmetic and Plastic Surgeries Obesity Treatments Treatment due to substance abuse Treatment as a result of Unlawful activities and more
Yes, Digit Arogya Sanjeevani policy is a lifelong renewable policy.
Conclusion
Digit Arogya Sanjeevani is an affordable health insurance plan offering essential medical coverage, flexible sum insured options, and protection for individuals and families, helping you manage healthcare expenses with confidence.
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