Bajaj Allianz Arogya Sanjeevani Policy

Arogya Sanjeevani policy is an affordable and beneficial health insurance plan by Bajaj Allianz General Insurance Company Limited.  Anyone up to the age of 65 years can get insurance cover for hospitalization expenses including modern treatments and COVID-19 hospitalization. From oral chemotherapy to robotic surgeries, Bajaj Allianz Arogya Sanjeevani health insurance plan covers it all. Here are the policy features, coverage benefits, and premium details below.

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Bajaj Allianz Arogya Sanjeevani Policy

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    Eligibility Criteria



    Entry Age

    Adults: 18- 65 years

    Children: 3 months- 25 years

    Coverage Type

    Individual/Family Floater

    Sum Insured

    Rs 1 lakh to Rs 25 lakh

    Policy Term

    1 Year

    Modern Treatment Cover

    Up to 50% of the Sum Insured



    COVID-19 Treatment


    Pre-existing Disease Waiting Period

    48 months


    Rs 2890 onwards

    Features of Bajaj Allianz Arogya Sanjeevani Policy

    Bajaj Allianz Arogya Sanjeevani health insurance policy is loaded with the following features and benefits:

    • The sum insured options under the Bajaj Allianz Arogya Sanjeevani policy range from Rs 1 lakh to Rs 25 lakh
    • The policy covers all the daycare procedures as well
    • Pre-acceptance medical screening is only required for people above the age of 45 years
    • Pre and post hospitalization expenses are claimable for 30 days and 60 days respectively
    • 5% cumulative bonus is provided for all the claim-free years
    • Hernia, varicose veins, fissures, congenital anomalies, sinus, benign tumors, polyps, cysts, and some other specific disease treatment/ surgery are payable after completion of 24 months of the policy term
    • The insured has an option to pay the premium in installments

    Inclusions of Bajaj Allianz Arogya Sanjeevani Policy

    Bajaj Allianz Arogya Sanjeevani policy provides the following coverage benefits:

    • Modern Treatments are covered up to 50% of the Sum Insured
    • Cataract surgery 25% of Sum Insured or Rs.40,000
    • Road ambulance cover up to Rs 2000
    • Room Rent capping is kept at 2% of the sum insured up to a maximum of Rs 5000 per day
    • ICU cover up to 5% of the sum insured or up to a maximum of Rs 10,000 on a daily basis
    • Ayush treatment charges for Homeopathy, Naturopathy, Siddha, and Unani are covered

    Exclusions of Bajaj Allianz Arogya Sanjeevani Policy

    Bajaj Allianz Arogya Sanjeevani policy does not cover the following expenses:  

    • Obesity/weight control treatments
    • Maternity expenses are not claimable
    • OPD treatment and domiciliary hospitalization expenses
    • Infertility and sterility treatment are excluded

    How to File a Claim for Bajaj Allianz Arogya Sanjeevani Policy?

    To file a cashless and reimbursement claim for Bajaj Allianz Arogya Sanjeevani Policy follow the process as given below:

    • You can call the insurer or speak to our health insurance experts at 1800-708-8787 for assistance
    • Inform your policy ID number and registered email id
    • At the time of hospital admission, you can furnish the ID Card issued by the Insurer at the Hospital Helpdesk
    • You need to get the pre-authorization Form from the Hospital Help Desk, provide the Patient Information, and re-submit is to the Hospital Help Desk
    • For emergency hospitalizations, the information needs to be provided within 24 hours after hospitalization
    • In non-network hospitals, you need to pay the amount up-front and then file for reimbursement claim with all the documents
    • On the other hand, in network hospitals when you are availing the cashless treatment the amount will be settled by the insurer directly with the hospital


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