Digit Arogya Sanjeevani Policy

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*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

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      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.

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      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



      Entry Age

      18-60 years

      Sum Insured

      Rs 3 lakh- Rs 5 lakh



      Coverage Type

      Individual/Family Floater

      Cumulative Bonus

      5% for claim free year

      COVID-19 Protection Cover



      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


      Rs 2,414

      Rs 2,810


      Rs 2,503

      Rs 2,914


      Rs 2,803

      Rs 3,263


      Rs 3,702

      Rs 4,317


      Rs 4,698

      Rs 5,468


      Rs 6,208

      Rs 7,226


      Rs 8,420

      Rs 9,800


      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


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