National Arogya Sanjeevani Policy
  • Understand the plan's features
  • Learn about its eligibility criteria
  • Know more about its exclusions

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National Insurance Arogya Sanjeevani Policy

Arogya Sanjeevani Policy is a standard indemnity health insurance product launched by the National Insurance Company to safeguard the medical requirements of the customers. The plan provides comprehensive protection by offering a variety of benefits such as pre and post hospitalization, daycare treatments, AYUSH treatments, and ambulance charges along with a large sum of insured options ranging from Rs. 1 lakh to Rs. 5 lakhs. The policy is available in two types - Individual and Floater.

Let's explore more about this health insurance policy with a detailed explanation of its features, eligibility criteria, and exclusions. Read below.

Key Features of Arogya Sanjeevani Policy

This policy comes packed with a wide range of features that prove to be extremely valuable for the customers. We've listed below all the key features of the plan. Let's have a look.

  1. Comprehensive Cover

    The plan offers a multitude of coverage options to adults between the age groups of 18 to 65 years. Customers can cover themselves, Spouse, Dependent legitimate or legally adopted children, Parents, Parents-in-law, new-born from the age of 3 months.

  2. Sum Insured Range

    This policy is available within a variety of the sum insured amounts ranging between Rs. 1 Lakh to Rs. 5 Lakhs.

  3. Hospitalization Cover

    The expenses incurred on hospitalization of the insured person for a minimum period of 24 hours are covered under this plan. This includes pre-hospitalization expenses for 30 days and post-hospitalization expenses for 60 days.

  4. Day Care Procedures

    With this plan, customers also get coverage for the expenses incurred during daycare treatments taken at a hospital or diagnostic center.

  5. AYUSH Coverage

    The policy also takes care of the medical expenses of the policyholder if treatment is done in any Ayush Hospital (India's medical hospitals and centers including Ayurveda, Yoga, and Naturopathy, Unani, Siddha, and Homeopathy).

  6. Ambulance Cover

    This plan offers a maximum cover of Rs. 2000/- for the expenses incurred on road ambulance service availed for the hospitalization of the policyholder.

  7. Cataract Treatment

    The plan also provides coverage for the cataract treatment of the insured person. The cover amount provided per eye in this option equals 25% of the sum insured or INR 40,000 whichever is less.

  8. Annual Increase in Sum Insured

    The plan provides an additional benefit where the sum insured amount increases annually by 5% for each claim-free year. The maximum increase in this amount can be up to 50% of the opted sum insured amount.

  9. Cashless Facility

    Another useful feature of this plan is that it allows customers to enjoy the cashless facility at any network hospital. So, if you opt for this feature you will be saved from paying the treatment expenses yourself as the company will take care of your hospital bills.

  10. Modern Treatment

    This plan provides a cover equal to 50% of the sum insured amount for getting medical treatment or hospitalisation for 12 listed modern treatments.

  11. Tax Benefits

    As per section 80D of the Income Tax Act of 1961, the premium paid by the policyholder towards this health insurance policy is liable to get the helpful tax benefits.

  12. Lifetime Renewability

    Another add on benefit of this plan is that it comes with a lifelong renewability option that allows customers to enjoy plan benefits for a long tenure.

Eligibility Criteria of Arogya Sanjeevani Policy

The table given below highlights the conditions that are necessary for becoming eligible to buy this policy. Check the table to collect detailed information about the plan's eligibility conditions.

CriteriaMinimumMaximum
Age at entry (adults)18 years64 years
Sum InsuredRs. 1 LakhRs. 5 Lakhs
Members coveredSelf, Spouse, Dependent legitimate or legally adopted children, Parents, Parents-in-law, newborn from 3 months of age.
Pre & post-hospitalisation30 & 60 days respectively

Sample Premium Illustration of Arogya Sanjeevani Policy

For your convenience, we've created here a sample illustration chart that shows the premium rates of the plan according to different age groups of the insured person. Note that the data for calculating the premium is taken for a fixed sum insured amount of Rs. 5 lakhs and the coverage opted on an individual basis separately (at a single point in time) covering each member of the family. Also, the premium rates specified in the given illustration are standard premium, inclusive of TPA charges and exclusive of taxes applicable.

Sample Premium Illustration of Arogya Sanjeevani Policy

premium chart of arogya sanjeevani policy

Exclusions of Arogya Sanjeevani Policy

The list here highlights the conditions which are excluded from getting a claim as per the policy terms and conditions. Go through this list to get a clear idea about when you can file a claim for your policy.

  • Expenses related to the surgical treatment of obesity
  • Change-of-Gender treatments
  • Expenses for cosmetic or plastic surgery
  • Expenses related to any treatment necessitated due to participation in hazardous or adventure sports
  • Sterility and Infertility & Maternity expenses
  • Refractive error surgery due to refractive error less than 7.5 dioptres.
  • Drug/alcohol abuse
  • Dental treatment (unless arising out of an accident and requiring hospitalization)
  • Any expenses incurred on Domiciliary Hospitalization and OPD treatment
  • Treatment performed outside the geographical limits of India

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FAQ's

1. Is it allowed to cancel Arogya Sanjeevani Policy and receive a refund?

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 Cancellation1 year
Up to 30 days75.00%
31 to 90 days50.00%
3 to 6 months25.00%
6 to 12 months0.00%

2. Does the plan offer portability benefit?

Yes, the plan comes with the portability benefit. As per the IRDAI guidelines, customers can port their plan from one insurer to another.

3. Can I migrate this policy with any other health insurance product of the National Insurance company?

Yes, the National Insurance company allows customers to migrate their policy to any of its other health insurance products/plans.

4. I want to increase the sum insured of my Arogya Sanjeevani Policy. Is that possible, what should I do?

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.

5. What is the copayment clause in this policy?

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.

Find Out What the Customers Are Saying

(Showing latest 5 reviews only)

- 4.6/5 (17 Total Rating)

May 10, 2021

Pooja Singh

Delhi

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 I ve not faced any issue with it.

October 26, 2020

Bipinchandra Somabhai Patel

Vadodara

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

May 6, 2018

Shilpa

Thane

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.

October 16, 2017

alok kumar de

Kolkata

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 number how toget status of my claim

September 30, 2017

Sabhadiya nareshbhai govindbhai

Surat

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

Last updated on 20-05-2021

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