New India Arogya Sanjeevani Health Insurance

Claim Settlement | Dedicated Team |
Claim Settlement Ratio | 92.68% |
COVID-19 Cover | Yes |
Network Hospitals | 1,500+ |
Policies Sold | 16,83,506 |
Renewability | Lifelong |
About New India Arogya Sanjeevani Health Insurance
Set by the Insurance Regulatory and Development Authority of India (IRDA), Arogya Sanjeevani Policy is a Standard Health Insurance Policy (SHIP) that offers cover to the insured at affordable premiums. The policy can be purchased on an individual or family floater basis for sum insured options ranging between Rs. 1 Lakh and Rs. 5 Lakh (in multiples of Rs. 50,000). On an individual basis, only one person can be added as a beneficiary, whereas on a family floater basis, you can also include your legally wedded spouse, dependent children, parents and parents-in-law, apart from self. It is an annual policy that can be purchased for a term of 1 year and be renewed thereafter. The policy comes with a low co-payment of 5% that does not put an excessive financial burden on you.
You can purchase Arogya Sanjeevani Policy offered by New India Assurance if you are aged between 18 years and 65 years. Under the floater type, you can also include children aged between 3 months and 25 years. Also, if the child is aged more than 18 years and is financially independent, then he/she will not be eligible for coverage. The policy offers several coverage benefits some of which are in-patient hospitalisation expenses, pre-hospitalisation and post-hospitalisation expenses, daycare expenses, expenses related to treatments taken under the AYUSH system of medicines, road ambulance expenses, and new-age treatments. In short, Arogya Sanjeevani Policy offered by the New India Assurance Company is a simplified indemnity-based health insurance policy that offers you much-needed coverage at all times.
Read more: Arogya Sanjeevani Policy
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Key Inclusions and Exclusions of the Plan
What's Included
- In-patient hospitalisation expenses
- 30 days pre-hospitalisation and 60 days post-hospitalisation
- Daycare treatments requiring less than 24 hours of hospitalisation
- Expenses related to new age/modern treatments
What's Not Included
- Change of gender treatments
- Hospitalisation for the purpose of investigation and evaluation
- Hospitalisation required for rest cure, rehabilitation and respite care
- Expenses related to surgical treatment of obesity
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FAQs on Arogya Sanjeevani Policy Health Insurance Plan
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What are the sum insured options available in Arogya Sanjeevani Policy?
Arogya Sanjeevani Policy Policy comes with sum insured options of Rs. 1 Lakh, Rs. 1.5 Lakh, Rs. 2 Lakh, Rs. 2.5 Lakh, Rs. 3 Lakh, Rs. 3.5 Lakh, Rs. 4 Lakh, Rs. 4.5 Lakh, and Rs. 5 Lakh.
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Is there any limit on cover for Cataract under Arogya Sanjeevani Policy offered by New India Assurance Company?
Arogya Sanjeevani Policy offered by New India Assurance Company covers you for expenses arising due to Cataract treatment for up to 25% of the sum insured, or up to Rs. 40,000 per eye, whichever is lower.
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What are the new age treatments covered under Arogya Sanjeevani Policy offered by New India Assurance Company?
Some of the new age treatments that Arogya Sanjeevani Policy offered by New India Assurance Company covers you are listed below:
- Robotic surgeries
- Oral chemotherapy
- Balloon sinuplasty
- Deep brain stimulation
- Stem cell therapy
- Bronchial thermoplasty
- Intra vitreal injections
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Who should buy Arogya Sanjeevani Policy offered by New India Assurance Company?
Arogya Sanjeevani Policy offered by New India Assurance Company is the best option for people buying health insurance cover for the first time, people looking for COVID-19 cover, and people looking for a basic, affordable health insurance plan.
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Can I avail cashless treatment under Arogya Sanjeevani Policy offered by New India Assurance Company?
Yes. You can receive cashless treatment under Arogya Sanjeevani Policy offered by New India Assurance Company. Kindly be informed that you can also make a reimbursement claim under the policy.