Arogya Sanjeevani Policy
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What Is Arogya Sanjeevani Policy?

Arogya Sanjeevani policy is a standard health insurance policy, launched by IRDAI on 1 April 2022.

Designed to support individuals and families who are on the lookout for affordable health insurance with a wide range of sum-insured options. The sum insured options available are from INR 1 to 5 Lakhs.

However, insurance providers offer this plan with different modifications and sum insured options.

Arogya Sanjeevani health insurance entry age criteria is 18 to 65 years for adults. Dependent children are covered from the age of 3 months to 25 years.

To find out if Arogya Sanjeevani health insurance is a fit for you, scroll down further.

Arogya Sanjeevani Health Insurance At A Glance

Take a look at Arogya Sanjeevani Health Insurance Plan essentials

Entry AgeMinimum: 18 Years
Children: 3 Months to 25 Years
Maximum: 65 Years
Standard Sum Insured1 L | 2 L | 3 L | 4 L | 5 L
Policy Tenure1 Year
Riders/ Add-OnsNone
Initial Waiting Period30 Days

Arogya Sanjeevani Health Insurance Providers

Here are health insurance companies in India that provide Arogya Sanjeevani Health Insurance policy

Company NamePlanClaim Support (within 3 months)Maximum Sum Insured (in Rs)Premium @ Sum Insured 5 Lakhs (in Rs.)
Star Health and Allied Insurance CompanyArogya Sanjeevani Policy99.9%10,00,0004921
ICICI LombardArogya Sanjeevani Policy96.93%5,00,0005449
Bajaj Allianz General Insurance CompanyBajaj Allianz Arogya Sanjeevani Policy98.61%25,00,0005320
Reliance General Insurance CompanyReliance Arogya Sanjeevani Insurance Plan98.16%5,00,0004495
SBI General Insurance CompanyArogya Sanjeevani Health Insurance97.84%5,00,0004501

Visual Representation of Arogya Sanjeevani Health Plan Premiums

Let's understand the premium rates with the help of a graph.

The belowmentioned graph represents the Premium which is to be paid by a healthy male of 30 years at the Sum Assured amount of Rs. 5 lakhs (for different companies).

Premium payable by an individual under Arogya Sanjeevani Policy

Premium payable by an individual under Arogya Sanjeevani Policy

Arogya Sanjeevani Health Insurance Features

Features associated with Arogya Sanjeevani health insurance are:

  • An economical option over other health insurance plans available in the market. Beneficial for those who want an individual or family floater plan at affordable prices
  • Short policy year of 1 year and you can opt to continue the coverage or discontinue at your convenience
  • Available as an individual and family floater health plan offering medical care for your entire family
  • COVID-19 coverage is available with the health plan
  • Sum insured availability ranges between 1 to 5 Lakhs. However, different health insurance providers offer different sum-insured options
  • A lifetime renewability option is available

Best Arogya Sanjeevani Plans in India 2025

Arogya Sanjeevani Policy

A standard health insurance policy, wherein you can choose coverage of up to Rs.1 lac to Rs.5 lacs.

Unique Benefits

  • Avail 5% cumulative bonus
  • Cataract treatment covered
  • All daycare treatments covered

A robust policy that takes care of 360-degree health needs for you and your family with a maximum sum assured up to INR 25 lakh.

Unique Features

  • Modern Treatment covered
  • Avail AYUSH treatment
  • Avail cumulative bonus

Digit Arogya Sanjeevani Policy

It is a standard health insurance plan that mainly covers emergency hospitalization, alternative treatment, Inpatient Care and ICU expenses.

Unique Benefits

  • Lifelong Renewability
  • 5% of copayment applicable
  • Plastic Surgery & Dental Treatments

Arogya Sanjeevani Health Insurance Inclusions

Here is what you are covered for on purchasing the Arogya Sanjeevani Health Insurance Policy

InclusionsFeatures
Pre and Post HospitalizationExpenses covered before and after hospitalization
COVID-19 CoverYou are covered for treatment of COVID-19
AYUSH CoverCovered for alternative treatments like Ayurveda, Unani, Siddha, and Homeopathy
ICU CoverThe policy will cover you for ICU admission as per policy sub-limits
Room RentCovers room rent for insured individuals till hospitalization
Road AmbulanceRoad ambulance will be covered for medical emergencies
Modern TreatmentsCovers modern treatments up to 50% of SI
CataractCataract treatment is covered up to 25% of SI or up to INR 40,000

Arogya Sanjeevani Health Insurance Exclusions

The following are the exclusions for Arogya Sanjeevani Health Insurance:

Self-inflicted injuries or attempted suicide
Injuries out of war or acts of terrorism
HIV/AIDS treatments
Obesity treatment
Cosmetic or plastic surgeries
Injuries/hospitalization caused by adventure sports

Arogya Sanjeevani Health Insurance Pros And Cons

The pros and cons associated with the Arogya Sanjeevani plan are:

Pros Cons
A simple health plan with basic coverage is offered No riders available
Comprehensive features like AYUSH Treatment, Road Ambulance, Daycare procedures, etc. A low range of sum insured options is available
Upto 50% no-claim bonus available to insurance holders Various sub-limits on treatments like cataracts and modern treatment
Affordable premiums make it a household name No major ailments are covered
Flexible premium payment installment option for policyholders Compassionate travel unavailable
Lifelong renewability option available Maternity or newborn cover is unavailable

How is Arogya Sanjeevani Policy different from Health Insurance?

Arogya Sanjeevani health insurance is an affordable health plan launched by IRDAI. It is designed to meet basic healthcare needs along with COVID-19 coverage.

Arogya Sanjeevani health policy is an attempt to make healthcare policies available to all with a basic sum insured value and all necessary features.

As compared to other health plans, the Arogya Sanjeevani policy is an economical policy and one of the best options for young individuals who have started earning recently.

How to Buy Arogya Sanjeevani Policy?

I. Directly through the Insurer's Website

1

Calculate Premium with Arogya Sanjeevani Premium Calculator

2

Choose the plan as per your requirements

3

Fill the proposal form with the required information

4

Pay the premium online via debit/credit card

5

Arogya Sanjeevani Policy will be issued online

Note: The procedure of buying Arogya Sanjeevani policy varies from company to company. Refer to the company's brochure for more information.

II. From PolicyX.com

1

Fill in all the required details in the 'Calculate Premium' section

2

The next page will show all the available plans

3

Choose the most suitable Health Plan and click on 'Buy Now'

4

Pay the premium online

5

Details will be shared at your registered email address

What is the Claim Process of Arogya Sanjeevani Policy?

Claims can be settled in two ways:

Cashless Claim - When you're admitted to a Network Hospital

Reimbursement Claim - When you're admitted to a Non Network Hospital

Cashless Claims

Claim Intimation

Inform the Insurer about Hospitalization at the earliest.

Documents Submission

Submit the requisite forms, Health Card, photo ID at the Hospital Desk.

Claim Settlement

On approval, the Insurer settles your claim directly with the hospital.

Reimbursement Claims

Claim Registration

Inform the Insurer about Hospitalization at the earliest.

Documents Submission

Submit original copies of bills to the Insurer within 15 days post discharge.

Claim Settlement

Once approved, the claim amount shall be transferred to your account.

Health Insurer Network Hospitals

Documents Required

  • Original reports of diagnostic tests, radiology reports, and payment receipts.
  • Original hospital bills and discharge certificate signed by a medical practitioner.
  • Valid ID Proof.
  • Medical practitioner's prescription for consultation, medicine, and medical tests.
  • Post Mortem Report (if applicable).
  • Others requested by the company.

Wrapping It Up

If you are new to health insurance and are a little confused about which plan is the right one for you, Arogya Sanjeevani health policy is one of the best options.

It is an affordable plan and does not require you to commit for the long term. This health plan is available at every health insurance provider with different variations of sum insured options.

To understand features, inclusions, and exclusions along with the pros and cons of Arogya Sanjeevani health policy refer to this article for a better understanding.

OR

Give a call to our expert advisors at PolicyX and get your queries answered, anytime!

Arogya Sanjeevani Policy: FAQs

1. Is COVID-19 covered under Arogya Sanjeevani health insurance?

Yes, Arogya Sanjeevani health policy covers COVID-19.

2. What are the eligibility criteria for Arogya Sanjeevani Health Insurance?

The eligibility criteria for the Arogya Sanjeevani Health Insurance is 18 to 65 years for adults. While dependent children can be covered from 3 months to 25 years.

3. What are the cancellation conditions for Arogya Sanjeevani Health Insurance?

Refer to the following terms and conditions for cancellation

Cancellation Type% of Premium Refunded
Up to 30 days75%
31-90 days50%
3 months - 6 months25%
6 - 12 months0%

4. What is the free-look period available under Arogya Sanjeevani Health Insurance?

A 15-day free look period is available under the Arogya Sanjeevani Health Policy.

5. Is there any limit on the number of claims one can make under the Arogya Sanjeevani policy?

No, there is no limit on the number of claims one can make under this plan. However, the claims will be admissible only until your coverage is not exhausted.

6. What is the policy tenure of Arogya Sanjeevani Policy?

The policy tenure of Arogya Sanjeevani is for 1 year only.

7. How many family members are covered under Arogya Sanjeevani Policy?

The policy covers 2 adults (self and spouse) and up to 3 dependent children.

8. Can I avail Cashless Hospitalization under this policy?

Yes. If you receive treatment at a Network Hospital associated with your Insurance Provider, you can avail Cashless Hospitalization under Arogya Sanjeevani.

9. Does Arogya Sanjeevani cover hospital room rent charges?

The policy covers the room rent up to a maximum of Rs. 5,000 per day, subject to the Sum Insured.

10. Can NRI's get access to Arogya Sanjeevani Scheme?

Yes, an NRI can buy Arogya Sanjeevani Insurance. However, before choosing one, you need to contact your insurer as every company comes with different terms & conditions.

11. Does Arogya Sanjeevani Insurance offer any riders for enhanced protection?

No, the plan does not have any riders.

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Simran Kaur Vij

Written By: Simran Kaur Vij

Simran is an insurance expert with more than 4 years of experience in the industry. An expert with previous experience in BFSI, Ed-tech, and insurance, she proactively helps her readers stay on par with all the latest Insurance industry developments.