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Arogya Sanjeevani Policy is a standard health insurance policy introduced by the IRDAI on 1st April, 2020 offered by top health insurance companies in India.
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:
Take a look at the Arogya Sanjeevani policies offered by various health insurance companies in India:
|Name of the Policy||Sum Insured||Pre-policy Medical Check-up|
|Aditya Birla Arogya Sanjeevani Policy||Rs 1 lakh to Rs 5 lakh||May be required|
|Bajaj Allianz Arogya Sanjeevani Policy||Rs 1 lakh to Rs 25 lakh||Not required up to 45 years|
|Care Arogya Sanjeevani Policy||Rs 50,000 to Rs 10 lakh||May be required|
|Cholamandalam Arogya Sanjeevani Policy||Rs 50,000 to Rs 10 lakh||Not required up to 50 years|
|Digit Arogya Sanjeevani Policy||Rs 50,000 to Rs 3 crore||May be required|
|Future Generali Arogya Sanjeevani Policy||Rs 50,000 to Rs 10 lakh||Not required up to 55 years|
|HDFC ERGO Arogya Sanjeevani Policy||Rs 50,000 to Rs 10 lakh||Not required up to 45 years|
|IFFCO Tokio Arogya Sanjeevani Policy||Rs 50,000 to Rs 10 lakh||Not required up to 55 years|
|Kotak Mahindra Arogya Sanjeevani Policy||Rs 50,000 to Rs 10 lakh||-|
|Liberty Arogya Sanjeevani Policy||Rs 1 lakh to Rs 5 lakh||Not required up to 45 years|
|Magma HDI Arogya Sanjeevani Policy||Rs 50,000 to Rs 10 lakh||May be required|
|ManipalCigna Arogya Sanjeevani Policy||Rs 50,000 to Rs 10 lakh||Not required up to 45 years|
|National Arogya Sanjeevani Policy||Rs 50,000 to Rs 10 lakh||Not required up to 55 years|
|New India Arogya Sanjeevani Policy||Rs 50,000 to Rs 10 lakh||Not required up to 50 years|
|Niva Bupa Arogya Sanjeevani Policy||Rs 50,000 to Rs 10 lakh||Not required up to 45 years|
|Oriental Arogya Sanjeevani Policy||Rs 1 lakh to Rs 20 lakh||Not required up to 55 years|
|Raheja QBE Arogya Sanjeevani Policy||Rs 50,000 to Rs 10 lakh||Not required up to 55 years|
|Reliance Arogya Sanjeevani Policy||Rs 50,000 to Rs 10 lakh||Not required up to 50 years|
|Royal Sundaram Arogya Sanjeevani Policy||Rs 50,000 to Rs 10 lakh||Not required up to 50 years and Rs 5 lakh sum insured|
|SBI Arogya Sanjeevani Policy||Rs 50,000 to Rs 10 lakh||Not required up to 45 years|
|Star Arogya Sanjeevani Policy||Rs 50,000 to Rs 10 lakh||Not required up to 50 years|
|Tata AIG Arogya Sanjeevani Policy||Rs 50,000 to Rs 10 lakh||Not required up to 45 years|
|United India Arogya Sanjeevani Policy||Rs 50,000 to Rs 10 lakh||May be required|
|Universal Sompo Arogya Sanjeevani Policy||Rs 50,000 to Rs 10 lakh||-|
|Zuno Arogya Sanjeevani Policy||Rs 50,000 to Rs 10 lakh||Not required up to 60 years|
*Disclaimer: Policybazaar does not endorse, rate, or recommend any particular insurer or insurance product offered by an insurer.
An Arogya Sanjeevani Health Insurance Policy comes with the following inclusions:
The Arogya Sanjeevani Insurance Policy covers the following modern or new-age treatments:
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:
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:
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.
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.
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%|
The Arogya Sanjeevani Health Plan does not include the following treatments or situations:
The Arogya Sanjeevani Health Policy comes with the following waiting periods:
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.
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.
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*We will respond in the first instance within 30 minutes of the customers contacting us. 30-minute claim support service is for the purpose of giving reasonable assistance to the policyholder in pursuance of the claim. Settlement of claim (including cashless claim) is the responsibility of the insurer as per policy terms and conditions. The 30-minute claim support is subject to our operations not being impacted by a system failure or force majeure event or for reasons beyond our control. For further details, 24x7 Claims Support Helpline can be reached out at 1800-258-5881. Product information is authentic and solely based on the information received from the Insurer. Policybazaar is acting only as a facilitator and claims settlement shall be at the sole discretion of the Insurer. As per the Insurance guidelines, you are allowed to cancel the policy with-in 15 days from the date of Issuance of policy. For more details, please read the Plan Brochure carefully or talk to our advisor at the time of purchase.
**All savings and online discounts are provided by insurers as per IRDAI approved insurance plans. #Tax Benefits are subject to changes in tax laws.
##On ground claim assistance is available in 114 cities
~No medical tests are required unless requested by the insurer’s underwriter. In-case of pre-existing diseases relevant medical proof would be required as per the terms and condition of the policy opted.
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