Arogya Sanjeevani Policy

Arogya Sanjeevani Health Insurance available with a sum insured from Rs.1 lakh to Rs.5 lakh & no medical check-ups. Check eligibility, coverage, benefits, exclusions & FAQs.

What is Arogya Sanjeevani Policy?

Arogya Sanjeevani Policy is a Standard Health Insurance Product (SHIP) set by the Insurance Regulatory and Development Authority of India (IRDAI) from April 01, 2020. This new plan aims to simplify health insurance for people by providing them with a basic and standard plan that will be offered by all health insurance companies with exactly the same benefits.

The only difference in the Arogya Sanjeevani health insurance policy offered by different health providers is in the plan’s premium quoted by them and the services offered during the purchase process, claim settlement process and other related processes.

Types of Arogya Sanjeevani Policy

The following two types of plans are offered under the Arogya Sanjeevani Health Insurance Policy:

1. Individual Plan

As the name suggests, this type of plan allows only 1 policyholder as the beneficiary.

2. Family Floater Plan

Under this type of plan, the proposer can include their legally-wedded spouse, dependent children, parents, and parents-in-law under the plan for a fixed sum insured against a single premium.
A 5% discount is available when more than one member is covered under a single proposal with an individual sum insured.

Eligibility for Arogya Sanjeevani Health Insurance Policy

The minimum entry age for the Arogya Sanjeevani Policy is 18 years and the maximum entry age allowed under the plan is 65 years. 

Under the family floater type of Arogya Sanjeevani Policy, the minimum age allowed for children is 3 months, whereas the maximum age permitted for children is 25 years. 

However, if the child above 18 years of age is financially independent, he or she shall be ineligible for the coverage in the subsequent renewals.

Features of Arogya Sanjeevani Policy

The Arogya Sanjeevani Health Insurance Policy comes with the following features:

1. No Medical Check-up Up To The Age of 45 Years

For this plan, no medical check-ups are required for people who are not older than 45 years and have no medical history.

2. Sum Insured Options

The sum insured under the Arogya Sanjeevani Policy ranges from a minimum of Rs. 1,00,000 to a maximum of Rs. 5,00,000 in multiples of Rs. 50,000.

3. Annual Policy

Arogya Sanjeevani Policy is an annual policy, i.e., it comes with a tenure of 1 year. However, the policy has a feature of lifetime renewability, thus, it can be renewed anytime without any restriction on the age of the policyholder.

4. Cumulative Bonus

For every claim-free year, the policyholder(s) gets rewarded with a 5% bonus of the sum Insured. No Claim Bonus (NCB) is calculated on a cumulative basis and can go up to 50%.

5. Waiting Period

Arogya Sanjeevani Policy comes with a waiting period of 30 days for all illnesses except accidents. This exclusion is however if the insured person has continuous coverage for more than 12 months. Pre-existing diseases declared at the time of application come with a waiting period of 48 months from the date of policy inception. 

Specific Waiting Period Under Arogya Sanjeevani Policy

The waiting period under Arogya Sanjeevani Policy for the following conditions, surgeries and treatments is as follows:

24 Months Waiting Period

48 Months Waiting Period

Benign ENT disorder

Treatment for joint replacement unless arising from an accident

Tonsillectomy

Age-related Osteoarthritis & Osteoporosis

Adenoidectomy

Mastoidectomy

Tympanoplasty

Hysterectomy

All internal and external benign tumours, cysts, polyps of any kind, including benign breast lumps.

Benign prostate hypertrophy

Cataract and age-related eye ailments

Gastric/ Duodenal Ulcer

Gout and Rheumatism

Hernia of all types

Hydrocele

Non-Infective Arthritis

Piles, Fissures, and Fistula in Anus

Pilonidal Sinus, Sinusitis and related disorders

Prolapse Inter Vertebral Disc and Spinal Diseases unless arising from an accident

Calculi in urinary system, Gall Bladder and Bile duct, excluding malignancy.

Varicose Veins and Varicose Ulcers

Internal Congenital Anomalies

Arogya Sanjeevani Health Insurance Policy Benefits

1. Affordable Premium

Arogya Sanjeevani Policy is available at affordable premium rates, relatively lower than the premium of other health insurance plans.

2. Low Co-payment

Co-payment refers to the share of claim amount borne by the policyholder/insured at the time of claim settlement. However, a co-payment does not reduce the sum insured. Arogya Sanjeevani Policy comes with a co-payment of just 5%.

3. 15-Day Free Look Period

Arogya Sanjeevani Policy comes with a free look period of 15 days. During this period, the policyholder can review the terms and conditions of the policy, and return the same if not acceptable.

4. Life-long Renewability

The Arogya Sanjeevani Policy comes with no restriction on the age at the time of renewal of the policy. Thus, the policyholder(s) can get the policy renewed at all ages during their lifetime.

5. Tax Benefit

The premium paid for the Arogya Sanjeevani Policy qualifies for tax deduction benefit under Section 80D of the Income Tax Act, 1961. Read more here.

What All Is Covered Under Arogya Sanjeevani Health Insurance Policy?

1. Hospitalization Expenses

Under the Arogya Sanjeevani Health Insurance Policy, the policyholder can claim the cost of treatment incurred during hospitalization (for more than 24 hours) from their insurance provider. Hospitalization expenses include doctor’s fees, nursing expenses, room rent, bed charges, hospital stay, etc. Hospitalization expenses are covered up to 2% of the sum insured subject to a maximum of Rs. 5,000 per day of hospitalisation.

2. Pre-Hospitalization Expenses

The plan covers medical expenses incurred pre-hospitalization for a fixed period of 30 days prior to the date of admission to the hospital.

3. Post-Hospitalization Expenses

The plan covers medical expenses incurred for a fixed period of 60 days from the date of discharge from the hospital.

4. AYUSH Treatment

The plan covers the expenses incurred for inpatient care treatment under Ayurveda, Yoga and Naturopathy, Unani, Siddha and Homeopathy systems of medicines during up to a specified limit of sum insured.

5. Daycare Treatment

Daycare treatment refers to medical treatment, and/or surgical procedure undertaken under general or local anesthesia in a hospital/daycare center in less than 24 hours because of technological advancement. Treatment normally taken on an out-patient basis is not included under daycare treatment. The plan covers medical expenses incurred on all daycare treatment up to 50% of sum insured.

6. Road Ambulance Cover

The policy covers expenses incurred on road ambulance up to Rs. 2,000 per hospitalization.

7. ICU/ICCU Charges

Expenses incurred for ICU/ICCU are covered up to 5% of the sum insured subject to a maximum of Rs. 10,000 per day.

8. Plastic Surgery and Dental Treatments

Expenses incurred on Plastic surgery and dental treatments necessitated due to a disease or an injury are covered under the policy.

9. Cataract Surgery

The plan covers medical expenses incurred for treatment of Cataract, subject to a limit of 25% of the sum insured or Rs. 40,000, whichever is lower, per each eye.

10. New Age Treatments

New-age/Modern treatment including Robotic surgeries, Bronchial Thermoplasty, Intra vitreal injections, stem cell therapy etc.(listed below), will be covered under the policy up to a limit of 50% of the sum insured.

List of New Age Treatments Covered Under Arogya Sanjeevani Policy 

The following advancement treatments are covered up to a limit of 50% of the sum insured under the Arogya Sanjeevani Health Insurance Policy:

  • Uterine Artery Embolization and HIFU (High-Intensity Focused Ultrasound)
  • Balloon Sinuplasty
  • Deep Brain stimulation
  • Oral Chemotherapy
  • Immunotherapy - Monoclonal Antibody to be given as an injection
  • Intra Vitreal Injections
  • Robotic Surgeries
  • Stereotactic Radio Surgeries
  • Bronchial Thermoplasty
  • The Vaporization of the Prostrate (green laser treatment or holmium laser treatment)
  • ONM - (Intra Operative Neuro Monitoring)
  • Stem Cell Therapy: Hematopoietic stem cells for bone marrow transplant for haematological conditions to be covered.

Insurance Companies Offering Arogya Sanjeevani Policy
 

S.No.

Insurance Company

1

Acko General Insurance Ltd.

2

Aditya Birla Health Insurance Co. Ltd.

3

HDFC ERGO Health Insurance Limited (Formerly Apollo Munich Health Insurance Company Limited)

4

Bajaj Allianz General Insurance Co. Ltd

5

Bharti AXA General Insurance Co. Ltd.

6

Cholamandalam MS General Insurance Co. Ltd.

7

Edelweiss General Insurance Co. Ltd.

8

Future Generali India Insurance Co. Ltd.

9

Go Digit General Insurance Ltd.

10

HDFC ERGO General Insurance Co.Ltd.

11

ICICI Lombard General Insurance Co. Ltd.

12

IFFCO Tokio General Insurance Co. Ltd.

13

Liberty General Insurance Ltd.

14

Magma HDI General Insurance Co. Ltd.

15

Manipal Cigna Health Insurance Company Limited

16

Max Bupa Health Insurance Co. Ltd

17

National Insurance Co. Ltd.

18

Navi General Insurance Ltd. (Formerly DHFL General Insurance Company)

19

Raheja QBE General Insurance Co Ltd

20

Religare Health Insurance Co. Ltd

21

Royal Sundaram General Insurance Co. Ltd.

22

SBI General Insurance Co. Ltd.

23

Star Health & Allied Insurance Co.Ltd.

24

Tata AIG General Insurance Co. Ltd.

25

The New India Assurance Co. Ltd

26

The Oriental Insurance Co. Ltd.

27

United India Insurance Co. Ltd.

28

Universal Sompo General Insurance Co. Ltd.

What All Is Not Covered Under Arogya Sanjeevani Policy?

Arogya Sanjeevani Health Insurance Policy comes with the following exclusions:

  • Any condition, ailment, injury or related condition(s) for which the insured has been diagnosed, received medical treatment, had signs and/or symptoms, prior to the inception of their first policy until 48 months from the date of inception
  • Any disease contracted during the first 30 days from the commencement of the policy
  • Admission primarily for investigation & evaluation
  • Admission primarily for rest cure, rehabilitation and respite care
  • Expenses related to the surgical treatment of obesity that do not fulfill certain conditions
  • Change of gender treatments
  • Expenses for cosmetic or plastic surgery
  • Expenses related to any treatment necessitated due to participation in hazardous or adventure sports
  • Treatment taken outside India
  • Pre-existing diseases from inception of the policy up to 4 years of continuous coverage
  • Maternity expenses
  • Treatment for alcoholism, drug or substance abuse or any addictive condition.
  • War
  • Nuclear, chemical or biological weapons attack
  • Dietary supplements and substances that can be purchased without prescription
  • Any expenses incurred on domiciliary hospitalisation and OPD treatment.

Please refer to the policy wording to read about exclusions in detail.

Arogya Sanjeevani Policy Frequently Asked Questions (FAQs)

Q1. Does Arogya Sanjeevani Policy cover COVID-19 hospitalization cost?

Ans. Yes, the Arogya Sanjeevani health insurance policy covers the hospitalization treatment costs of COVID-19 (Coronavirus Disease).

Q2. Are maternity expenses covered under the Arogya Sanjeevani Policy?

Ans. No, maternity expenses are not covered under the Arogya Sanjeevani Policy.

Q3. What is the policy term of Arogya Sanjeevani Policy?

Ans. Arogya Sanjeevani Health Insurance Policy is available with a policy tenure of 1 year, however, it comes with lifetime renewability features. Thus, policyholders can renew this policy at all ages during their lifetime.

Q4. Are there any plan variants under the Arogya Sanjeevani Policy?

Ans. Arogya Sanjeevani Health Insurance Policy is available in two plan types namely Individual Plan and Family Floater Plan. Under the Individual Plan, only the proposer is covered whereas, under the Family Floater Plan, the proper can include their legally-wedded spouse, dependent children, parents, and parents-in-law with themselves under the fixed sum insured. 

Q5. Can NRIs buy Arogya Sanjeevani Policy?

Ans.Yes, Non-Resident Indians (NRIs) can also buy Arogya Sanjeevani Policy. However, the premium for the plan has to be paid in Indian currency and through an Indian Bank Account only. Also, the NRI must be present in India at the time of purchase of policy.

Q6. Can I opt for a higher sum insured than the maximum limit under this policy?

Ans. The maximum sum insured available under Arogya Sanjeevani Health Insurance Policy is Rs. 5 lakh. You cannot opt for a sum insured higher than the maximum limit under this plan.

Q7. Are pre-existing diseases covered under Arogya Sanjeevani Policy?

Ans. Pre-existing conditions/diseases declared and/or accepted at the time of application come with a waiting period of 48 months from the date of policy inception and are thus covered after the first 4 years of continual renewals. 

Q8. Can I port my existing health insurance policy to Arogya Sanjeevani Policy?

Ans. Yes, you can port your existing health insurance policy to Arogya Sanjeevani Policy.

Q9. Does Arogya Sanjeevani Policy offer a free look period?

Ans. Yes, Arogya Sanjeevani Policy offers a free look period of 15 days during which you can review the policy and return the same if not acceptable.

Q10. Can Arogya Sanjeevani Policy be availed outside India?

Ans. No, medical treatments taken outside India are not covered under Arogya Sanjeevani Policy.

Q11. What is the eligibility criteria to buy Arogya Sanjeevani Policy?

Ans. The minimum and maximum entry age under the Arogya Sanjeevani Policy is 18 years and 65 years respectively. The policy allows the inclusion of children aged 3 months to 25 years under the family floater type. However, if the child above 18 years of age is financially independent, he or she shall not be eligible for the coverage in the subsequent renewals.

Health Insurance Companies

Insurance Dekho Contact Details

Reach us for help anytime

Health Companies User Reviews

  • Nice

    Good policy.

    A
    Asma
    On: July 02, 2020 | Views
  • Quality has no boundaries

    Family Health Optima is an excellent plan . 

    P
    PRANAB KUMAR MOHANTY
    On: June 27, 2020 | Views
  • Nice policy

    I really liked the benefits of Arogya Sanjeevani Policy, Bharti Axa health insurance so I bought this plan online. It covers expenses for coronavirus ...

    Read More
    G
    Gopi Nath
    On: June 24, 2020 | Views
  • Great services at InsuranceDekho

    InsuranceDekho offers great services and never disappoints me. I had purchased a critical illness plan from them earlier and I found the services grea...

    Read More
    K
    Kiran Varma
    On: June 22, 2020 | Views
  • Easy to Understand

    The policy has standard features across all insurers and therefore it is easy to understand too. I got it from Go Digit as it is a trusted insurer and...

    Read More
    C
    Chinansuka
    On: June 21, 2020 | Views
  • Affordable Plans

    This is an affordable health insurance policy that covers almost all basic healthcare expenses at an affordable premium. Also, premium payment is safe...

    Read More
    G
    Gulshan Malhotra
    On: June 19, 2020 | Views
  • Nice Experience

    The policy covers me and my family for basic healthcare expenses. The best part is that the policy comes at an affordable price. I chose a sum insured...

    Read More
    G
    Gauri Pradhan
    On: June 18, 2020 | Views
  • I liked this plan for my family

    I am 45 years old and recently ported my previous health insurance plan to Arogya Sanjeevani Policy, Bharti Axa considering its benefits. I am happy w...

    Read More
    A
    Arjun Goyal
    On: June 18, 2020 | Views
  • Amazing plan

    ManipalCigna Arogya Sanjeevani Policy is a comprehensive policy that covers me and my entire family against many healthcare expenses. I bought the pol...

    Read More
    G
    Gurdeep Singh
    On: June 18, 2020 | Views
  • Easy to buy online from InsuranceDekho

    I am happy to have chosen InsuranceDekho to fulfil my health insurance requirement. It was very easy to buy ManipalCigna Arogya Sanjeevani Policy from...

    Read More
    M
    Mandeep Kaur
    On: June 18, 2020 | Views
  • Good claim settlement process

    I recently made a claim under my Max Bupa Arogya Sanjeevani Policy that I bought from InsuranceDekho. The process was smooth as butter and the request...

    Read More
    D
    Drishti Sinha
    On: June 18, 2020 | Views
  • Got the plan at affordable price

    I bought this Arogya Sanjeevani plan of Royal Sundaram Insurance from InsuranceDekho platform at an economical price. Their executive elaborated all i...

    Read More
    R
    Ramesh Sawant
    On: June 18, 2020 | Views
  • Complete coverage

    Star Health Arogya Sanjeevani Policy offers complete coverage to me and my family against hospitalisation expenses. I liked the plan coverage features...

    Read More
    B
    Bhanu Pratap Singh
    On: June 18, 2020 | Views
  • Brilliant insurance solutions

    I was looking for a comprehensive plan for my family and got this Arogya Sanjeevani Policy through the instant quotes option of InsuranceDekho. It hel...

    Read More
    R
    Rohan Mandal
    On: June 18, 2020 | Views
  • Cost-effective insurance plan

    The Arogya Sanjeevani is an economical and beneficial plan offered by the Future Generali. I wanted to buy a plan like this for a long time but my wai...

    Read More
    N
    Neeraj Garg
    On: June 18, 2020 | Views
  • Adequate coverage

    The Arogya Sanjeevani Policy offered by United India holds a sufficient amount of coverage to cover my family. Apart from serving with different featu...

    Read More
    K
    Kartik Singh
    On: June 18, 2020 | Views
  • A reliable choice

    The InsuranceDekho platform is quite a reliable choice for all the customers seeking insurance plans. It helped me get the best plan for me and my fam...

    Read More
    A
    Aniket Verma
    On: June 18, 2020 | Views
  • Beneficial plan for families

    I bought this Arogya Sanjeevani Policy for my family from InsuranceDekho platform on the recommendation of their customer support staff. But now I am ...

    Read More
    T
    Tushar Jain
    On: June 18, 2020 | Views
  • Good coverage under plan

    Arogya Sanjeevani policy by ICICI Lombard offers me the best coverage features. This include cover for pre-hospitalisation and post-hospitalisati...

    Read More
    S
    Sayani Gupta
    On: June 18, 2020 | Views
  • Nice features

    The policy has nice features. I got all what I wanted like pre and post hospitalisation cover, cover for cataract expenses, road ambulance cover, in-p...

    Read More
    S
    Sakshi Chawla
    On: June 17, 2020 | Views