Icici Lombard Arogya Sanjeevani Policy vs Happy Family Floater Policy Health Insurance Plan 2026 | PolicyX

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ICICI Lombard Arogya Sanjeevani is a versatile plan that pays for your medical bills in case of hospitalization. If you are looking for a health plan that secures your basic healthcare needs, the Arogya Sanjeevani Policy by ICICI Lombard is an efficient fit. You can avail the plan on an individual and family floater basis and take advantage of the following features:

This affordable healthcare plan offers a cumulative bonus up to a maximum of 50% of the Sum Insured, along with coverage for cataract treatments, dental treatments, and plastic surgery if required due to a disease or injury. The plan offers a Sum Insured benefit ranging between ₹1 lakh and ₹5 lakh. To know more about the Arogya Sanjeevani Policy by ICICI Lombard, read further details.

PLAN DETAILS

Icici Lombard Arogya Sanjeevani Policy

Happy Family Floater Policy

Product Type Individual and Family Health Insurance Individual and Family Health Insurance
Key Features
(Key features of the plan)
  • COVID-19 Cover
  • Ambulance Cover
  • Affordable Plan
  • International Cover
  • Multiple Discount Benefits
  • E-Consultation Available
OPD Details
(In some policies, OPD (Out patient department) expenses are also covered.)
Not Covered Covered
Room Rent
(A limit of room rent cover during hospitalization if any)
Covered Covered
Domicillary Hospitalization
(It is the expenses incurred on treatment of the patient at home)
Not Covered Covered
Pre-hospitalization
(Expenses before the insured is hospitalized)
Covered Covered
Post-hospitalization
(Expenses after discharge from the hospital)
Covered Covered
Day Care Treatment Covered
(Day care treatments refers to the treatments that do not necessarily require 24hrs of hospitalization like MRI.)
Covered Covered
Hospital_network
(Number of Hospital Network in city)
10600 4000
Organ Donor Expenses
(Expenses incurred on organ donor in case of organ transplants)
Not Covered Not Covered
Hospital Daily Allowance
(Some plans offer daily allowance to take care of expenses like food, etc)
Not Covered Covered
Ambulance Charges
(Expenses incurred on ambulance charges)
Covered Covered
Maternity Benefits
(All Hospitalization cost covered at the time of pregnancy.)
Not Covered Covered
New Born Baby Covered
(Newborn babies can be covered under the insurance plan after a certain period)
Not Covered Covered
Health Checkup
(An added benefit of one time full health checkup of policy holder.)
Not Covered Not Covered
Sub Limit
(Sub-limit is a monetary capping that applies on specific diseases like cataract)
Not Covered Not Covered
Co-pay
(Mentioned %, if any is to be borne by Insured and rest will be borne by insurer)
Covered Covered
Plan Entry Age Min- 3 months, Max- 65 years 18 to 65 Years
Plan Premium Entry Age and S/A 6,960 2,115
Plan Waiting Period 30 30
Plan Coverage Hospitalization Expenses, Pre and Post Hospitalization Expenses, Day Care Treatments, AYUSH Treatment Cover, Ambulance Expenses, Cataract Cover -
Plan Sample Premium 6,960 2,115
Plan Brochure Brochure URL Brochure URL
Policy Term 1, 2, 3 years 1 Year
ICU Charges Covered Covered
Covid-19 Treatment Covered Covered
Cataract Covered Covered
Automatic Restoration Not Covered Covered
Ayush Treatment Covered Covered
Modern Treatment Not Covered Covered
E Consultation Not Covered Covered
Air Ambulance Not Covered Covered
Global Coverage Not Covered Covered
Claim Ratio 97.16 91.62
Solvency Ratio 2.69 -1.03
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