No upper Coverage Limit in Arogya Sanjeevani Health Insurance Policy: IRDAI

Amid the increasing cost of healthcare expenses in India due to the rising COVID-19 cases, the Insurance Regulatory and Development Authority of India (IRDAI) has removed the capping of Rs 5 Lakh from Arogya Sanjeevani health insurance plans, with immediate effect. It allows the General insurance companies to provide the policy beyond the earlier permissible limit of Rs 5 Lakh.

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    The standard product called ‘Arogya Sanjeevani health insurance’ is provided by all the health insurers with minimum sum insured limit of Rs 1 Lakh and maximum of Rs 5 Lakh. However, the regulator now permits the insurers to offer this product at a minimum sum insured of Rs 50,000 with no upper limit on the coverage amount. But the sum insured amount must be in multiples of Rs 50,000.

    Arogya Sanjeevani health insurance product was designed to provide health insurance cover to people at an affordable premium with standard product features across the industry. But with the increasing healthcare costs and expensive treatments, this initiative has been taken. It will ensure that people have adequate insurance cover. Arogya Sanjeevani covers hospitalization expenses including nusing, boarding and room-rent charges, but it also has a co-pay clause of 5%, with room rent sub-limit of 2%. You can read about this policy here.

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