Network hospitals
16400+
Incurred claim ratio
71.87%
Sum insured
Up to 1 CR
No. of Plans
16
Solvency Ratio
1.9
Pan India Presence
10-
Network hospitals
16400+
Incurred claim ratio
71.87%
Sum insured
Up to 1 CR
No. of Plans
16
Solvency Ratio
1.9
Pan India Presence
10-
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 in order 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 age 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.
To purchase Digit Arogya Sanjeevani individuals must fulfill the following eligibility criteria mentioned below:
Minimum: 18 Years Children - 3 Months to 25 Years
Maximum - 65 Years
Individual/Family Floater
3 L | 4 L | 5 L | 10 L | 25 L | 50 L | 1 Cr | 2 Cr
1 Year
30 Days
*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.
Digit Arogya Sanjeevani offers a plethora of benefits to customers which are mentioned below:
Coverage for SI:3 L - 2 Cr
Room Rent
Covered Up to 2% of SI
ICU Charges
Covered Up to 5% of SI
Pre-Hospitalization
Covered up to 30 days
Post-Hospitalization
Covered up to 60 days
Domiciliary Hospitalization
Not Covered
Daycare Treatment
Covered
OPD Charges
Not Covered
COVID-19 Treatment
Covered
Cataract
Covered up to 25% of SI
No Claim Bonus
Applicable, Maximum up to 50% of SI
Automatic Restoration
Not Applicable
Daily Hospital Cash
Not Covered
Organ Donor
Not Covered
Maternity Cover
Not Available
New Born Baby Cover
Not Available
AYUSH Treatment
Covered Up to SI
IVF Treatment
Not Covered
Modern Treatment
Covered Up to 50% of SI
Ambulance
Covered
Air Ambulance
Not Covered
Compassionate Travel
Not Covered
Global Coverage
Not Covered
E-Consultation
Not Covered
Health Check-Up
Not Covered
Second Medical Opinion
Not Covered
Vaccination
Not Covered
Co-payment
5% Co-Pay on all claims
Sub-limits
Applicable
The room rent limit is the maximum amount of bed charge that you can claim if you are hospitalized.
Common Room categories covered under room rent are:
Coverage status under Digit Arogya Sanjeevani Insurance Policy?
Under Digit Arogya Sanjeevani Insurance Policy, the room rent is covered by up to 2% of SI subject to a maximum of INR 5,000 per day.
It is a special department in the hospitals where patients with serious medical conditions are treated.
Coverage status under Digit Arogya Sanjeevani Insurance Policy?
Under Digit Arogya Sanjeevani Insurance Policy, ICU charges are covered up to 5% of SI, subject to a maximum of INR 10,000 per day.
Medical expenses incurred before the hospitalization of the policyholder.
Coverage status under Digit Arogya Sanjeevani Insurance Policy?
Under Digit Arogya Sanjeevani Insurance Policy, pre-hospitalization is covered for up to 30 days.
Medical expenses incurred after the discharge of the policyholder from the hospital.
Coverage status under Digit Arogya Sanjeevani Insurance Policy?
Digit Arogya Sanjeevani Insurance Policy covers medical expenses incurred during post-hospitalization for 60 Days.
Home hospitalization arrangements for the insured person due to the unavailability of medical amenities in hospitals. The treatment should last equal to or more than 72 hrs to get financial coverage.
Coverage status under Digit Arogya Sanjeevani Insurance Policy?
Digit Arogya Sanjeevani Insurance Policy does not cover domiciliary hospitalizations.
Treatments that can be treated in less than 24 hours of hospitalization like blood dialysis, cataract, etc.
Coverage status under Digit Arogya Sanjeevani Insurance Policy?
Digit Arogya Sanjeevani Insurance Policy covers the expenses of all daycare procedures.
Covers the cost of doctor consultations and prescribed medical tests that may not require hospitalization.
Coverage status under Digit Arogya Sanjeevani Insurance Policy?
OPD charges are not covered under Digit Arogya Sanjeevani Insurance Policy.
COVID-19 treatment includes the cost of treatment for COVID-19 with a confirmative diagnosis from Govt. approved Centre.
Coverage status under Digit Arogya Sanjeevani Insurance Policy?
Digit Arogya Sanjeevani Insurance Policy covers COVID-19.
A common eye condition in which your vision gets blurred.
Coverage status under Digit Arogya Sanjeevani Insurance Policy?
Digit Arogya Sanjeevani Insurance Policy covers Cataract Treatment subject to a limit of 25% of SI or INR 40,000 per year.
For every claim-free year, insurance companies reward policyholders with an increase in the Sum Insured amount as a no-claim bonus on policy renewal. However, in the case of a claim, this bonus amount either lapses or is reduced by a certain percentage that varies from plan to plan.
Coverage status under Digit Arogya Sanjeevani?
Digit Arogya Sanjeevani Insurance Policy offers a no-claim bonus of 5% on SI up to a maximum of 50% SI.
Automatic restoration is a benefit in which an insurance company restores the sum insured amount completely or up to a certain percentage after it gets fully exhausted in treatments. This restoration amount may vary from plan to plan.
Coverage status under Digit Arogya Sanjeevani Insurance Policy?
Digit Arogya Sanjeevani Insurance Policy does not offer automatic restoration benefits.
It is a cash amount that you receive each day during the time of hospitalization.
Coverage status under Digit Arogya Sanjeevani Insurance Policy?
The Daily hospital cash is not available under Digit Arogya Sanjeevani Insurance Policy.
It is a cover that includes the cost of the procedure for removing the damaged or malfunctioning organs from the body.
Coverage status under Digit Arogya Sanjeevani Insurance Policy?
Under the Digit Arogya Sanjeevani Insurance Policy the organ donor expenses are not covered.
It refers to the cover that includes expenses for normal and c-section procedure deliveries.
Coverage status under Digit Arogya Sanjeevani Insurance Policy?
Under the Digit Arogya Sanjeevani Insurance Policy Maternity Cover is not available.
It takes care of the medical expenses that arise due to the hospitalization of the newborn baby in case of unforeseen circumstances. Some of the common treatments that are covered under the newborn cover and these common treatments can vary from plan to plan:
Coverage status under Digit Arogya Sanjeevani Insurance Policy?
Under the Digit Arogya Sanjeevani Insurance Policy, the newborn baby cover is not available.
Refers to the cost of medicines and procedures used under AYUSH (Ayurveda, Yoga & Naturopathy, Unani, Siddha, and Homeopathy) treatment.
Coverage status under Digit Arogya Sanjeevani Insurance Policy?
Under the Digit Arogya Sanjeevani Insurance Policy, AYUSH treatment is covered up to SI.
In Vitro Fertilization (IVF) is a method of assisted reproductive technology. The common expenses incurred under IVF and infertility treatments are for:
Coverage status under Digit Arogya Sanjeevani Insurance Policy?
Under the Digit Arogya Sanjeevani Insurance Policy, IVF is not available.
Medical treatments that demand the use of modern technology such as robotic surgeries, stem cell therapy, etc.
Coverage status under Digit Arogya Sanjeevani Insurance Policy?
Under the Digit Arogya Sanjeevani Insurance Policy, modern treatments are covered up to 50% of SI.
An ambulance is used to move the patient from home to the hospital, transfer to another hospital, and take them for different tests outside the hospital.
Coverage status under Digit Arogya Sanjeevani Insurance Policy?
Under the Digit Arogya Sanjeevani Insurance Policy, ambulance cover is available up to INR 2k.
Air ambulances are specially prepared planes that transfer the patient from one place to another in case of a health emergency.
Coverage status under Digit Arogya Sanjeevani Insurance Policy?
Under the Digit Arogya Sanjeevani Insurance Policy, air ambulances are not covered.
Refers to the traveling expenses of a family member of the insured person in case the policyholder gets admitted to a hospital outside his/her residential city.
Coverage status under Digit Arogya Sanjeevani Insurance Policy?
Under the Digit Arogya Sanjeevani Insurance Policy, compassionate travel is not covered.
Any kind of medical/health emergency when you are outside of India.
Coverage status under Digit Arogya Sanjeevani Insurance Policy?
Under the Digit Arogya Sanjeevani Insurance Policy, global coverage is not covered.
If a policy offers E-consultation it allows policyholders to connect with a doctor for medical consultation through video chat, audio call, or chatbot.
Coverage status under Digit Arogya Sanjeevani Insurance Policy?
Under the Digit Arogya Sanjeevani Insurance Policy, E-consultation is not covered.
A facility where the policyholder can avail of free health check-ups after fulfilling the company's policies.
Coverage status under Digit Arogya Sanjeevani Insurance Policy?
Under the Digit Arogya Sanjeevani Insurance Policy, a health check-up is not available.
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.
Coverage status under Digit Arogya Sanjeevani Insurance Policy?
Digit Arogya Sanjeevani Insurance Policy does not cover the expenses for a second medical opinion.
Coverage against the expenses incurred on vaccinations is provided by the insurance companies.
Coverage status under Digit Arogya Sanjeevani Insurance Policy?
Digit Arogya Sanjeevani Insurance Policy does not cover vaccination expenses.
In the co-payment clause, policyholders have to pay a portion of the hospitalization expense on their own and the insurer will pay the rest of the amount.
Status under Digit Arogya Sanjeevani Insurance Policy?
A 5% co-pay is applicable on all claims under Digit Arogya Sanjeevani Insurance Policy.
Sub-limits are the specific limits set in an insurance policy for its various features. For example, there are usually sub-limits set on room rent, OPD, doctor’s fees, ambulance charges, family visits, etc. Small amounts of the total sum insured are allotted to different features that the policy comes with and exceeding these amounts leads to out-of-pocket expenses from the policyholder.
Status under Digit Arogya Sanjeevani Insurance Policy?
Sub-limits are applicable.
Permanent diseases or health conditions that are not included under the Digit Arogya Sanjeevani policy are mentioned below:
Obesity or weight control-related surgeries
Change of gender treatments
Cosmetic or plastic surgeries
Treatment due to substance abuse
Maternity related expenses
Sterility and infertility treatments
Certain diseases and treatments are covered under this plan after a certain time period. Read the details below:
Pre-Existing Diseases 48 Months
Listed Ailments 24/48 Months
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
Sum Insured (In Rs.) | 3 L | 10 L | 50 L | 1 Cr |
Premium (In Rs.) | 2,781 | 4,863 | 7,554 | 8,525 |
Sum Insured (In Rs.) | 3 L | 10 L | 50 L | 1 Cr |
Premium (In Rs.) | 4,450 | 7,781 | 12,086 | 13,641 |
Sum Insured (In Rs.) | 3 L | 10 L | 50 L | 1 Cr |
Premium (In Rs.) | 5,424 | 9,483 | 14,730 | 16,625 |
With a wide range of Health Plans,Digit Health Insurance company ensures to cater to every healthcare need of its customers. At present, the company offers more than 15 health plans that are designed to fulfill each and every medical need of the policyholder.
Comprehensive Plan
A complete health insurance package that comes with benefits such as accidental hospitalization, annual health check-ups, psychiatric support.
Unique Benefits
Health Plan
A standard health insurance policy that covers individual and family hospitalisation as well as infertility treatment and critical illnesses.
Unique Benefits
Health Plan
A comprehensive plan offering unlimited backup sum insured (SI) to cover rising medical costs. Customers can make multiple claims within the same policy year.
Unique Benefits
Health Plan
A policy that provides double backup sum insured. Customers can make multiple claims, and the backup SI will be triggered after the SI is exhausted.
Unique Benefits
Health Plan
A unique medical insurance offering freedom to seek treatment globally, including India. Customers diagnosed with an illness in India can opt for treatment abroad.
Unique Benefits
Health Plan
A health insurance policy that provides coverage for individual and family hospitalisation, modern treatment, HIV/AIDS, and disability.
Unique Benefits
Super top-up
This plan is an extension to your regular health insurance policy that comes into action when your basic health coverage gets exhausted due to the claims made.
Unique Benefits
Personal Accident
A plan that mainly covers death and injury caused due to an accident. It covers emergency hospitalization, alternative treatment, and long hospitalization cash benefit.
Unique Benefits
Family Plan
A comprehensive plan that covers hospitalization, critical illness and mental illness. This plan covers pandemics and offers zone upgrades.
Unique Features
Individual Plan
An individual plan with 3 variants covering pre-existing diseases and mental illness. The plan also offers Consumables Cover and Bariatric Surgery as an add-on benefit.
Unique Features
Senior Citizens
A plan for senior citizens covering all kinds of hospitalizatio. The plan has 3 variants and offers worldwide coverage and many add-on benefits.
Unique Features
Mediclaim Policy
A group health insurance that covers accidental, COVID-19 and illness hospitalization. The plan covers critical illnesses, AYUSH and infertility treatments.
Unique Features
Health Plan
A maternity health insurance that covers hospitalization, and newborn baby cover. The plan covers benefits for up to two children.
Unique Features
Covid Plan
A health insurance plan that covers hospitalization against COVID-19. It is a short-term plan that pays a lump sum amount after diagnosis.
Unique Features
Covid Plan
An insurance plan that mainly covers hospitalization against COVID-19 . It is a short-term plan that pays a lump sum amount after 24 hours of hospitalization.
Unique Features
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.
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:
Yes, Digit Arogya Sanjeevani policy is a lifelong renewable policy.
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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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