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

Network hospitals

3000+

premium

Incurred claim ratio

102.35%

premium

Sum insured

Up to 50 Lakh

premium

No. of Plans

13

premium

Solvency Ratio

0.3

premium

Pan India Presence

1730

Customized Health Insurance Plan for you.

Get upto 15% Online Discount*

Select Members You Want To Insure

Age of Eldest Member

premium

Network hospitals

3000+

premium

Incurred claim ratio

102.35%

premium

Sum insured

Up to 50 Lakh

premium

No. of Plans

13

premium

Solvency Ratio

0.3

premium

Pan India Presence

1730

National Arogya Sanjeevani Policy

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.

Recommended Videos

National Health Insurance

National Health Insurance

National Arogya Sanjeevani Policy Specifications

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.

Choose your National Arogya Sanjeevani Policy

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

What is Room Rent?

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:

  • Private Single AC Room
  • Twin Sharing
  • General Ward

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.

What are ICU Charges?

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.

What is Pre Hospitalization?

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.

What is Post Hospitalization?

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.

What is Domiciliary Hospitalization?

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.

What is Daycare Treatment?

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.

What are OPD charges?

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.

What is COVID-19 Treatment?

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.

What is Cataract Treatment?

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.

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 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.

What is Automatic Restoration?

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

What is Daily Hospital Cash?

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.

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.

Coverage status under National Arogya Sanjeevani Policy?

Under the plan, Organ Donor expenses are not covered.

What is a Maternity Cover?

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

Coverage status under National Arogya Sanjeevani Policy?

Not covered

What is a New Born Baby Cover?

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:

  • Congenital anomaly (conditions since birth)
  • Acute condition
  • Chronic condition
  • Premature delivery
  • Birth asphyxia
  • Day care treatment

Coverage status under National Arogya Sanjeevani Policy?

Not covered

What is AYUSH Treatment?

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.

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 for:

  • Full infertility
  • No fertility
  • Infertility diagnosis
  • Infertility diagnosis and limited fertility treatment
  • Medication (which may or may not include fertility drug prescriptions)

Coverage status under National Arogya Sanjeevani Policy?

Not available

What is a Modern Treatment?

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.

What is an Ambulance Cover?

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.

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.

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).

What is Compassionate Travel?

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

What is Global Coverage?

Any kind of medical/health emergency when you are outside of India.

Coverage status under National Arogya Sanjeevani Policy?

Not available

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.

Coverage status under National Arogya Sanjeevani Policy?

The plan does not cover the expenses for E-consultation.

What is a Health Checkup?

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.

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.

Coverage status under National Arogya Sanjeevani Policy?

Not available

What is Vaccination cover?

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.

What is Co-payment?

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.

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.

Status under National Arogya Sanjeevani Policy?

No sub-limits are available

Other Health Insurance Companies

National Arogya Sanjeevani Policy Benefits

Tax Benefits

Get tax relief under section 80D

Discounts

Avail 10% discount

Installment Benefit

Avail Premium Payment Installments

Tax Benefits

Amount paid towards the premium of this plan is eligible for tax relief under Section 80D of the Income Tax Act, 1961.

Discounts

If the new policy is issued through Customer Portal or renewed through Customer Portal then policyholders can avail 10% discount.

Installment Benefit

Premium for the Policy may be paid in installments of Monthly, Quarterly, Half Yearly as well as Yearly.

National Arogya Sanjeevani Policy Exclusions

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

Coverage after Waiting Period

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

Explore other National Health Plans

National Health offers a wide range of health insurance plans to fulfill the medical needs of individuals, families, and senior citizens.

Standard

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

  • Avail cover up to 50 lakhs
  • Critical Illness benefit
  • 5% Increase in SI

Mediclaim Policy (Pros)

  • 140+ Daycare Treatments
  • 50% No-Claim Bonus
  • Tax Benefits
  • Online Discounts Available
  • Health Check-up Available

Mediclaim Policy (Cons)

  • Treatment outside India
  • OPD Diagnostics
  • Injury Due To Illegal Activity
  • Injury Due To Hazardous Activities
  • Adventure Sport Injuries

Mediclaim Policy (Other Benefits)

  • COVID Vaccination
  • Flexible-Premium Facility
  • AYUSH Treatment
  • Room Rent Cover
  • Robotic surgeries Cover

Mediclaim Policy (Eligibility Criteria)

  • Entry Age - 3 Months
  • Max Entry Age - 65 Years
  • SI - 1 L to 10 L
  • Waiting Period - 30 Days

Comprehensive

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

  • 12 Modern treatments
  • Maternity cover
  • Lifelong renewability

Mediclaim Policy (Pros)

  • Up to 50 L SI
  • 50% No-Claim Bonus
  • Tax Benefits
  • OPD Treatment Available
  • Health Check-up Available

Mediclaim Policy (Cons)

  • Treatment outside India
  • PED
  • Injury Due To Illegal Activity
  • Injury Due To Hazardous Activities
  • Adventure Sport Injuries

Mediclaim Policy (Other Benefits)

  • COVID Vaccination
  • Air Ambulance Cover
  • Maternity Cover
  • Hospital Cash Benefit
  • Children Vaccination Available

Mediclaim Policy (Eligibility Criteria)

  • Entry Age - 3 Months
  • Max Entry Age - 65 Years
  • SI - 2 L to 50 L
  • Waiting Period - 30 Days

Family Floater

An affordable health plan, that offers 140+ day care procedures and covers pre-existing conditions like diabetes and hypertension.

Unique Features

  • Infertility treatment cover
  • Vaccination for children
  • Cataract Treatment Covered

Parivar Mediclaim Policy (Pros)

  • 140 + day care procedures covered
  • Affordable Premiums
  • Maternity Cover
  • Ambulance Cover
  • Infertility Cover

Parivar Mediclaim Policy (Cons)

  • Treatment outside India
  • OPD Diagnostics
  • Injury Due To Illegal Activity
  • Injury Due To Hazardous Activities
  • Adventure Sport Injuries

Parivar Mediclaim Policy (Other Benefits)

  • Organ Donor Expenses
  • Vaccination Cover
  • AYUSH Cover
  • No Pre-Policy Check-Up
  • No Co-Pay

Parivar Mediclaim Policy (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 1 L to 10 L
  • Waiting Period - 30 Days

Family Floater

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

  • Cover up to 50 Lakhs
  • 5% No claim discount
  • Critical Illness Benefit

Parivar Mediclaim Plus Policy (Pros)

  • High SI
  • Zone Wise Premiums
  • Multiple Discounts
  • Optional Covers Available
  • OPD Cover

Parivar Mediclaim Plus Policy (Cons)

  • Treatment outside India
  • PED
  • Injury Due To Illegal Activity
  • Injury Due To Hazardous Activities
  • Adventure Sport Injuries

Parivar Mediclaim Plus Policy (Other Benefits)

  • Affordable Premiums
  • Tax Benefit
  • AYUSH Cover
  • Anti Rabies Vaccination
  • Air Ambulance

Parivar Mediclaim Plus Policy (Eligibility Criteria)

  • Entry Age - 3 Months
  • Max Entry Age - 65 Years
  • SI - 6 L to 50 L
  • Waiting Period - 30 Days

Super Top-up

This policy covers your family members and offers high coverage at affordable prices.

Unique Features

  • Organ donation covered
  • Morbid obesity treatment covered
  • Portability allowed

Super Top Up Mediclaim Policy (Pros)

  • High SI
  • Affordable Premiums
  • Tax Benefits
  • HIV/AIDS Cover
  • Obesity Treatment

Super Top Up Mediclaim Policy (Cons)

  • Treatment outside India
  • OPD Diagnostics
  • Injury Due To Illegal Activity
  • Injury Due To Hazardous Activities
  • Adventure Sport Injuries

Super Top Up Mediclaim Policy (Other Benefits)

  • No Sub-Limits
  • Tax Benefits
  • No Base Policy Required
  • Multiple Discounts
  • Up to 50% No-Claim Bonus

Super Top Up Mediclaim Policy (Eligibility Criteria)

  • Entry Age - 5 Years
  • Max Entry Age - 65 Years
  • SI - 3 L to 20 L
  • Waiting Period - 30 Days

Comprehensive

A versatile health insurance policy available on an individual and family floater basis offering various optional covers.

Unique Features

  • No pre-policy Check-up
  • Health Incentives
  • Tax Benefits

Young India Mediclaim Policy (Pros)

  • Multiple Discounts Available
  • Zone Wise Premium
  • COVID Vaccination
  • Daycare Treatment Cover
  • Comprehensive Cover

Young India Mediclaim Policy (Cons)

  • Treatment outside India
  • OPD Diagnostics
  • Injury Due To Illegal Activity
  • Injury Due To Hazardous Activities
  • Adventure Sport Injuries

Young India Mediclaim Policy (Other Benefits)

  • High SI
  • Cataract Cover
  • Maternity Cover
  • AYUSH Treatment Cover
  • Personal Accident Cover

Young India Mediclaim Policy (Eligibility Criteria)

  • Entry Age - 3 Months
  • Max Entry Age - 43 Years
  • SI - 3 L to 10 L
  • Waiting Period - 30 Days

Global Coverage

Overseas Mediclaim Business and Holiday

This plan is essential for those who like to travel, a package policy that covers travel emergencies while traveling abroad.

Unique Features

  • Coverage for business travel
  • Coverage for education abroad
  • Medical evacuation available

Overseas Mediclaim Business and Holiday (Pros)

  • Loss of Baggage Cover
  • Corporate Cover
  • Personal Accident Cover
  • Loss Of Passport Cover
  • Personal Liability Cover

Overseas Mediclaim Business and Holiday (Cons)

  • Hazardous Occupation
  • PED
  • Injury Due To Illegal Activity
  • Injury Due To Hazardous Activities
  • Adventure Sport Injuries

National OMBH Policy (Other Benefits)

  • Check-in Baggage Delay
  • Tax Benefit
  • Loss Of Check-in Baggage
  • Dental services
  • Permanent Total Disablement

National OMBH Policy (Eligibility Criteria)

  • Entry Age - N/A
  • Max Entry Age - N/A
  • SI - N/A
  • Waiting Period - 30 Days

Global Coverage

Overseas Mediclaim Employment and Study Plan

A plan beneficial for students who are traveling abroad for education, it is designed to cover medical evacuation, illness, and more.

Unique Features

  • Medical Evacuation
  • 5k USD medical emergency cover
  • Mental illness cover

Overseas Mediclaim Employment and Study Plan (Pros)

  • Illness Expense Cover
  • Accident Cover
  • Medical Evacuation
  • Transportation of Remains
  • Loss of Entire Sight Cover

Overseas Mediclaim Employment and Study Plan (Cons)

  • Hazardous Occupation
  • PED
  • Injury Due To Illegal Activity
  • Injury Due To Hazardous Activities
  • Adventure Sport Injuries

National OMES Policy (Other Benefits)

  • Permanent Total Disablement
  • Tax Benefit
  • Mental Illness Cover
  • Funeral Expenses
  • Affordable Premiums

National OMES Policy (Eligibility Criteria)

  • Entry Age - N/A
  • Max Entry Age - N/A
  • SI - N/A
  • Waiting Period - 30 Days

Critical Illness

National Critical Illness Policy

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

  • Cover up to 75 Lakhs
  • Covers pre-existing conditions
  • 37 critical illnesses covered

Critical Illness Policy (Pros)

  • High SI
  • Cancer Cover
  • Lump Sum Benefit
  • Short Survival Period
  • Sum Insured Enhancement

Critical Illness Policy (Cons)

  • Treatment outside India
  • PED
  • Injury Due To Illegal Activity
  • Injury Due To Hazardous Activities
  • Adventure Sport Injuries

Critical Illness Policy (Other Benefits)

  • Affordable Premiums
  • Tax Benefit
  • Brain Surgery Cover
  • Alzheimer's Disease
  • Aorta Graft Surgery Cover

Critical Illness Policy (Eligibility Criteria)

  • Entry Age - 5 Years
  • Max Entry Age - 65 Years
  • SI - 1 L to 75 L
  • Waiting Period - 30 Days

Senior citizen

Secure your parents' future by providing medical coverage to senior citizens.

Unique Features

  • 5% increase in SI
  • 2 Plan options
  • Covers spouse

Senior Citizen Mediclaim Policy (Pros)

  • High SI
  • Affordable Premiums
  • Tax Benefits
  • Up to 50% No-claim Bonus
  • Optional Covers Available

Senior Citizen Mediclaim Policy (Cons)

  • Treatment outside India
  • OPD Diagnostics
  • Injury Due To Illegal Activity
  • Injury Due To Hazardous Activities
  • Adventure Sport Injuries

Senior Citizen Mediclaim Policy (Other Benefits)

  • Regular medical consultation
  • Avail Online Discounts
  • AYUSH Treatment
  • Domiciliary Hospitalization
  • Hospital Cash

Senior Citizen Mediclaim Policy (Eligibility Criteria)

  • Entry Age - 65 Years
  • Max Entry Age - 70 Years
  • SI - 1 L to 10 L
  • Waiting Period - 30 Days

Student Specific

National Vidyarthi Mediclaim Policy

Mediclaim for Students is a unique policy designed to provide health and personal accident cover to students.

Unique Features

  • Covers parents and students
  • Eyesight correction
  • Genetic disorders covered

Vidyarthi Mediclaim Policy (Pros)

  • Group Discount
  • 50% No-Claim Bonus
  • Tax Benefits
  • Hospitalization Cover
  • In-Patient Care

Vidyarthi Mediclaim Policy (Cons)

  • Treatment outside India
  • OPD Diagnostics
  • Injury Due To Illegal Activity
  • Injury Due To Hazardous Activities
  • Adventure Sport Injuries

Vidyarthi Mediclaim Policy (Other Benefits)

  • 12 Modern Treatment
  • Mental Illness
  • Genetic Disorders Cover
  • Eyesight Correction
  • Pre & Post Hospitalization

Vidyarthi Mediclaim Policy (Eligibility Criteria)

  • Entry Age - 3 Years
  • Max Entry Age - 25 Years
  • SI - 50K to 2 L
  • Waiting Period - 30 Days

COVID-19

This policy focuses on protecting the policyholders against the treatment expenses resulting due to COVID-19 infection.

Unique Features

  • Covers spouse and children
  • 5% discount for health staff
  • 10% online discount

Corona Kavach Policy (Pros)

  • Home Care Treatment
  • COVID Care
  • No Sub-Limits
  • No Pre-Policy Check-Up
  • Affordable Premiums

Corona Kavach Policy (Cons)

  • Treatment outside India
  • OPD Diagnostics
  • Injury Due To Illegal Activity
  • Injury Due To Hazardous Activities
  • Adventure Sport Injuries

Corona Kavach Policy (Other Benefits)

  • 15 Day Pre Hospitalization Cover
  • 30-Day Post-Hospitalization Cover
  • Discounts Available
  • Tax Benefits
  • Oxygen Cylinder Cover

Corona Kavach Policy (Eligibility Criteria)

  • Entry Age - 1 Day
  • Max Entry Age - 65 Years
  • SI - 1 L to 5 L
  • Waiting Period - 30 Days

Disability Plan

National Divyan Sanjeevani Policy

An indemnity health insurance designed for people falling under the category of disabled, affected with HIV/AIDS, and mental illnesses.

Unique Features

  • No pre-policy check-up
  • Affordable Premiums
  • Tax Benefits

Divyan Sanjeevani Policy (Pros)

  • In-Patient Hospitalization
  • AYUSH Cover
  • Day Care Cover
  • Dental Treatment
  • Modern Treatment

Divyan Sanjeevani Policy (Cons)

  • Treatment outside India
  • OPD Diagnostics
  • Injury Due To Illegal Activity
  • Injury Due To Hazardous Activities
  • Adventure Sport Injuries

Divyan Sanjeevani Policy (Other Benefits)

  • Cataract Treatment
  • Acid Attack Cover
  • Blindness Cover
  • Chronic Neurological Cover
  • Ambulance Cover

Divyan Sanjeevani Policy (Eligibility Criteria)

  • Entry Age - Newborn
  • Max Entry Age - 65 Years
  • SI - 4 L to 5 L
  • Waiting Period - 30 Days

Group Health Plan

It is a group indemnity health insurance plan designed to address the basic health insurance needs of employees.

Unique Features

  • 140+ daycare procedures
  • HIV Cover
  • Affordable Premiums

Group Mediclaim Policy (Pros)

  • SI up to 10 L
  • AYUSH Cover
  • Optional Covers Available
  • Discounts Available
  • Mental Illness Treatment

Group Mediclaim Policy (Cons)

  • Treatment outside India
  • OPD Diagnostics
  • Injury Due To Illegal Activity
  • Injury Due To Hazardous Activities
  • Adventure Sport Injuries

Group Mediclaim Policy (Other Benefits)

  • Co-Pay Discounts Available
  • PED Cover
  • 30 Day Pre Hospitalization
  • 60-Day Post Hospitalization
  • Modern Treatment

Group Mediclaim Policy (Eligibility Criteria)

  • Entry Age - 3 Months
  • Max Entry Age - N/A
  • SI - 50k to 10 L
  • Waiting Period - 30 Days

National Arogya Sanjeevani Policy: 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 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%

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.

6. Who is eligible for National Arogya Sanjeevani 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.

7. What are the benefits of the Arogya Sanjeevani Policy?

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.

8. How much sum assured does Arogya Sanjeevani Policy provide?

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.

9. Are maternity expenses covered in Arogya Sanjeevani Policy?

No, maternity cover is not available in Arogya Sanjeevani Policy.

10. Will I be able to access modern treatments if I buy 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.

11. Is National Arogya Sanjeevani Policy economical?

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.

12. Does National Arogya Sanjeevani Policy cover Ayurvedic treatments?

Yes, the National Arogya Sanjeevani Policy covers Ayurvedic and homeopathy treatments.

Read Reviews & Ratings

Customer Review Image

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.

Customer Review Image

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

Customer Review Image

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.

Customer Review Image

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 ...

Customer Review Image

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

Customer Review Image

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.

Customer Review Image

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...

Customer Review Image

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

View All National Health Insurance Reviews