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Arogya Sanjeevani Insurance

Medical expenses may turn your financial planning upside down! Hence, its recommended to secure your medical expenses with a pocket-friendly insurance plan to offer financial support during medical emergencies.

Arogya Sanjeevani

Items Included!

Hospitalisation Expenses

Everything from bed-charges, nursing charges, blood tests, ICU and consultation fees gets covered effortlessly. Get 2% of the Sum Insured upto a max of 5000 as room rent and 5% of the Sum Insured upto a max of INR 10,000 per day FOR ICU.

Pre-hospitalisation Cover

Before hospitalisation, there are expenses towards doctor consultations, check-ups and prescriptions. We provide full coverage of such expenses 30 days prior to hospitalisation.

Post-hospitalisation Cover

Get full coverage of expenses incurred on doctor consultations, rehabilitation charges etc. till 60 days after discharge from hospital.

Cataract Cover

We give you 25% of the Sum Insured or 40,000 whichever is less per eye in one policy year to get treatment for cataract.

Day Care Procedure

If treatment or surgery is done in a day we will cover the medical expenses seamlessly. You will get covered even if you were'nt hospitalised for more than 24 hours.

AYUSH Treatment (Non-Allopathic)

We support the healing powers of Ayurveda, Unnani, Sidha and Homeopathy treatment. No matter what type of treatment you prefer, we are always there for you in the time of need.

Dental Treatment & Plastic Surgery

With our health insurance plan, relieve yourself of the financial stress for dental treatment & plastic surgery necessitated due to any disease or injury is covered

Other diseases with 50% sum insured coverage

We give you 50% of the Sum Insured ofor getting medical treatment or hospitalisation for 12 listed procedures.

Road Ambulance Cover

Get a maximum upto 2000 per hospitalisation for ambulance facilities.

Items Excluded!

Adventure sport injuries

Adventure sports can give you an adrenaline rush,but when coupled with accidents, they can be hazardous. Our policy does not cover accidents encountered while participating in adventure sports.

Self-inflicted injuries

You might think of causing injury to your precious self,but we don’t want you to hurt yourself. Our policy does not cover self-imposed injuries.


War can be disastrous and unfortunate. However,our policy does not cover any claim that are caused due to wars.

Participation in defense operations

Our policy does not cover accidents while you are participating in defense (Army/Navy/Air Force) operations.

Venereal or sexually transmitted diseases

We do understand the criticality of your disease. However,our policy does not cover venereal or sexually transmitted diseases.

Treatment of obesity or cosmetic surgery

Treatment of obesity or cosmetic surgery is not eligible for coverage under your insurance policy.

The foundation of success in life is good health: that is the substratum fortune; it is also the basis of happiness.
Thus, Health Insurance Guarantees for the if in life!

Click Here To Know More About Health Insurance

Q1.  What is Arogya Sanjeevani ?

The Arogya Sanjeevani plan is a newly-launched standard health insurance policy for individuals and families that provides coverage for basic hospitalization-related expenses. Insurance Regulatory and Development Authority of India (IRDAI), the country’s insurance regulator, has introduced a standard health cover policy that must be offered by all general and standalone health insurers. This standard health policy is Arogya Sanjeevani.

Q2.  Is coronavirus covered under the Arogya Sanjeevani health insurance policy?

Yes, the coronavirus will be covered under the hospitalization benefit.

Q2.  Who can buy the Arogya Sanjeevani policy?

Anyone between the ages of 18 years to 65 years is eligible to buy the Arogya Sanjeevani Health Insurance Policy.

Q3.  What is the maximum sum insured under the Arogya Sanjeevani policy?

Under the Arogya Sanjeevani Health Insurance Policy, you can buy a cover of minimum 1 lakh, and maximum 5 lakhs.

Q4.  What is the difference between an Individual and Family Floater Arogya Sanjeevani policy?

This policy comes with two options to choose from; you can either protect your entire family with one policy, I.e Family Floater (maximum sum insured of 5 lakhs) or buy an Individual Policy for each family member. (you can choose between 1 to 5 lakhs as Sum Insured)

Q5.  Is there a waiting period involved for the Arogya Sanjeevani policy?

Yes, there is. The waiting periods in this policy varies upon the type of disease: 24 months and 48 months. This means that for certain diseases, the insured will be covered only when the waiting period specified for the disease is over.

Q6.  Can I port my existing policy to Arogya Sanjeevani policy?

Yes, you can!

Q.7   Do I need to pay from my pocket during claims?

Yes, as per the policy conditions, all Arogya Sanjeevani Health Policies come with a 5% Copayment.

Q.8   Is there a room rent cap for Arogya Sanjeevani policy?

Yes, whilst the standard room rent allowed is 2% SI, the maximum cap is that of Rs 5,000 per day which is a decent amount considering most hospitals offer good rooms at this price.

Q.9   Can i extend my coverages than the ones provided?

This policy comes with two options to choose from; you can either protect your entire family with one policy, I.e Family Floater (maximum sum insured of 5 lakhs) or buy an Individual Policy for each family member. (you can choose between 1 to 5 lakhs as Sum Insured)

Q.10   Can I increase my sum insured beyond the set brackets?

Under the Arogya Sanjeevani policy, the sum insured you can be covered for is limited to between 1 lakh to 5 lakhs. So, if you’re looking for a cover higher than 5 lakhs, this may not be enough for you.

Q.11   Do i have to pay a compulsory copayment?

As a standard feature, all health insurance companies offering the Arogya Sanjeevani policy are required to pay 5% co-payment during a claim. So, in case you’re looking for a health insurance plan with no co-payment at all, this could be one setback.

Q.13   What are key features of Arogya Sanjeevani ?

  • No medical check-up up to the age of 45 years for people with no medical history.
  • AYUSH coverage.
  • Family Floater: one plan, full family.
  • Road Ambulance Cover.
  • Cumulative Bonus: 5% of SI for each claim-free year, up to 50%.
  • Coverage from Rs 100,000 to Rs 500,000.
  • Life-long renewability.
  • Tax Deduction: Under Sec 80D

Q.14   What will be covered in Arogya Sanjeevani ?

  • Your hospital room rent, boarding expenses and doctor fees.
  • Nursing expenses, Operation theatre and ICU charges.
  • Medicines that you consume during the hospital stay.
  • Road Ambulance charges.
  • Pre and Post hospitalization expenses up to 30 and 60 days respectively.
  • AYUSH Treatment.

Q.15   What exclusions will be in Arogya Sanjeevani ?

  • Pre-existing diseases from inception of the policy up to 4 years of this policy being in force continuously.
  • Treatment taken outside India.
  • Admission primarily for investigation & evaluation.
  • Admission primarily for rest cure, rehabilitation and respite care.
  • Expenses related to surgical treatment of obesity that do not fulfill certain conditions.
  • Change-of-Gender treatments.
  • Expenses for cosmetic surgery.
  • Expenses related to treatments resulting from hazardous or adventure sports.
  • Maternity Expenses.