National Arogya Sanjeevani Policy

National Arogya Sanjeevani Policy is a standard indemnity health insurance product from National Health Insurance Company, having Sum Insured up to 10 Lakhs available in both individuals as well as floater type which covers spouse, dependent legitimate or legally adopted children, parents, parents-in-law, new born from 3 months age. National Arogya Sanjeevani Policy provides coverage up to the age of 65 years. National Arogya Sanjeevani Policy includes expenses the policyholder is billed for Day Care Treatment or In-Patient Care due to an illness or injury during the policy period. The policy also covers Pre Hospitalisation (30 days) & Post Hospitalisation (60 days) expenses along with Ambulance Charges. Read below to understand more in detail about the benefits of this plan.

National Arogya Sanjeevani Policy Specifications

To understand National Arogya Sanjeevani Policy Insurance in detail, take a look at the below table:

Entry Age

Entry Age: 18 - 65 Years, Dependent children: 3 months to 25 years

Policy Type

Individual and Family Health Insurance

Sum Insured

50K | 1 L | 5 L | 10 L

Initial Waiting Period*

30 Days

Renewability

Lifelong

Policy Term

1, 2. 3 years

*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.

Choose Your National Arogya Sanjeevani Policy

With wide coverage options available, National Arogya Sanjeevani Policy Insurance Plan allows you to choose your ideal coverage as per your family’s health requirements. Take a look at the coverage under every SI option available and choose your ideal coverage:

In-patient & Out-patient coverage

Room Rent

Covered

ICU Charges

Covered

Pre-Hospitalization

Covered

Post-Hospitalization

Covered

Domiciliary Hospitalization

Not Covered

Daycare Treatment

Covered

OPD Charges

Not Covered

Coverage Terms

COVID-19 Treatment

Covered

Cataract

Covered

No Claim Bonus

Covered

Automatic Restoration

Not Covered

Daily Hospital Cash

Not Covered

Organ Donor

Not Covered

Maternity Cover

Not Covered

New Born Baby Cover

Not Covered

Alternative Treatments

AYUSH Treatment

Covered

IVF Treatment

Not Covered

Modern Treatment

Covered

Emergency Coverage

Ambulance

Covered

Air Ambulance

Not Covered

Compassionate Travel

Not Covered

Global Coverage

Not Covered

Wellness Programmes

E-Consultation

Not Covered

Health Check-Up

Not Covered

Second Medical Opinion

Not Covered

Vaccination

Not Covered

Limitations

Co-payment

Covered

Sub-limits

Not Covered

National Arogya Sanjeevani Policy Benefits

Tax Benefits
Amount paid towards the premium of this plan is eligible for tax relief under Section 80D of the Income Tax Act, 1961.
Discounts
If the new policy is issued through Customer Portal or renewed through Customer Portal then policyholders can avail 10% discount.
Installment Benefit
Premium for the Policy may be paid in installments of Monthly, Quarterly, Half Yearly as well as Yearly.

National Arogya Sanjeevani Policy Exclusions

National Arogya Sanjeevani Policy has certain limitations and exclusions involved. Read below to know more:

Surgery/procedures for weight control

Cosmetic/Plastic surgery unless required after an accident, burns or cancer

Adventure Sports

Maternity Cover

Infertility and In vitro fertilization

Coverage after Waiting Period

Certain diseases and treatments are covered under this plan after a certain time period. Read the details below:

Listed ailments after 24 Months

Pre-existing diseases after 48 Months

Explore other National Health Insurance

To cater to the different medical needs of an individual & their family, National Health Insurance offers several Health Plans ranging from senior citizen plans to specialized plans for autistic children, to health insurance for cardiac patients, and many more.Take a look below to National Health Insurance plans explore more:

Individual and Family Health Insurance

National Parivar Mediclaim Plus Policy

National Parivar mediclaim plus is a versatile family floater health insurance policy that comes in three different plan options that are A, B, and C....

Unique Features

Multiple Plan Options
Up to 50 L SI
Avail Maternity Cover

National Parivar Mediclaim Plus Policy (Pros)

Multiple Discount Options
Tax Benefits
Road Accident Cover

National Parivar Mediclaim Plus Policy (Cons)

Hazardous or Adventure Sports
Treatment for Alcoholism
Drug or Substance Abuse

National Parivar Mediclaim Plus Policy (Other Benefits)

Maternity Cover
Infertility Treatment
Vaccination for Children
Obesity

National Parivar Mediclaim Plus Policy (Eligibility Criteria)

Min entry age: 18 Years
Max entry age: 65 Years
Initial Waiting Period: 30 Days
Sum Insured: Up to 50 L

Individual and Family Health Insurance

National Young India Mediclaim Policy

National Young India Mediclaim Policy, an indemnity-based insurance policy is available as an individual and family floater health plan. A standard he...

Unique Features

Maternity Cover
Cataract Cover
High SI

National Young India Mediclaim Policy (Pros)

Room Rent Cover
Day Care Procedure
AYUSH Treatment

National Young India Mediclaim Policy (Cons)

Morbid Obesity Treatment
Illegal Activites
Adventure Sports

National Young India Mediclaim Policy (Other Benefits)

Cumulative Bonus
Wellness Discount
Long Term Discount

National Young India Mediclaim Policy (Eligibility Criteria)

Min entry age: 18 Years
Max entry age: 43 Years
Initial Waiting Period: 30 Days
Sum Insured: Up to 10 L

Group Health Insurance

National Insurance Group Mediclaim Policy

Buying individual health insurance may seem hectic for some of us, as the monthly premiums might be a pain for our pockets. Here comes the contributio...

Unique Features

Coverage for modern treatment
Covers HIV/AIDS treatment
Covers 140+ daycare procedures

National Insurance Group Mediclaim Policy (Pros)

140+ daycare procedure
HIV cover
Affordable premiums
AYUSH cover

National Insurance Group Mediclaim Policy (Cons)

Treatment outside India
OPD diagnostic
Adventure sport injuries
Injuries due to illegal activity

National Insurance Group Mediclaim Policy (Other Benefits)

Co-pay discounts available
PED cover
30 day pre-hospitalisation
Modern treatment

National Insurance Group Mediclaim Policy (Eligibility Criteria)

Entry age- 3 Months
Max entry age- N/A
SI- 50K to 10 L
Waiting Period- 30 days

Accident Health Insurance

National Personal Accident Policy

You can buy the National Insurance personal accident plan on an individual or family floater basis that acts as a standalone policy. This policy is de...

Unique Features

PPD/ PTD & TTD cover
Accidental death coverage
Assured death payout

National Personal Accident Policy (Pros)

100% accidental death payout
PTD benefit
PPD benefit
TTD benefit

National Personal Accident Policy (Cons)

PEDs not cover
Adventure sports not covered
Vaccination not covered

National Personal Accident Policy (Other Benefits)

Mortal remains portability
Death coverage benefits
Loss of organ cover
Educational fund

National Personal Accident Policy (Eligibility Criteria)

Entry age: 5-70 years
SI: Upto INR 10 lakh
Policy tenure: 1 year
Waiting period: None

Individual and Family Health Insurance

National Mediclaim Plus Policy

National Medicliam Plus Policy is a high sum insured policy that indemnifies for In-patient treatment expenses and 140+ Day Care Procedures/surge...

Unique Features

National Mediclaim Plus features
Learn about the eligibility criteria
Exclusions & claim process

National Mediclaim Plus Policy (Pros)

12 modern treatment covered
Maternity covered
Lifelong renewability

National Mediclaim Plus Policy (Cons)

Pre-existing diseases
Treatment outside India
Adventure sports injury

National Mediclaim Plus Policy (Other Benefits)

COVID vaccination
Air ambulance
Hospital cash benefit

National Mediclaim Plus Policy (Eligibility Criteria)

Min entry age: 18 Years
Max entry age: 65 Years
Initial Waiting Period: 30 Days
Sum Insured: Up to 50 L

Individual and Family Health Insurance

National Mediclaim Policy

National Insurance Mediclaim Policy is a traditional health insurance plan that provides comprehensive coverage to the policyholders. This plan was la...

Unique Features

National Mediclaim plan features and benefits
Eligibility criteria
Easy claim process

National Mediclaim Policy (Pros)

All-Inclusive Coverage
Maternity Benefits
No Claim Bonus

National Mediclaim Policy (Cons)

Cosmetic Surgery
IVF
Dental Treatment

National Mediclaim Policy (Other Benefits)

Tax Benefits
Avail 10% Discount
Health Incentives

National Mediclaim Policy (Eligibility Criteria)

Min entry age: 18 Years
Max entry age: 65 Years
Initial Waiting Period: 30 Days
Sum Insured: Up to 10 L

Individual and Family Health Insurance

National Parivar Mediclaim Policy

National Parivar Mediclaim Policy aims to encourage the protection of the whole family on a single sum insured. This is a family floater plan tha...

Unique Features

Explore the plan’s key features
Find out the eligibility criteria
Learn its benefits & exclusions

National Parivar Mediclaim Policy (Pros)

Infertility treatment cover
Vaccination covered
Ambulance covered
Cataract covered

National Parivar Mediclaim Policy (Cons)

Treatment outside India
OPD diagnosis
Adventure sports

National Parivar Mediclaim Policy (Other Benefits)

AYUSH cover
No co-pay
Vaccination

National Parivar Mediclaim Policy (Eligibility Criteria)

Min entry age: 18 Years
Max entry age: 65 Years
Initial Waiting Period: 30 Days
Sum Insured: Up to 10 L

Individual and Family Health Insurance

National Arogya Sanjeevani Policy

National Arogya Sanjeevani Policy is a standard indemnity health insurance product from National Health Insurance Company, having Sum Insured up to 10...

Unique Features

Understand the plan features
Learn about its eligibility criteria
Know more about its exclusions

National Arogya Sanjeevani Policy (Pros)

Online purchase dicount
EMI facility available
High SI
Affordable premium

National Arogya Sanjeevani Policy (Cons)

Treatment outside India
OPD diagnostics
Adventure sport injuries
Injury due to illegal activities

National Arogya Sanjeevani Policy (Other Benefits)

Enhanced limits for room rent
Avail online discounts
Change sum insured
Lifelong renewal

National Arogya Sanjeevani Policy (Eligibility Criteria)

Min entry age: 18 Years
Max entry age: 65 Years
Initial Waiting Period: 30 Days
Sum Insured: Up to 50 L

Critical Illness Health Insurance

National Corona Kavach Policy

The deadly virus called 'COVID-19' has proved to be an eye-opener for all of us in understanding the importance of protecting our family's health. Eve...

Unique Features

Corona Kavach features and benefits
Eligibility requirements
Buying process of the plan

National Corona Kavach Policy (Pros)

Covers spouse and children
Home care treatment
No sub-limit

National Corona Kavach Policy (Cons)

Treatment outside India
OPD diagnosis
Injury due to illegal activity

National Corona Kavach Policy (Other Benefits)

15 day pre hospitalisation
Discount available
Tax benefit

National Corona Kavach Policy (Eligibility Criteria)

Min entry age: 18 Years
Max entry age: 65 Years
Initial Waiting Period: 30 Days
Sum Insured: Up to 5 L

Top Up and Super Top Up

Super Top-up Mediclaim Policy

National Super Top Up Mediclaim Policy is a high threshold health insurance product, covering the members of a family under a single sum insured on fl...

Unique Features

Super Top-up Mediclaim features and benefits
Eligibility criteria
Modern treatment cover

Super Top-up Mediclaim Policy (Pros)

Organ donation covered
Morbid obesity treatment covered
Portability allowed
High SI

Super Top-up Mediclaim Policy (Cons)

Treatment outside India
OPD diagnosis
Adventure sport injuries

Super Top-up Mediclaim Policy (Other Benefits)

Affordable premiums
Tax benefits
HIV/AIDS cover

Super Top-up Mediclaim Policy (Eligibility Criteria)

Min entry age: 18 Years
Max entry age: 65 Years
Initial Waiting Period: 30 Days
Sum Insured: Up to 20 L

Senior Citizen Health Insurance

National Senior Citizen Policy

National Senior Citizen Mediclaim Policy is a plan especially designed and launched for senior citizens, allowing them to live a relaxed life post-re...

Unique Features

Plan options available
Domiciliary hospitalization
Modern treatments

National Senior Citizen Policy (Pros)

Reinstatement of Sum Insured
Cataract
Ambulance Cover

National Senior Citizen Policy (Cons)

Obesity
Adventure Sports
Illegal Activities

National Senior Citizen Policy (Other Benefits)

Hospital Cash
Doctor’s Home Visit
Funeral Expenses

National Senior Citizen Policy (Eligibility Criteria)

Min entry age: 60 Years
Max entry age: 80 Years
Initial Waiting Period: 30 Days
Sum Insured: Up to 10 L

National Arogya Sanjeevani Policy: FAQs

1. Is it allowed to cancel Arogya Sanjeevani Policy and receive a refund?

You will get a free-look period of 15-30 days under the Arogya Sanjeevani Policy. If you cancel your plan within this period, you would receive the entire amount after a few nominal deductions.

2. Does the plan offer portability benefit?

Yes, the plan comes with the portability benefit. As per the IRDAI guidelines, customers can port their plan from one insurer to another.

3. Can I migrate this policy with any other health insurance product of the National Insurance company?

Yes, the National Insurance company allows customers to migrate their policy to any of its other health insurance products/plans.

4. I want to increase the sum insured of my Arogya Sanjeevani Policy. Is that possible, what should I do?

If you are already insured under Arogya Sanjeevani Policy, you can easily increase the sum insured at the time of renewal in case you want it.

5. What is the copayment clause in this policy?

The plan has a copayment clause of 5% that is applicable to claim amount admissible and payable as per the terms and conditions of the policy.

6. Who is eligible for National Arogya Sanjeevani Policy?

The eligibility criteria for National Arogya Sanjeevani Policy is 18 to 65 years for individuals, whereas for a family floater plan you can purchase this policy for dependent children between 3 months & 25 years.

7. What are the benefits of the Arogya Sanjeevani Policy?

Arogya Sanjeevani is a standard health insurance policy provided by all general insurance providers across the country. It offers basic health insurance of INR 50k to 10 lakhs and covers hospitalization expenses, daycare procedures, COVID-19 treatment, AYUSH treatment, and much more.

8. How much sum assured does Arogya Sanjeevani Policy provide?

National Arogya Sanjeevani Policy is a standard indemnity health insurance product, that provides a sum insured of up to 10 Lakhs and the policy tenure is of 1 year.

9. Are maternity expenses covered in Arogya Sanjeevani Policy?

No, maternity cover is not available in Arogya Sanjeevani Policy.

10. Will I be able to access modern treatments if I buy Arogya Sanjeevani Policy?

You can avail of modern treatments under this policy with a limitation wherein the policy requires you to share the cost and only 50% of SI is covered.

11. Is National Arogya Sanjeevani Policy economical?

National Arogya Sanjeevani Policy is an affordable plan and offered as an individual as well as a family floater. The plan lets the policyholders choose from a sum insured ranging up to Rs. 10 Lakhs.

12. Does National Arogya Sanjeevani Policy cover Ayurvedic treatments?

Yes, the National Arogya Sanjeevani Policy covers Ayurvedic and homeopathy treatments.

National Arogya Sanjeevani Policy

National Arogya Sanjeevani Policy Specifications

Entry Age

Policy Type

Sum Insured

Initial Waiting Period*

Renewability

Policy Term

Choose Your National Arogya Sanjeevani Policy

In-patient & Out-patient coverage

Coverage Terms

Alternative Treatments

Emergency Coverage

Wellness Programmes

Limitations

National Arogya Sanjeevani Policy Benefits

Tax Benefits

Discounts

Installment Benefit

Recommended Videos

National Arogya Sanjeevani Policy Exclusions

Coverage after Waiting Period

Explore other National Health Insurance

National Parivar Mediclaim Plus Policy (Pros)

National Parivar Mediclaim Plus Policy (Cons)

National Parivar Mediclaim Plus Policy (Other Benefits)

National Parivar Mediclaim Plus Policy (Eligibility Criteria)

National Young India Mediclaim Policy (Pros)

National Young India Mediclaim Policy (Cons)

National Young India Mediclaim Policy (Other Benefits)

National Young India Mediclaim Policy (Eligibility Criteria)

National Insurance Group Mediclaim Policy (Pros)

National Insurance Group Mediclaim Policy (Cons)

National Insurance Group Mediclaim Policy (Other Benefits)

National Insurance Group Mediclaim Policy (Eligibility Criteria)

National Personal Accident Policy (Pros)

National Personal Accident Policy (Cons)

National Personal Accident Policy (Other Benefits)

National Personal Accident Policy (Eligibility Criteria)

National Mediclaim Plus Policy (Pros)

National Mediclaim Plus Policy (Cons)

National Mediclaim Plus Policy (Other Benefits)

National Mediclaim Plus Policy (Eligibility Criteria)

National Mediclaim Policy (Pros)

National Mediclaim Policy (Cons)

National Mediclaim Policy (Other Benefits)

National Mediclaim Policy (Eligibility Criteria)

National Parivar Mediclaim Policy (Pros)

National Parivar Mediclaim Policy (Cons)

National Parivar Mediclaim Policy (Other Benefits)

National Parivar Mediclaim Policy (Eligibility Criteria)

National Arogya Sanjeevani Policy (Pros)

National Arogya Sanjeevani Policy (Cons)

National Arogya Sanjeevani Policy (Other Benefits)

National Arogya Sanjeevani Policy (Eligibility Criteria)

National Corona Kavach Policy (Pros)

National Corona Kavach Policy (Cons)

National Corona Kavach Policy (Other Benefits)

National Corona Kavach Policy (Eligibility Criteria)

Super Top-up Mediclaim Policy (Pros)

Super Top-up Mediclaim Policy (Cons)

Super Top-up Mediclaim Policy (Other Benefits)

Super Top-up Mediclaim Policy (Eligibility Criteria)

National Senior Citizen Policy (Pros)

National Senior Citizen Policy (Cons)

National Senior Citizen Policy (Other Benefits)

National Senior Citizen Policy (Eligibility Criteria)

National Arogya Sanjeevani Policy: FAQs

1. Is it allowed to cancel Arogya Sanjeevani Policy and receive a refund?

2. Does the plan offer portability benefit?

3. Can I migrate this policy with any other health insurance product of the National Insurance company?

4. I want to increase the sum insured of my Arogya Sanjeevani Policy. Is that possible, what should I do?

5. What is the copayment clause in this policy?

6. Who is eligible for National Arogya Sanjeevani Policy?

7. What are the benefits of the Arogya Sanjeevani Policy?

8. How much sum assured does Arogya Sanjeevani Policy provide?

9. Are maternity expenses covered in Arogya Sanjeevani Policy?

10. Will I be able to access modern treatments if I buy Arogya Sanjeevani Policy?

11. Is National Arogya Sanjeevani Policy economical?

12. Does National Arogya Sanjeevani Policy cover Ayurvedic treatments?

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