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

Get insured from the comfort of your home No medicals required

Tell us about you

Digit Arogya Sanjeevani Policy

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

Get insured from the comfort of your home No medicals required
I am a

My name is

My number is

By clicking on 'View Plans' you, agreed to our Privacy Policy and Terms of use
Close
Back
I am a

My name is

My number is

Select Age

City Living in

    Popular Cities

    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

    When did you recover from Covid-19?

    Some plans are available only after a certain time

    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

    Health insurance articles

    Recent Articles
    Popular Articles
    Is Dermatology Covered by Health Insurance Plans?

    21 Oct 2021

    The prevalence of dermatology has risen significantly in India...
    Does Health Insurance Cover Orthopaedic Surgery?

    09 Oct 2021

    Orthopaedic health conditions have become quite common in India...
    Claim Settlement Ratio Vs Incurred Claim Ratio - Know the Difference

    07 Oct 2021

    Every health insurance plan comes with unique benefits to attract...
    What Is The Right Age To Purchase A Health Insurance Policy?

    30 Sep 2021

    Every person must have a health insurance policy to deal with...
    Does Your Health Insurance Remain Valid If You Move Abroad?

    30 Sep 2021

    Health insurance is one of the best investments that you can make...
    Best Health Insurance Plans in India 2021
    Finding the best health insurance plan from so many different health insurance companies can get confusing for many...
    Best Maternity Insurance Plans
    Maternity or pregnancy is an important phase of life, and one needs to prepare in advance to embrace parenthood...
    Top Family Health Insurance Policies in India 2021
    From the air we breathe to the food we eat; everything is intentionally or unintentionally subjected to...
    Health Insurance Claims Ratio- Things You Should Look Before Buying Health Insurance
    There has always been a doubt in customers mind about whether the private company will keep its side of the bargain...
    Best Health Insurance Plans for Senior Citizens in 2021
    Considering the increasing percentage of medical inflation in India, it has become an absolute necessity to buy...
     
    Close
    Download the Policybazaar app
    to manage all your insurance needs.
    INSTALL