ChatGPT
Claude
Perplexity
National Senior Citizen Policy
National Senior Citizen Mediclaim Policy is a plan designed for senior citizens, allowing them to live a relaxed life post-retirement. It c…
- Reinstatement of Sum Insured
- Cataract
- Ambulance Cover
National Health Insurance
National Arogya Sanjeevani Policy
National Arogya Sanjeevani Policy is a standard indemnity health insur ...Read More
Up to 2 Crores
Sum insured
1
No. of plans
850+
Pan India presence
91.31%
Claim settlement ratio
🛡️ IRDAI Approved
⭐ 4.4/5 · 2,701 reviews
🏥 3,200+ hospitals
📊 -0.67 solvency ratio
✅ 91.31% claim settlement
About National Arogya Sanjeevani Policy
A quick read on what this National Health Insurance plan covers and why it might be a fit for you.
National Arogya Sanjeevani Policy is a standard indemnity health insurance product from National Health Insurance Company, with a Sum Insured up to 10 Lakhs. It is available in both individual and floater types, covering spouse, dependent legitimate or legally adopted children, parents, parents-in-law, and newborns from 3 months of age. National Arogya Sanjeevani Policy provides coverage up to the age of 65 years. The policy includes expenses for Day Care Treatment or In-Patient Care billed to the policyholder due to an illness or injury during the policy period. It also covers Pre-Hospitalisation (30 days) & Post-Hospitalisation (60 days) expenses along with Ambulance Charges. Read below to understand the benefits of this plan in detail.
Plan at a glance
Eligibility, sum insured options and policy mechanics — pulled straight from the policy wording.
Entry age
Entry Age: 18 - 65 Years, Dependent children: 3 months to 25 years
Plan type
Individual and Family Health Insurance
Sum insured options
₹50 L, ₹1 L, ₹5 L, ₹10 L
Waiting period
30 days
Renewability
Lifelong
Policy term
1, 2. 3 years
*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
- Online purchase discount
- EMI facility available
- High Sum Insured
- Affordable premium.
Cons
- Treatment outside India
- OPD diagnostics
- Adventure sport injuries
- Injuries due to illegal activities.
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 Covered
- Sub-limits Not covered
- Compassionate travel Not covered
- Global coverage Not covered
Video reviews
Walkthroughs from the PolicyX team — pros, cons, real claim experiences and who should buy.
National Health Insurance
This video explains National Health Insurance in detail.
National Arogya Sanjeevani Policy Benefits
Tax Benefits
The premium paid for this plan is eligible for tax relief under Section 80D of the Income Tax Act, 1961.Discounts
Policyholders can avail a 10% discount if the new policy is issued or renewed through the Customer Portal.Installment Benefit
Premiums for the policy can be paid in monthly, quarterly, half-yearly, or yearly installments.
Inclusions & exclusions
What the plan pays for, and what it doesn't.
Exclusions
- National Arogya Sanjeevani Policy has certain limitations and exclusions. Read below to know more:
- Surgery/procedures for weight control.
- Cosmetic/plastic surgery unless required after an accident, burns, or cancer.
- Adventure sports.
- Maternity cover.
- Infertility and in vitro fertilization.
- Certain diseases and treatments are covered under this plan after a specific time period. Read the details below:
- Listed ailments after 24 months.
- Pre-existing diseases after 48 months.
Who can buy this plan
Eligibility criteria pulled straight from the policy wording.
- Minimum entry age: 18 years
- Maximum entry age: 65 years
- Initial waiting period: 30 days
- Sum Insured: Up to ₹10 Lakhs.
Other features & benefits
- Enhanced limits for room rent
- Online discounts available
- Option to change sum insured
- Lifelong renewal.
National Arogya Sanjeevani Policy: FAQs
The 12 most-asked questions about National Arogya Sanjeevani Policy, answered.
You will get a free-look period of 15-30 days under the Arogya Sanjeevani Policy. If you cancel your plan within this period, you would receive the entire amount after a few nominal deductions.
Yes, the plan comes with the portability benefit. As per the IRDAI guidelines, customers can port their plan from one insurer to another.
Yes, the National Insurance company allows customers to migrate their policy to any of its other health insurance products/plans.
If you are already insured under Arogya Sanjeevani Policy, you can easily increase the sum insured at the time of renewal in case you want it.
The plan has a copayment clause of 5% that is applicable to claim amount admissible and payable as per the terms and conditions of the policy.
The eligibility criteria for National Arogya Sanjeevani Policy is 18 to 65 years for individuals, whereas for a family floater plan you can purchase this policy for dependent children between 3 months & 25 years.
Arogya Sanjeevani is a standard health insurance policy provided by all general insurance providers across the country. It offers basic health insurance of INR 50k to 10 lakhs and covers hospitalization expenses, daycare procedures, COVID-19 treatment, AYUSH treatment, and much more.
National Arogya Sanjeevani Policy is a standard indemnity health insurance product, that provides a sum insured of up to 10 Lakhs and the policy tenure is of 1 year.
No, maternity cover is not available in Arogya Sanjeevani Policy.
You can avail of modern treatments under this policy with a limitation wherein the policy requires you to share the cost and only 50% of SI is covered.
National Arogya Sanjeevani Policy is an affordable plan and offered as an individual as well as a family floater. The plan lets the policyholders choose from a sum insured ranging up to Rs. 10 Lakhs.
Yes, the National Arogya Sanjeevani Policy covers Ayurvedic and homeopathy treatments.
Conclusion
A budget-friendly standard health plan offering essential hospitalization coverage with AYUSH and mo
Health Insurance Articles
Is a Fractured Leg Covered by Health Insurance?
How Senior Citizens Can Get Health Insurance Tax Benefits u/s 80D
How Air Pollution Is Silently Causing 10 Health Diseases
Eye Conditions Actually Covered Under Health Insurance in India
Claim Settlement Ratio of Health Insurance Companies 2026.
Health Insurance for Cancer
See More Health Insurance Articles
Health Insurance Premium Calculator
PolicyX.com premium calculator offers premium comparison for some of the best health plans in India. Input your details and find the most suitable health insurance policies for your requirements.
Written and reviewed by
PolicyX content is researched in-house and reviewed by an IRDAI-certified insurance specialist before publication.
Compare Health Insurance Plans
Select a company and plan for each side to see a detailed side-by-side comparison.
Other Health Insurance Companies
Share your Valuable Feedback
Rated by 2,690 customers
Was the Information Helpful?
Select Your Rating
We would like to hear from you
Let us know about your experience or any feedback that might help us serve you better in future.
Do you have any thoughts you'd like to share?