Icici Lombard Arogya Sanjeevani Policy vs New India Personal Accident 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

New India Personal Accident Policy

Product Type Individual and Family Health Insurance Accident Health Insurance
Key Features
(Key features of the plan)
  • COVID-19 Cover
  • Ambulance Cover
  • Affordable Plan
  • Accident Cover
  • Worldwide Coverage
  • Permanent Disability Cover
OPD Details
(In some policies, OPD (Out patient department) expenses are also covered.)
Not Covered -
Room Rent
(A limit of room rent cover during hospitalization if any)
Covered -
Domicillary Hospitalization
(It is the expenses incurred on treatment of the patient at home)
Not Covered -
Pre-hospitalization
(Expenses before the insured is hospitalized)
Covered -
Post-hospitalization
(Expenses after discharge from the hospital)
Covered -
Day Care Treatment Covered
(Day care treatments refers to the treatments that do not necessarily require 24hrs of hospitalization like MRI.)
Covered -
Hospital_network
(Number of Hospital Network in city)
10600 3000
Organ Donor Expenses
(Expenses incurred on organ donor in case of organ transplants)
Not Covered -
Hospital Daily Allowance
(Some plans offer daily allowance to take care of expenses like food, etc)
Not Covered -
Ambulance Charges
(Expenses incurred on ambulance charges)
Covered -
Maternity Benefits
(All Hospitalization cost covered at the time of pregnancy.)
Not Covered -
New Born Baby Covered
(Newborn babies can be covered under the insurance plan after a certain period)
Not Covered -
Health Checkup
(An added benefit of one time full health checkup of policy holder.)
Not Covered -
Sub Limit
(Sub-limit is a monetary capping that applies on specific diseases like cataract)
Not Covered -
Co-pay
(Mentioned %, if any is to be borne by Insured and rest will be borne by insurer)
Covered -
Plan Entry Age Min- 3 months, Max- 65 years 5 to 70 Years
Plan Premium Entry Age and S/A 6,960 135
Plan Waiting Period 30 N/A
Plan Coverage Hospitalization Expenses, Pre and Post Hospitalization Expenses, Day Care Treatments, AYUSH Treatment Cover, Ambulance Expenses, Cataract Cover -
Plan Sample Premium 6,960 -
Plan Brochure Brochure URL Brochure URL
Policy Term 1, 2, 3 years N/A
ICU Charges Covered -
Covid-19 Treatment Covered -
Cataract Covered -
Automatic Restoration Not Covered -
Ayush Treatment Covered -
Modern Treatment Not Covered -
E Consultation Not Covered -
Air Ambulance Not Covered -
Global Coverage Not Covered -
Claim Ratio 97.16 90.73
Solvency Ratio 2.69 1.91
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