Digit Arogya Sanjeevani Plan
  • Lifelong Renewability
  • Affordable Premiums
  • SI Upto 2 Crores
Digit Arogya Sanjeevani Plan
premium

Network hospitals

16400+

premium

Incurred claim ratio

96.83%

premium

Sum insured

Up to 1 Crore

premium

No. of Plans

1

premium

Solvency Ratio

1.9

premium

Pan India Presence

10+

Customized Health Insurance Plan for you.

Get upto 15% Online Discount*

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Age of Eldest Member

Digit Arogya Sanjeevani Plan

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 in 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.

Digit Arogya Sanjeevani Plan Specifications

To understand Digit Arogya Sanjeevani Plan Insurance in detail, take a look at the below table:

Entry Age

18 to 65 Years

Policy Type

Individual and Family Health Insurance

Sum Insured

1 L | 2 L | 3 L | 10 L | 15 L | 20 L | 50 L | 75 L | 1 Cr | 2 Cr

Initial Waiting Period*

30 Days 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.

Read more specifications in the brochure.

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Choose Your Digit Arogya Sanjeevani Plan

With wide coverage options available, Digit Arogya Sanjeevani Plan Insurance Plan allows you to choose your ideal coverage as per your family’s health requirements. Take a look at the coverage under every SI option available and choose your ideal coverage:

In-patient & Out-patient coverage

Room Rent

Covered

ICU Charges

Covered

Pre-Hospitalization

Covered

Post-Hospitalization

Covered

Domiciliary Hospitalization

Not Covered

Daycare Treatment

Covered

OPD Charges

Not Covered

Coverage Terms

COVID-19 Treatment

Covered

Cataract

Covered

No Claim Bonus

Covered

Automatic Restoration

Not Covered

Daily Hospital Cash

Not Covered

Organ Donor

Not Covered

Maternity Cover

Not Covered

New Born Baby Cover

Not Covered

Alternative Treatments

AYUSH Treatment

Covered

IVF Treatment

Not Covered

Modern Treatment

Covered

Emergency Coverage

Ambulance

Covered

Air Ambulance

Not Covered

Compassionate Travel

Not Covered

Global Coverage

Not Covered

Wellness Programmes

E-Consultation

Not Covered

Health Check-Up

Not Covered

Second Medical Opinion

Not Covered

Vaccination

Not Covered

Limitations

Co-payment

Applicable

Sub-limits

Applicable

What is Room Rent?

The room rent limit is the maximum bed charge you can claim if you are hospitalised. Common Room categories covered under room rent are all kinds of rooms including single, private and AC rooms (except suite).

What are ICU Charges?

It is a special hospital department where patients with serious medical conditions are treated.

What is Pre Hospitalization?

Medical expenses incurred before hospitalisation of the policyholder.

What is Post Hospitalization?

Medical expenses incurred after the discharge of the policyholder from the hospital.

What is Domiciliary Hospitalization?

Domiciliary hospitalization or home care treatments are the arrangements for an insured individual due to the unavailability of medical amenities in hospitals, or in a case where an insured member can not be admitted to the hospital due to an inability. The treatment should last equal to or more than 72 hours to get financial coverage.

What is Daycare Treatment?

Treatments that can be completed within 24 hours of hospitalization like blood dialysis, cataracts, etc.

What are OPD charges?

Covers the cost of doctor consultations and prescribed medical tests that may not require hospitalization. .

What is COVID-19 Treatment?

It includes the treatment cost for COVID-19 with a confirmative diagnosis from a government-approved centre.

What is Cataract Treatment?

A common eye condition in which your vision gets blurred due to cloudy formation in your eyes.

What is a No-Claim Bonus?

For every claim-free year, insurance companies reward policyholders with an increase in the sum insured amount as a no-claim bonus or cumulative bonus on policy renewal. However, in the case of a claim, this bonus amount either lapses or is reduced by a certain percentage varying from one plan to the other.

What is Automatic Restoration?

It is a benefit in which an insurance company restores the amount of sum insured completely or up to a certain percentage after it gets fully exhausted in treatments. This restoration amount may vary from one plan to the other.

What is Daily Hospital Cash?

Daily hospital cash or Hospicash is a cash amount that you receive each day during the time of hospitalization to cover your non-medical expenses.

What is an Organ Donor Cover?

It is a cover that includes the cost of the procedure for removing the damaged or malfunctioning organs from the body. In most of the cases, the insurer pays for the hospitalization and transplant expenses for both the parties i.e. the donor and the receiver.

What is a Maternity Cover?

It refers to the cover that includes expenses for normal and c-section deliveries.

What is a New Born Baby Cover?

It takes care of the medical expenses that arise due to the hospitalisation of the newborn baby in case of any childbirth complications, medical challenges, and so on. Some of the common treatments that are covered under the newborn cover and these common treatments can vary from plan to plan:

  • Congenital anomaly (conditions since birth)
  • Acute condition
  • Chronic condition
  • Premature delivery
  • Birth asphyxia
  • Daycare treatment
What is AYUSH Treatment?

Refers to the cost of medicines and procedures used under AYUSH (Ayurveda, Yoga & Naturopathy, Unani, Siddha, and Homeopathy) treatment.

What is IVF Treatment?

In Vitro Fertilization (IVF) is a method of assisted reproductive technology. The common expenses incurred under IVF and infertility treatments are settled or reimbursed for:

  • Full infertility
  • No fertility
  • Infertility diagnosis
  • Infertility diagnosis and limited fertility treatment
  • Medication (which may or may not include fertility drug prescriptions)
What is a Modern Treatment?

Medical treatments that demand the use of modern technology and advanced machinery such as robotic surgeries, stem cell therapy, etc.

What is an Ambulance Cover?

An ambulance is used to move the patient from home to the hospital, transfer them to another hospital, and take them for different tests outside the hospital.

What is an Air Ambulance?

Air ambulances are specially prepared planes that transfer the patient from one place to another in case of a health emergency.

What is Compassionate Travel?

Refers to the travelling expenses of a family member who’s visiting the hospital to look after the patient when the policyholder gets admitted to a hospital outside his/her residential city.

What is Global Coverage?

Any kind of medical/health emergency when you are outside of India is covered for hospitalization expenses, modern and specific treatments, etc.

What is E-Consultation?

If a policy offers e-consultation it allows policyholders to connect with a doctor for medical consultation through video chat, audio call, or chatbot.

What is a Health Checkup?

A facility where the policyholder can avail of free health check-ups after fulfilling the company's eligibility criteria. In most cases, the insured member/s gets an annual health check-up cover.

What is a Second Medical Opinion?

If the policyholder wants, they may opt for a second medical opinion wherein the policyholder can consult another doctor within the company’s network of medical practitioners.

What is Vaccination cover?

Coverage against the expenses incurred on vaccinations of either the newborn baby, for an animal bite, etc is provided by the insurance companies.

What is Co-payment?

In the co-payment clause, policyholders have to pay a preset amount (either compulsorily or voluntarily) of the hospitalisation expense on their own and the insurer will pay the rest of the medical bill amount.

What is the Sub limit?

Sub limit is a condition in which the insurer will have to pay the medical expense up to a certain percentage and the remaining amount will have to be paid by the policyholder. For instance, if your policy covers room rent for upto 20% of the sum insured, but the expense of the same is more than 25%, you will have to pay the rest amount, i.e. 5%, for your room rent.

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 life can avail the benefit of opting from a wide range of sum insured, that is 3 Lakhs to 2 Cr.

  • 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 coverage to insurance holders, facilitating medical care facilities against a global pandemic so they do not have to purchase health insurance plans for the same. India was among the most impacted countries by the pandemic and Digit Arogya Sanjeevani Plan offers the best medical care facilities for the same.

  • New Age Treatments

    Digit Arogya Sanjeevani Plan covers multiple modern treatments for up to 50% of 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 of the country.

Digit Arogya Sanjeevani Sample Premium

To understand how much premium one needs to pay towards the Digit Arogya Sanjeevani Policy, let us go through the example given below wherein we have illustrated the sample premiums:

1 Adult

Sum Insured (Rs.) 3 L 10 L 50 L 1 Crore
Premium Payable 2,781 4,863 7,554 8,525

For 2Adults

Sum Insured (Rs.) 3 L 10 L 50 L 1 Crore
Premium Payable 4,450 7,781 12,086 13,641

For 2A+1C

Sum Insured (Rs.) 3 L 10 L 50 L 1 Crore
Premium Payable 5,424 9,483 14,730 16,625

Digit Arogya Sanjeevani Plan Exclusions

Permanent Exclusions

Permanent diseases or health conditions that are not included under the Digit Arogya Sanjeevani Plan are:

Hospitalization out of war, riot, strike, and nuclear weapons

Intentional self-injury

AIDS

Miscarriage, and Abortion

Congenital disease

Infertility and in vitro fertilization

Coverage after Waiting Period

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

Conclusion

Standard health insurance suitable for individuals looking for an affordable yet effective health insurance plan, the Digit Arogya Sanjeevani policy fits right in. It offers major medical care features along with the possibility to avail of a high sum insured as per your needs and requirements. The plan offers coverage to you and your loved ones leaving you stress-free in order to take better care of yourself and your family.

Explore other Digit Health Insurance

To cater to the different medical needs of an individual & their family, Digit Health Insurance offers several Health Plans ranging from senior citizen plans to specialized plans for autistic children, to health insurance for cardiac patients, and many more.Take a look below to Digit Health Insurance plans explore more:

Individual and Family Health Insurance

Digit Arogya Sanjeevani Plan

Digit Arogya Sanjeevani Plan

Digit Arogya Sanjeevani is a standard health insurance policy offering sum insured options ranging between 3 Lakhs to 2 Crores. The plan covers indivi...

Unique Features

  • Lifelong Renewability
  • Affordable Premiums
  • SI Upto 2 Crores

Digit Arogya Sanjeevani Plan (Pros)

Digit Arogya Sanjeevani Plan
  • High sum insured up to 2 Crores
  • AYUSH cover
  • Ambulance Cover

Digit Arogya Sanjeevani Plan (Cons)

Digit Arogya Sanjeevani Plan
  • Adventure Sports
  • Self-harm
  • Obesity or weight control

Digit Arogya Sanjeevani Plan (Other Benefits)

Digit Arogya Sanjeevani Plan
  • Modern treatment cover
  • Cataract Cover
  • Dental Treatment

Digit Arogya Sanjeevani Plan (Eligibility Criteria)

Digit Arogya Sanjeevani Plan
  • Min Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 3 L- 2 Cr
  • Initial Waiting Period - 30 Days

Individual and Family Health Insurance

Digit Health Care Plus Policy

Digit Health Care Plus Policy

Digit Health Care Plus policy offers 360-degree coverage to insured individuals. When you invest in the plan you can avail basic coverage benefits suc...

Unique Features

  • OPD Benefit
  • Maternity & Newborn Cover
  • Critical Illness Cover

Digit Health Care Plus Policy (Pros)

Digit Health Care Plus Policy
  • Accidental Hospitalization Cover
  • Critical Illness Cover
  • Cancer cover

Digit Health Care Plus Policy (Cons)

Digit Health Care Plus Policy
  • No global cover
  • Illegal activites not covered
  • No obesity covered

Digit Health Care Plus Policy (Other Benefits)

Digit Health Care Plus Policy
  • Sum Insured Refill Benefit
  • Psychiatric Illness
  • Hearing Aids

Digit Health Care Plus Policy (Eligibility Criteria)

Digit Health Care Plus Policy
  • Min. Entry Age - 18
  • Max. Entry Age - No Limit
  • SI - Unlimited
  • Initial Waiting Period - 30 Days

Digit Arogya Sanjeevani Policy: FAQs

1. What are the eligibility criteria for Digit Arogya Sanjeevani Policy?

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.

2. What are the sum insured options under Digit Arogya Sanjeevani?

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.

3. Is Digit Arogya Sanjeevani eligible for tax benefits?

Yes, premiums paid towards the Digit Arogya Sanjeevani policy are eligible for tax benefits as per the Income Tax laws of the country.

4. What are the exclusions of Digit Arogya Sanjeevani?

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

5. Is Digit Arogya Sanjeevani renewable?

Yes, Digit Arogya Sanjeevani policy is a lifelong renewable policy.

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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.

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