Tata AIG Arogya Sanjeevani Policy - Buy Online | PolicyX
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Tata AIG Arogya Sanjeevani Policy

The Tata AIG Arogya Sanjeevani Policy is an IRDAI-mandated, affordable ...Read More

Up to 3 Crores
Sum insured
221+
Pan India presence
-%
Claim settlement ratio
📄 Download brochure
🛡️ IRDAI Approved
⭐ 4.4/5 · 2,713 reviews
🏥 11,000+ hospitals
📊 1.81 solvency ratio
✅ -% claim settlement
Written by Naval Goel
Reviewed by Manoj Kumar
Published: 29 Jan 2025
Updated: 17 Aug 2026
Expert Verified
IRDAI Licensed

Overview

As per IRDAI's guidance, the Tata AIG Arogya Sanjeevani policy is an indemnity plan designed to offer a basic yet comprehensive health insurance policy that is affordable for everyone. Regardless of your societal or financial status, any individual can purchase this health insurance.

Key Coverage

The Arogya Sanjeevani policy by Tata AIG Health Insurance covers all basic healthcare expenses, ranging from pre and post-hospitalization to daycare procedures, ambulance services, cataract treatment, AYUSH coverage, and more.

Family Coverage

This policy is also quite affordable, allowing you to cover all your family members, including parents, parents-in-law, dependent children, and spouse, under a single policy with an affordable premium.

This page provides all aspects of the Tata AIG Arogya Sanjeevani Policy. Read on to learn more.

Exclusions

  • Hospitalization due to war, riot, strike, and nuclear weapons
  • Intentional self-injury
  • AIDS
  • Miscarriage and abortion
  • Congenital disease
  • Infertility and in vitro fertilization
  • Specific ailments after 48 months
  • Pre-existing diseases after 48 months

Summary

The Tata AIG Arogya Sanjeevani policy offers affordable healthcare, covering medical expenses such as hospitalization, ambulance charges, daycare procedures, AYUSH treatment, and more.

The Arogya Sanjeevani health insurance provides basic medical benefits at an affordable premium. Reach out to our experts now for assistance with your queries at 1800-4200-269.

Plan at a glance

Eligibility, sum insured options and policy mechanics — pulled straight from the policy wording.

Entry age
18 - 65 Years
Plan type
Individual and Family Health Insurance
Sum insured options
₹1 L, ₹2 L, ₹3 L, ₹4 L, ₹5 L
Waiting period
30 days
Renewability
Lifelong
Policy term
1 Year

*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.

Pros & cons

A quick honest summary — the strengths and the trade-offs.

Pros

  • Hospitalization cover
  • Accident cover
  • Ambulance cover

Cons

  • Illegal activities
  • Drug abuse
  • Obesity

What's covered

A quick look at what this plan covers — and what it doesn't.

Hospitalization

  • Room rent Covered
  • ICU charges Covered
  • Pre-hospitalization Covered
  • Post-hospitalization Covered
  • Domiciliary hospitalization Not covered
  • Day-care treatment Covered
  • OPD charges Not covered
  • Covid-19 treatment Covered
  • Cataract Covered

Bonuses & restoration

  • No-claim bonus Covered
  • Automatic restoration of SI Not covered
  • Daily hospital cash Not covered

Family & special care

  • Maternity cover Not covered
  • New-born baby cover Not covered
  • IVF treatment Not covered
  • AYUSH treatment Covered
  • Organ donor expenses Not covered

Modern & preventive care

  • Modern treatment Covered
  • Road ambulance Covered
  • Air ambulance Not covered
  • E-consultation Not covered
  • Health check-up Not covered
  • Second medical opinion Not covered
  • Vaccination Not covered

Conditions & global

  • Co-payment Covered
  • Sub-limits Covered
  • Compassionate travel Not covered
  • Global coverage Not covered

TATA AIG Health Insurance Company Network Hospital List

TATA AIG Health Insurance Company Network Hospitals are present in 31 states nationwide. With a wide network of hospitals, TATA AIG Health Insurance Company ensures that you are medically secured, irrespective of the city you reside in.

Delhi Mumbai Bengaluru Chennai Kolkata Hyderabad Pune Ahmedabad Jaipur Lucknow

Know More About Network Hospitals →

Who can buy this plan

Eligibility criteria pulled straight from the policy wording.

  • Min entry age: 18 years
  • Max entry age: 65 years
  • Initial Waiting Period: 30 days
  • Sum Insured: Up to 5 Lakhs

Frequently Asked Questions

The 4 most-asked questions about Tata AIG Arogya Sanjeevani Policy, answered.

It’s an IRDAI-designed and approved health insurance plan for those who can’t afford expensive healthcare and a high-sum insured policy. Being affordable and comprehensively designed, Arogya Sanjeevani is for you and your family’s safety against medical emergencies and skyrocketing inflation.
You can cover your legally wedded spouse, dependent children (age: 3 months - 25 years), parents, and parents-in-law.
A pre-policy medical check-up is required to buy the Arogya Sanjeevani policy if you are more than 45 years old or if you have already been diagnosed with medical complications.
This policy does not cover maternity expenses or expenses related to newborn babies, like vaccinations and so on.

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