Digit Arogya Sanjeevani Policy

Highlights

*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

Back
Get insured from the comfort of your home
Get insured from the comfort of your home
  • 1
  • 2
  • 3
  • 4

Who would you like to insure?

  • Previous step
    Continue
    By clicking on “Continue”, you agree to our Privacy Policy and Terms of use
    Previous step
    Continue

      Popular Cities

      Previous step
      Continue
      Previous step
      Continue

      Do you have an existing illness or medical history?

      This helps us find plans that cover your condition and avoid claim rejection

      Get updates on WhatsApp

      What is your existing illness?

      Select all that apply

      Previous step

      When did you recover from Covid-19?

      Some plans are available only after a certain time

      Previous step
      Advantages of
      entering a valid number
      You save time, money and effort,
      Our experts will help you choose the right plan in less than 20 minutes & save you upto 80% on your premium

      Digit Arogya Sanjeevani Policy

      Arogya Sanjeevani Policy by Digit General Insurance Company is a low premium comprehensive health insurance plan. The plan is suitable for first-time health insurance buyers looking for lower insurance premiums and sum insured cover up to Rs 5 lakh. It is a standard policy set as per the IRDAI’s guidelines to make medical insurance available to all.

      Read More

      The policy covers COVID-19 treatment and other illnesses cost effectively. Not only this, but new-age modern treatments also a part of the coverage benefits.  Arogya Sanjeevani plan is basic and affordable and helps the policyholders in availing the best healthcare services during the Coronavirus pandemic.

      Eligibility Criteria

      Criteria

      Specifications

      Entry Age

      18-60 years

      Sum Insured

      Rs 3 lakh- Rs 5 lakh

      Co-payment

      5%

      Coverage Type

      Individual/Family Floater

      Cumulative Bonus

      5% for claim free year

      COVID-19 Protection Cover

      Included

      Premium

      Rs 2414 onwards

      Key Features of the Digit Arogya Sanjeevani Policy

      Digit Arogya Sanjeevani Policy offers a range of features and benefits:

      • The sum insured options under the Digit Sanjeevani policy range from Rs 3 lakh to Rs 5 lakh
      • The policy covers all the daycare procedures as well
      • 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 Digit Arogya Sanjeevani Policy

      Digit Arogya Sanjeevani policy includes the following medical expenses:

      • Coverage is provided for pre and post-hospitalization expenses including doctor fees, diagnostics, doctor charges, operation costs, hospital stay, medicines, etc.
      • COVID-19 treatment and hospitalization is also covered
      • Alternative treatments like Ayush hospitalization cover for Unani, Ayurveda, Siddha, and Homeopathy are provided
      • Room Rent Capping up to Rs 5000 or 2% of the sum insured
      • ICU and ICCU expenses are covered and the limit is Rs 1000 per day or up to 5% of the coverage amount
      • You can avail ambulance cover up to Rs 2000
      • Plastic Surgery and Dental Treatment cover for an illness or injury
      • New Age/Modern treatments like Stem Cell Therapy are covered and the limit is 50% of the sum insured

      Arogya Sanjeevani Policy Premium Chart and Calculator

      Arogya Sanjeevani Policy Premium chart for Rs 3 Lakh and Rs 5 Lakh Sum Insured is given in the table below-

      Age Group ( years)

      Rs. 3 Lakh Sum Insured

      Rs. 5 Lakh Sum Insured

      18-25

      Rs 2,414

      Rs 2,810

      26-30

      Rs 2,503

      Rs 2,914

      31-35

      Rs 2,803

      Rs 3,263

      36-40

      Rs 3,702

      Rs 4,317

      41-45

      Rs 4,698

      Rs 5,468

      46-50

      Rs 6,208

      Rs 7,226

      51-55

      Rs 8,420

      Rs 9,800

      56-60

      Rs 11,569

      Rs 13,466

                                      (Source: Go Digit)

      Exclusions of Digit Arogya Sanjeevani Policy

      Digit Arogya Sanjeevani Policy does not cover the following claims:

      • Obesity or weight control related treatment
      • Gender treatments are not claimable
      • The policy does not cover maternity-related expenses
      • Any type of cosmetic and plastic surgeries are excluded
      • Illness resulting from substance abuse shall not be claimed
      • Sterility and fertility treatments are not covered
      • Treatments without a doctor’s prescription
      • OPD expense or domiciliary care charges are also not covered

      How to file Health Insurance Claim for Digit Arogya Sanjeevani Policy?

      You can file both cashless and reimbursement claims under the Digit Arogya Sanjeevani Policy:

      Cashless Claims

      • For cashless claims the treatment needs to be availed in a network hospital
      • Fill the cashless claim form  that is available with the TPA and network hospitals
      • It will be then sent to the Company/TPA for authorization then a pre-authorization letter will be issued to the hospital by TPA after verification
      • You need to verify and sign the discharge papers at the time of getting discharged and the Insurer / TPA holds the right to deny pre-authorization if all the required medical details are not provided
      • ln case of denial of cashless access, you can file a reimbursement claim

      Reimbursement Claims

      Inform the insurer regarding claim reimbursement within 24 hours of the emergency hospitalization

      • You need to file reimbursement of pre-hospitalization, daycare, and hospitalization within 30 days of getting discharged from the hospital
      • For post-hospitalization expenses file your reimbursement claim within 15 days of treatment

      Documents Required

      • Duly completed Arogya Sanjeevani claim form
      • Patients’ Photo ID Proof
      • Doctor’s medical prescription
      • Payment receipts and original bills with break-up
      • Discharge summary, patients’ medical history, medical investigation/diagnostic test reports
      • Sticker/Invoice of the Implants, if required
      • Surgery details on the OT notes

      FAQs

      Policybazaar exclusive benefits
      • 30 minutes claim support*
      • 50,000 claims approved in last 15 months*
      • Schedule home visit with our advisors
      • Get a plan based on your medical needs

      Health insurance articles

      Recent Articles
      Popular Articles
      Should You Buy a Super Top-up Health Insurance Policy?

      18 Jan 2023

      India is abuzz with a variety of health insurance plans to cater
      Read more
      6 Reasons Why Your Cashless Health Claims Can Get Denied

      18 Jan 2023

      Cashless claims are one of the most lucrative benefits of buying a
      Read more
      Check Out the Mandatory KYC Documents for Health Insurance

      30 Dec 2022

      The Insurance Regulatory & Development Authority of India
      Read more
      What to Look for in a Health Insurance for Cancer Plan?

      20 Dec 2022

      Cancer is one of the biggest demons that the world faces today
      Read more
      What are the Factors Affecting Health Insurance Premium?

      20 Dec 2022

      Demand for insurance products in India, especially health
      Read more
      What are the Normal Thyroid Stimulating Hormone (TSH) Levels as Per Age?
      The thyroid gland is an important gland responsible to produce the right amount of hormones for normal body
      Read more
      How to Apply for Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (PM-JAY)?
      Ayushman Bharat Yojana is a flagship health insurance scheme launched by the Government of India to offer universal
      Read more
      Income Tax Slab for Women: Guide to Exemptions and Rebates
      In India, every person who earns beyond a certain limit is liable to pay income tax to the government. The tax
      Read more
      Best Health Insurance Plans for Senior Citizens in 2023
      Senior citizens are the most prone to diseases. Considering the medical inflation in India, buying health insurance
      Read more
      10 Major Benefits of Ayushman Bharat Yojana
      Pradhan Mantri Jan Arogya Yojana (PM-JAY) is the second component under Ayushman Bharat Scheme. PM Narendra Modi
      Read more

      top
      Close
      Download the Policybazaar app
      to manage all your insurance needs.
      INSTALL