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Network hospitals
3000+
Claim settlement ratio
86.28%
Sum insured
Up to 5 Lakh
No. of Plans
14
Solvency Ratio
0.31
Pan India Presence
1730
Network hospitals
3000+
Claim settlement ratio
86.28%
Sum insured
Up to 5 Lakh
No. of Plans
14
Solvency Ratio
0.31
Pan India Presence
1730
National Arogya Sanjeevani Policy is a standard indemnity health insurance product, having Sum Insured up to 10 Lakhs available in both individuals as well as floater type which covers spouse, dependent legitimate or legally adopted children, parents, parents-in-law, new born from 3 months age. National Arogya Sanjeevani Policy provides coverage up to the age of 65 years. National Arogya Sanjeevani Policy includes expenses the policy holder is billed for Day Care Treatment or In-Patient Care due to an illness or injury during the policy period. The policy also covers Pre Hospitalisation (30 days) & Post Hospitalisation (60 days) expenses along with Ambulance Charges. Read below to understand more in detail about the benefits of this plan.
Entry Age
Min: 18 Years, Max: 65 Years, Dependent children: 3 months to 25 years
Sum Insured
50,000 to 10 Lakh
Plan Type
Individual/Family Floater
Policy Term
1 Year
Initial Waiting Period
30 DaysChildren- 91 days to 25 years*
Premium Payment
Half Yearly/ Quarterly/ Monthly
*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.
With wide coverage options, National Arogya Sanjeevani Policy lets you customize your health insurance plan as per your needs and requirements:
In-patient & Out-patient coverage
Room Rent
2% of SI
ICU Charges
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
Coverage Terms
COVID-19 Treatment
Not Covered
Cataract
Covered
No Claim Bonus
Available up to 50% of SI
Automatic Restoration
Not Available
Daily Hospital Cash
Not available
Organ Donor
Not Covered
Maternity Cover
Not Available
New Born Baby Cover
Not available
Alternative Treatments
AYUSH Treatment
Available
IVF Treatment
Not Available
Modern Treatment
50% of SI
Emergency Coverage
Ambulance
Covered up to 2k
Air Ambulance
Not covered
Compassionate Travel
Not Available
Global Coverage
Not Available
Wellness Programmes
E-Consultation
Not Available
Health Check-Up
Not Available
Second Medical Opinion
Not Available
Vaccination
Not Covered
Limitations
Co-payment
5% applicable
Sub-limits
Not 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 National Arogya Sanjeevani Policy?
Under National Arogya Sanjeevani Policy, the room rent is covered by up to 2% of the SI subject to a maximum of Rs. 5000/- per day.
The Intensive Care Unit (ICU) is a hospital special department where patients with severe medical conditions are treated.
Coverage status under National Arogya Sanjeevani Policy?
Under this plan, ICU charge coverage is available up to 5% of the SI subject to a maximum of Rs. 10000/- per day.
Medical expenses incurred before the hospitalization of the policyholder.
Coverage status under National Arogya Sanjeevani Policy?
This plan covers medical expenses incurred during pre-hospitalization for up to 30 days.
Medical expenses incurred after the discharge of the policyholder from the hospital.
Coverage status under National Arogya Sanjeevani Policy?
This plan covers medical expenses incurred during post-hospitalization for up to 60 days.
Home hospitalization arrangement for the insured person due to unavailability of medical amenities in hospitals. The treatment should last equal to or more than 72 hrs to get financial coverage.
Coverage status under National Arogya Sanjeevani Policy?
Under the National Arogya Sanjeevani Plan, domiciliary hospitalizations is not covered.
Treatments that can be treated in less than 24 hours of hospitalization like blood dialysis, cataract, etc.
Coverage status under National Arogya Sanjeevani Policy?
This plan covers expenses of all daycare procedures up to 50% of the Sum Insured.
Covers the cost of doctor consultation and prescribed medical tests that may not require hospitalization.
Coverage status under National Arogya Sanjeevani Policy?
Not covered under the plan.
COVID-19 treatment includes the cost of treatment for COVID-19 with a confirmative diagnosis from Govt. an approved center.
Coverage status under National Arogya Sanjeevani Policy?
COVID-19 treatment cover is available under this plan.
A common eye condition in which your vision gets blurred.
Coverage status under National Arogya Sanjeevani Policy?
The plan covers Cataract Treatment subject to a limit of 25% of the Sum Insured or INR 40,000 per eye, whichever is lower, in one policy 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 National Arogya Sanjeevani Policy?
The plan offers an additional 5% to the sum insured as a No Claim Bonus for each claim-free year, a maximum of up to 50% of the sum insured.
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 National Arogya Sanjeevani Policy?
Automatic Restoration under National Arogya Sanjeevani Policy is not available
It is a cash amount that you receive each day during the time of hospitalization.
Coverage status under National Arogya Sanjeevani Policy?
The daily hospital cash is not available under the plan.
It is a cover that includes the cost of the procedure for removing the damaged or malfunctioning organs from the body.
Coverage status under National Arogya Sanjeevani Policy?
Under the plan, Organ Donor expenses are not covered.
It refers to the cover that includes expenses for normal and c-section procedures deliveries.
Coverage status under National Arogya Sanjeevani Policy?
Not covered
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 are listed below and these common treatments can vary from plan to plan:
Coverage status under National Arogya Sanjeevani Policy?
Not covered
Refers to the cost of medicines and procedures used under AYUSH (Ayurveda, Yoga & Naturopathy, Unani, Siddha, and Homeopathy) treatment.
Coverage status under National Arogya Sanjeevani Policy?
AYUSH treatment is covered under this plan.
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 National Arogya Sanjeevani Policy?
Not available
Medical treatments that demand modern technology such as robotic surgeries, stem cell therapy, etc.
Coverage status under National Arogya Sanjeevani Policy?
It is covered under the condition that the expense is shared with the policyholder.
An ambulance is used to move the patient from home to hospital, transfer to another hospital, and take them for different tests outside the hospitals.
Coverage status under National Arogya Sanjeevani Policy?
This plan covers Ambulance charges up to INR 2000.
Air ambulances are specially prepared planes that transfer the patient from one place to another in case of a health emergency.
Coverage status under National Arogya Sanjeevani Plan?
The plan does not cover the Domestic Emergency Assistance Services (including Air Ambulance) & International Emergency Assistance Services (including Air Ambulance).
Refers to the traveling expenses of a family member of the insured person in case the policyholders get admitted to a hospital outside his/her residential city.
Coverage status under National Arogya Sanjeevani Policy?
Not available
Any kind of medical/health emergency when you are outside of India.
Coverage status under National Arogya Sanjeevani Policy?
Not available
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 National Arogya Sanjeevani Policy?
The plan does not cover the expenses for E-consultation.
A facility where the policyholder can avail free health check-ups after fulfilling the company's policies.
Coverage status under National Arogya Sanjeevani Policy?
The plan offers no Annual Health Check-up benefit.
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 National Arogya Sanjeevani Policy?
Not available
Coverage against the expenses incurred on vaccinations is provided by the insurance companies.
Coverage status under National Arogya Sanjeevani Policy?
The plan does not cover vaccination cover.
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 National Arogya Sanjeevani Policy?
Co-payment is only applicable, 5% co-pay on all claims.
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.
Status under National Arogya Sanjeevani Policy?
No sub-limits are available
Tax Benefits
Get tax relief under section 80D
Discounts
Avail 10% discount
Installment Benefit
Avail Premium Payment Installments
Amount paid towards the premium of this plan is eligible for tax relief under Section 80D of the Income Tax Act, 1961.
If the new policy is issued through Customer Portal or renewed through Customer Portal then policyholders can avail 10% discount.
Premium for the Policy may be paid in installments of Monthly, Quarterly, Half Yearly as well as Yearly.
National Arogya Sanjeevani Policy has certain limitations and exclusions involved. 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 certain time period. Read the details below:
Listed ailments after 24 Months
Pre-existing diseases after 48 Months
Know more about National Health Insurance, its claim process, buying process, and contact details by clicking on the sections below:
Click to know National Health claim process
Click to know National Health buying process
know more about National Health Insurance Company
Click to know National Health renewal process
Click to know National Health premium calculation
National Health offers a wide range of health insurance plans to fulfill the medical needs of individuals, families, and senior citizens.
If you are looking for a policy that covers you for In-patient treatment expenses and 140+ Day Care Procedures then this plan is the right choice.
Unique Features
This plan suits you best if you are a newly married individual or have dependents like kids or elderly parents as this health plan covers all of them along with you.
Unique Features
An affordable health plan, that offers 140+ day care procedures and covers pre-existing conditions like diabetes and hypertension.
Unique Features
If you are looking for a healthcare policy providing a high sum assured and covers your family members under one cover this is the right policy for you.
Unique Features
Standard indemnity health insurance product, having Sum Insured up to 10 Lakhs available in both individuals and floater type.
Unique Features
This policy covers your family members and offers high coverage at affordable prices.
Unique Features
This plan is essential for those who like to travel, a package policy that covers travel emergencies while traveling abroad.
Unique Features
A plan beneficial for students who are traveling abroad for education, it is designed to cover medical evacuation, illness, and more.
Unique Features
A unique benefit policy that covers expenses in the event of the insured person being affected with any of the listed critical illnesses.
Unique Features
Secure your parents' future by providing medical coverage to senior citizens.
Unique Features
Mediclaim for Students is a unique policy designed to provide health and personal accident cover to students.
Unique Features
This policy focuses on protecting the policyholders against the treatment expenses resulting due to COVID-19 infection.
Unique Features
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. The table below shows the amount of refund provided to the cancellation timing of the policy.
Refund of Premium (basis Policy Period) | |
Timing of Cancellation | 1 year |
Up to 30 days | 75.00% |
31 to 90 days | 50.00% |
3 to 6 months | 25.00% |
6 to 12 months | 0.00% |
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.
simaranjeet kaur
Jalandhar
March 14, 2022
My father in law lives alone in jalandhar and we wanted an insurance company that take cares of him in our absence. They are very good with their commitment and service.
Urmil Thakur
Kochi
September 1, 2021
I bought my health plan from National a while back. Recently had to make a claim for hospitalization. I was a little worried but the response time was at best amazing! Thanks guys
Akshay Malhotra
Gurgaon
August 18, 2021
I have bought health insurance from National Health Insurance and I am very impressed by their services and attention towards customers.
Pooja Singh
Delhi
May 10, 2021
I will recommend everyone to buy health insurance plan from this company because I am very happy with the plan I purchased from the company. I am using my insurance from two years and till now ...
Bipinchandra Somabhai Patel
Vadodara
October 26, 2020
I want to portability of United India insurance company individual health mediclaim policy taken since December 2005 and falling due for renewal on 06-12-2020
Shilpa
Thane
May 6, 2018
I hold a National Parivar Mediclaim insurance plan with National Insurance from last 3 years, i am happy with the coverage value of this policy.
alok kumar de
Kolkata
October 16, 2017
my varistha mediclaim policy number of which is-150100501610012195 renewed this year but when i want to know my claim claim status online it says wrong policy number then what is the corect num...
Sabhadiya nareshbhai govindbhai
Surat
September 30, 2017
My father has been admitted in hospital but ypur company not receive my call I inform you for admitted my father date 30/09/2017
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