What is Arogya Sanjeevani Policy?

Arogya Sanjeevani Policy, a basic health insurance policy which provides coverage medical / hospitalization expenses up to Rs. 5 lakhs. The Insurance Regulatory and Development Authority of India (IRDAI) has mandated all health insurers to come up with the basic & standard health insurance policy for both individuals & families.

Arogya Sanjeevani Health Policy are universal for all general & health insurance companies in India comes with the several benefits. It covers pre & post hospitalisation expenses which includes bed charges, nursing charges, ICU & doctor consultation charges and many more. Arogya Sanjeevani Health Insurance protects you & your family from the financial burden in case of any medical emergencies.

There are two types of plans comes under the Arogya Sanjeevani Insurance Policy:

Individual Plan: Under this plan only 1 policyholder as the beneficiary.
Family Floater Plan: In this plan entire family members can avail the benefits of Arogya Sanjeevani Policy. The policyholder can include dependents, such as spouse, children, parents & parents-in-law in a single policy.

Arogya Sanjeevani Policies

Aditya Birla Arogya Sanjeevani Policy

Bajaj Allianz Arogya Sanjeevani Policy

Bharti AXA Arogya Sanjeevani Policy

Digit Arogya Sanjeevani Policy

Edelweiss Arogya Sanjeevani Plan

Future Generali Arogya Sanjeevani Policy

IFFCO Tokio Arogya Sanjeevani Policy

Kotak Arogya Sanjeevani Policy Coverage

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Arogya Sanjeevani Health Insurance Policy Details at a Glance

Health Insurance Companies	Care Health Insurance (Formerly known as Religare Health Insurance)	Niva Bupa Health Insurance (Formerly known as Max Bupa Health Insurance)	Raheja QBE Health Insurance
Policy Name	Care Health Arogya Sanjeevani Health Insurance	Arogya Sanjeevani Niva Bupa Health Insurance (Formerly known as Max Bupa Health Insurance)	Arogya Sanjeevani Raheja QBE Health Insurance
Plan Type	Indemnity	Indemnity	Indemnity
Coverage	Individual/Family Floater	Individual/Family Floater	Individual/Family Floater
Sum Insured (in Rs.)	5 Lakhs	1-5 Lakhs	1-5 Lakhs
Premium	6,013 annually	Min. - 3,148 annually Max. - 4,722 annually	Min. - 2,579 annually Max. - 3,764 annually
Cumulative Bonus	5-50%	5-50%	5-50%
Eligibility Criteria	Adults: 18- 65 years Children: 3 months- 25 years	Adults: 18- 65 years Children: 3 months- 25 years	Adults: 18- 65 years Children: 3 months- 25 years
Features	Lifetime renewability, cashless treatment, free look period, and tax saving benefits	Cashless hospitalization, lifetime policy renewal, tax saving benefits, and free look period	Tax saving benefits, lifetime renewability, cashless treatment, and free look period,
Inclusions (up to a specified limit & as per the policy wordings)	Cataract Treatment up to Rs 40000 or 25% of SI, Ayush Treatment, Hospitalization Expenses, ICU up to Rs 10,000 per day or 5% of the SI, Room rent up to 2% of SI or Rs 5000 per day, Ambulance Charges, -Modern Treatments, etc.	In-patient care, ambulance cover, room rent, ICU charges, Ayush treatment, day care treatments, modern treatments such as oral chemotherapy, stem cell therapy, and the likewise.	In-patient care, Ayush treatment, plastic surgery/dental treatment if required as a part of the treatment, day care expenses, road ambulance cover, cataract surgery, modern treatments, etc.
Policy Term	1-year	1-year	1-year
Pre- hospitalization Expenses	30 days	30 days	30 days
Post-hospitalization Expenses	60 days	60 days	60 days
Co-pay	5% on all the claims	5% on all the claims	5% on all the claims
Pre-existing Diseases Waiting Period	48 months	48 months	48 months
Specific Diseases Waiting Period	24/48 months	24/48 months	24/48 months

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Disclaimer : *Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.

Inclusions of Arogya Sanjeevani Policy

An Arogya Sanjeevani Health Insurance Policy comes with the following inclusions:

Pre & Post Hospitalization Expenses - This policy will cover all the pre and post hospitalization expenses in case of any medical emergency due to an illness or accidental injury. It also offers coverage for medical & hospitalisation expenses occurs due to Coronavirus (COVID-19).
COVID-19 Cover - It also offers corona insurance protection and pays for any expenses incurred on hospitalization due to contracting COVID-19 or coronavirus disease.

AYUSH Benefit - It includes hospitalization expenses incurred on obtaining alternative treatments, such as Ayurveda, homeopathy, Siddha, etc, at an approved hospital.
ICU/ ICCU Charges - The policy pays up to 5% charges of the treatment taken in the ICU (Intensive Care Unit) or ICCU (Intensive Coronary Care Unit) of the total sum insured up to a maximum Rs. 10,000 per day.
Room Rent - It covers the room rent of the hospital up to a maximum of Rs. 5,000 per day.
Ambulance Services - It covers the cost of ambulance services up to a maximum cap of Rs. 2,000 per hospitalization.
Daycare Treatment - It covers the expenses arising out of any daycare treatment procedures.
Plastic Surgery and Dental Treatment - The cost of any dental or plastic surgery treatment taken as a result of an illness or injury is also covered.
Cataract Surgery - It also covers the cost of cataract surgery for each eye up to a maximum of Rs. 40,000 or 25% of the total sum insured amount, whichever is less.
New Age/ Modern Treatment - This policy also covers the cost of modern/ new age treatment up to a maximum of 50% of the total sum insured amount.

Aditya Birla Health Insurance

Bajaj Allianz Health Insurance

Bharti AXA Health Insurance

Care Health Insurance

Cholamandalam Health Insurance

Digit Health Insurance

Edelweiss Health Insurance

Future Generali Health Insurance

Health Insurance Companies Expand

New-Age/ Modern Treatments Covered Under Arogya Sanjeevani Policy

The Arogya Sanjeevani Insurance Policy covers the following modern or new-age treatments:

Balloon Sinuplasty
Bronchial Thermoplasty
Intraoperative Neuromonitoring (IONM)
Intravitreal Injections

Oral Chemotherapy
Robotic Surgeries
Stem Cell Therapy (Bone marrow transplant through Hematopoietic stem cells for hematological conditions)
Stereotactic Radio Surgeries
Uterine Artery Embolization and High Intensity Focussed Ultrasound (HIFU)
Vaporisation of the Prostate (Green Laser/ Holmium Laser treatment)

Features of Arogya Sanjeevani Policy

There are several features that differentiate an Arogya Sanjeevani Policy from other health insurance plans available in India. Take a look at some of the most attractive features of Arogya Sanjeevani Policy below:

More economical than other health plans
Universal coverage, terms & conditions across all health insurance companies in India

Sum insured ranging from Rs. 1 lakh to Rs. 5 lakhs
Available in Individual as well as Family Floater basis
Covers hospitalization expenses related to COVID-19 (Coronavirus)

Benefits of Arogya Sanjeevani Policy

Arogya Sanjeevani Policy has been launched with an aim to simplify health insurance in India by offering a basic & standard medical insurance with the exact same coverage by all best health insurance companies. It strives to provide basic indemnity insurance benefits to the policyholder across all income groups in India. To understand this policy better, take a look through the list of benefits that a policyholder can avail under the Arogya Sanjeevani Plan:

No More Confusion - It eliminates the scope of any confusion that may arise in the minds of a policyholder as the same level of coverage and the terms & conditions is offered by all insurance companies in India.

Lower Co-payment Option - It offers a lower co-payment option of only 5% of the total claim amount, which means the applicant will have to pay the only 5% of the total claim amount at the time of settlement.
Cumulative Bonus - Just like other medical insurance policies, the Arogya Sanjeevani Health Plan also rewards a cumulative bonus of 5% on the total sum insured amount for every claim-free year.
Boon for First-Time Buyers - This is the perfect stepping & an ideal choice for a first-time health insurance buyer as he will be able to get a wide range of coverage at minimum cost without the hassles of understanding the pros and cons of different kinds of health plans.
Lifetime Renewability - It comes with lifetime renewability that allows policyholders to renew their policies for as long as they live.

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Eligibility Criteria for Arogya Sanjeevani Policy

Arogya Sanjeevani Health Insurance Policy can be availed by any person between the age of 18 years to 65 years. Under the Arogya Sanheevani Family Floater Plan, you can purchase this policy for dependent children between 3 months & 25 years.

If your children age is above 18 years then he / she can’t be covered under the family floater health scheme. You need to buy Arogya Sanjeevani Individual Health Plan for the same.

Under the Family Floater Arogya Sanjeevani Health Policy, a policyholder can include his / her parents & parents-in-law. This policy comes with lifelong renewability.

Arogya Sanjeevani Policy Renewal

The Arogya Sanjeevani Policy comes with lifetime renewals. This means that a policyholder can renew his Arogya Sanjeevani Health Insurance Policy for as long as he is alive. However, he should make sure to renew his policy before its date of expiry. If the policy is not cancelled even after the grace period of 30 days, it will be get terminated.

The Arogya Sanjeevani Policy can be renewed online by entering the required details and paying the health insurance premium.

Arogya Sanjeevani Cancellation and Refunds Policy

All policyholders of the Arogya Sanjeevani Policy offer a 15-day free-look period. This means the policyholder can cancel his / her policy within the first 15 days without paying any cancellation charges. The paid premium will be refunded to the policyholder minus any expenses incurred by the insurance company, provided no claims were made during this period.

Please note that the free-look period is not applicable at the time insurance renewals.

However, if the 15-day free-look period gets over, the policyholder can still cancel his Arogya Sanjeevani Health Insurance Policy. He will be required to give a 15-days written notice to the insurance provider for cancelling the policy. The premium for the remaining policy period will be refunded to the policyholder as per the rates given below:

Refund of Arogya Sanjeevani Policy Premium
Time of Cancellation	Percentage of Premium Refund
Up to 30 days	75%
31 days to 90 days	50%
3 months to 6 months	25%
6 to 12 months	0%

Exclusions of Arogya Sanjeevani Policy

The Arogya Sanjeevani Health Plan does not include the following treatments or situations:

Diagnostic or Investigative Tests - It will not cover the expenses incurred on getting any diagnostic or investigative tests done.
Bed Rest or Rehabilitation Expenses - It will not cover any expenses incurred due to enforced bed rest in the absence of treatment. It will also not cover any expenses arising out of rehabilitation needs.
Weight Control/ Obesity Treatment - Any expenses arising out of the treatment taken for obesity or weight management will not be covered.

Gender-change Treatment - It will not cover the cost of taking any treatment for changing the gender.
Cosmetic or Plastic Surgery - Any expenses incurred on cosmetic or plastic surgery which is not required as a result of an accident, cancer, burn injury or medically necessary treatment will not be covered.
Maternity Expenses - It will not cover the cost of any treatment related to pregnancy and child birth.
OPD Treatment - It will not cover the cost of any OPD or out-patient treatment taken by the policyholder.
Adventure/ Hazardous Sports – Under this medical insurance does not cover any medical treatment expenses arising due to participation in a hazardous or adventure sports, such as rock climbing, sky diving, para-jumping, deep-sea diving, mountaineering, etc, as a professional.
Breach of Law - It will not cover any expenses incurred due to breaching the law with a criminal intention.
Alcohol/ Drug addiction - Any expenses arising out of the treatment for addiction of alcohol or drug or substance abuse will not be covered.
Dietary Supplements - It will not cover the cost of purchasing any dietary substance or supplements, such as minerals, vitamins, etc., without a prescription.
Unproven Treatment - This policy will not cover the cost of any unproven treatment taken by the policyholder.
Infertility and Sterility - It will not cover any expenses arising out of infertility or sterility.
Domiciliary hospitalization - Any expenses arising out of domiciliary hospitalization will not be covered.
Nuclear attack or War - This policy will not cover any claims arising out of a nuclear attack or a war/ war-like situation.
Treatment outside India - It will not cover the expenses incurred on receiving any outside India.

The Arogya Sanjeevani Health Policy comes with the following waiting periods:

Initial Waiting Period - An initial waiting period of 30 days from the date of policy commencement for all claims except accidental claims.
Pre-Existing Disease - A waiting period of 4 years for coverage of pre-existing disease or medical condition.
Specific Illness/ Treatment - A waiting period of 2/ 4 years for coverage of specific treatments such as tonsillectomy, benign prostate hypertrophy, hernia, cataract, internal congenital anomalies, age-related osteoporosis/ osteoarthritis, joint replacement treatment, etc.

How to Buy Arogya Sanjeevani Policy?

An Arogya Sanjeevani Policy can be purchased online. The IRDAI has permitted insurance companies to issue the Arogya Sanjeevani Policy online or electronically to the policyholders. This further reduces the operating/ serving cost of the insurance company making it more economical for the buyers.

In order to buy Arogya Sanjeevani Health Insurance Policy, the policyholder will need to compare the premium quotes using the Arogya Sanjeevani Policy Premium Calculator. After comparing premium and choosing this plan, the policyholder will have to fill up the proposal form and pay the premium online. The Arogya Sanjeevani Policy will be issued online.

However, it is mandatory for insurance providers to issue the policy document in physical form even if it has been purchased online. Moreover, the IRDAI has also directed all health insurance companies to offer a certificate of insurance to the policyholders specifying the Arogya Sanjeevani Policy details including the terms and conditions.

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

Ans: The policyholder can avail this policy for a tenure of 1 year only.
Q. Are there any plan variants under the Arogya Sanjeevani Policy?

Ans: No. There are no plan variants comes under this policy.
Q. Is Corornavirus covered under Arogya Sanjeevani Policy?

Ans: Yes, Arogya Sanjeevani Policy does cover the hospitalization expenses arising out of Coronavirus (COVID-19) disease.
Q. Can NRIs buy Arogya Sanjeevani Policy?

Ans: Yes. Even NRIs (Non-Resident Indians) can buy the Arogya Sanjeevani Standard Health Insurance Policy. Although the customer needs to be in India at the time of policy buying and should pay the premium in Indian currency through an Indian bank account.
Q. Can I opt for a higher sum insured than the maximum limit under this policy?

Ans: No. The sum insured available under the Arogya Sanjeevani Plan is from Rs 1 lakh to Rs 5 lakhs. In case you are looking for a higher sum insured amount, you will have to buy some other policy with a higher sum insured available..
Q. Are pre-existing diseases covered under Arogya Sanjeevani Insurance Policy?

Ans: Yes. It covers pre-existing diseases after a waiting period of the first four years.
Q. Can I port my existing health insurance policy to Arogya Sanjeevani Policy?

Ans: Yes. You can port your existing health policy into Arogya Sanjeevani.
Q. Does Arogya Sanjeevani Insurance offer a free-look period?

Ans: Yes. The Arogya Sanjeevani Policy comes with a 15-day free-look period. The policyholder would not have to pay any cancellation charges if he cancels his policy within the first 15 days of buying it. However, the free-look period is not available on policy renewals.
Q. Do I need to pay anything at the time of claim settlement?

Ans: Yes. You will have to pay 5% of the total claim amount as co-payment during claim settlement.
Q. What is the Entry age Criteria under the Arogya Sanjeevani Policy?

Ans: Under the Arogya Sanjeevani Policy, the entry age limit for adults is 18 years to 65 years. For children, the age criteria is 3 months to 25 years.
Q. How many family members are covered in this policy?

Ans: This policy offers coverage to all the family members under a single policy. It can cover two adults (self and spouse) and up to 3 dependent children.
Q. Is there a room rent cap for Arogya Sanjeevani Policy?

Ans: The room rent limit in this policy is 2% of the Sum Insured or up to Rs 5,000 per day.

News About Arogya Sanjeevani Policy

IRDAI Allows Insurers to sell Arogya Sanjeevani policy as Group Health Insurance

The Insurance Regulatory and Development Authority of India (IRDAI) now permits general and health insurance companies to provide the Arogya Sanjeevani Policy as a group insurance policy. Arogya Sanjeevani is a standard health insurance product that offers medical coverage to families and individuals for basic hospitalization expenses along with Covid-19 treatment cover.

IRDAI has taken this step so that organizations or employers can buy group Arogya Sanjeevani policy for their employees and workers. This policy can offer coverage above Rs 5 lakh as this was the earlier limit and also covers expenses incurred for Coronavirus hospitalization.

IRDAI mentioned in its circular that this Arogya Sanjeevani standard group policy is likely to be useful to various public and private establishments who want to offer health coverage to their employees during the time of this pandemic.