₹5 Lac Health Cover for your Family Starts @ ₹630/month*
Tax Benefit up to Rs.75,000
Save up to 12.5%* on 2 Year Payment Plans
7 Lakh+ Happy Customers

*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply
*Tax benefit is subject to changes in tax laws. Standard T&C Apply

Arogya Sanjeevani Policy

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. Under this policy, insured person can avail policy coverage ranging from Rs 1 lakh to Rs 5 lakhs. Arogya Sanjeevani Health Insurance comes as an Individual Plan & Family Floater Plan which also covers the hospitalisation expenses due to Coronavirus (COVID-19).

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 Health Insurance Policy Details at a Glance

Health Insrance Companies Religare Health Insurance Max Bupa Health Insurance Raheja QBE Health Insurance
Policy Name Arogya Sanjeevani Religare Health Insurance Arogya Sanjeevani 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
See More Features

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.

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.

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.

FAQs About Arogya Sanjeevani Policy

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.

Written By: PolicyBazaar - Updated: 04 August 2020
2,153,010 Confirmed Cases in India*
21,629,155 Confirmed Cases worldwide*
722,546 Confirmed deaths worldwide*
Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.
Average Rating
(Based on 25 Reviews)
Arogya Sanjeevani Policy Insurance Reviews & Ratings
4.6 / 5 (Based on 25 Reviews)
(Showing Newest 15 reviews)
Sabarkantha, August 06, 2020
Less premium prices
I got to know about the arogya sanjeevani plan for myself and my family. I immediately visited to the website of the policybazaar and got the best one. One good thing about policybazaar is that they have low premium rates health plans for everyone. Thanks a lot team for ultimate services.
Hamirpur, August 06, 2020
An insurance for health
I am happy that I have secured me and my family from all kind of health issues with the help of policybazaar. I got the best plans with a valuable services and not only that the working of whole team policybazaar and insurance company is good. They provides with the hassle free services. Thank you policybazaar.
Habra, August 06, 2020
Easy renewability
I have taken the arogya sanjeevani policy from the website of policybazaar. I am happy with this plan because they have given me immense number of features and are very good. I can easily renew this plan for the lifetime and can continue it by renewing it through the mobile application of policybazaar. Thank you so much team policybazaar.
Vadali, August 05, 2020
Online buy the policy
I recently got the arogya sanjeevani health plan for myself online. I found the health plan quite useful with respect to corona virus outbreak. You can search for more better plans on the website and can choose wisely. I really love the plan and make up my mind to buy it. Thank you team policybazaar.
Gadag, August 05, 2020
Coverage for hospitalization
I have taken the new insurance policy for me and my family. It is known as arogya sanjeevani policy. A great policy for the aid of corona virus and it provides the hospitalization expenses to be settled down by health insurance company. I bought this policy from policybazaar and it is wonderful. Thank you team.
Fakirpur, July 24, 2020
Less premium rates
I bought the health plan arogya sanjeevani plan from policybazaar website and really like the plan. The best thing I like about this plan is the features and the premium rate of the policy. The premium rate is much less and it give me proper facilities. Thanks a lot team.
P.s.murli, July 24, 2020
Easy claim settlement
It is very easy to settle your claim with the help of policybazaar. I filed for the claim at the time of corona virus with happened to my wife. Now she is fine and the claim was done in a cashless way. I am happy for better assistance to my wife and to me. Thank you team.
Vadgaon, July 23, 2020
NRI can also buy
I am a NRI and I have taken this policy for me and my family. I do come to India simultaneously and my family lives in India. So, it was very easy for me to get the policy as I got it done online. I am really thankful and grateful to team policybazaar to give me the best plans.
Baarod, July 23, 2020
Purchase from the website
I purchase the arogya sanjeevani policy from the portal of policybazaar and it was all done online. I found it quite easy to get the health insurance plan which will assist me at the time of corona virus diseases. I am really happy to be a customer with policybazaar.
H D Kote, July 23, 2020
Tax benefits to be given
I have taken this new plan by the name of arogya sanjeevani health plan which covers the corona virus disease under its plans. A good plan which will ultimately give me the tax benefits and it is a good plan for me and my family. Thank you team.
Alwarpet, June 16, 2020
Very nice policy
I recently purchased the health insurance policy from policybazaar. The plan name was arogya sanjeevani policy. It is a good plan which offers a lot many benefits to me and my family. It is newly launched planned by policybazaar. Thanks team
Ahmednagar, June 16, 2020
Lifetime renewability
I opted for this health insurance policy which is quite convenient to any other policy. I like it as the premium rate is not so high and I can afford it me and my family. I can renew it very easily through online process.
Barwala Ghelasha, June 16, 2020
COVID-19 expenses to be covered
When I was getting a consultation from policybazaar sales team they told me that this plan will cover the hospitalization expenses which are related to Corona Virus. I was very much happy because we don’t know what will going to happen in next few days or months. We should be covered and protected.
Adaspur, June 15, 2020
One of the best thing I found for this arogya sanjeevani plan is that it is much economical as compared to other plans. It is very much less expensive and can be afforded by all if anyone is planning to take the health insurance policy.
Balichak, June 15, 2020
Buy from any insurer
It is a nice plan with basic facilities and lot many benefits. As in this you can buy this plan from any insurer and you can take the help of policybazaar in getting the one. Easy to use and understand the policy.