Liberty Arogya Sanjeevani Policy

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*Tax benefit is subject to changes in tax laws. Standard T&C Apply

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      Liberty Arogya Sanjeevani Policy

      The Arogya Sanjeevani Health Insurance Policy was introduced by the IRDAI on April, 01 2020 to ensure health insurance plans are available to individuals at an affordable premium. Liberty General Insurance provides Aarogya Sanjeevani policy to ensure that you are financially secured at the time of a medical emergency.

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      Arogya Sanjeevani Policy, Liberty General Insurance

      Liberty Arogya Sanjeevani policy is a standard insurance product that offers comprehensive health cover at a nominal premium. With the insurance scheme the insured can pay for hospitalization expenses, daycare treatments, modern medical procedures, coronavirus treatment, Ayush hospitalization, etc.

      Eligibility Criteria



      Entry Age for Adults

      18-65 years

      Entry Age for Children

      3 months- 25 years

      Members Covered


      Sum Insured

      Rs 1 lakh- Rs 5 lakh

      COVID-19  Treatment


      Premium Payment


      Features of Liberty Arogya Sanjeevani Policy

      The key features of Liberty Arogya Sanjeevani policy are given below:

      • Flexible sum insured option- You are privileged to choose sum insured amount ranging from Rs 1 lakh to Rs 5 lakh, in the multiples of Rs 50,000.
      • Plan options-  You can either choose an individual health cover or opt for family floater health insurance coverage option
      • Arogya Sanjeevani Policy premium installations- The best part is that the policy premium can be paid in installments i.e. monthly, quarterly, and semi-annually
      • Lifetime renewal- Once you purchase it, Liberty Arogya Sanjeevani policy remains renewable for lifetime
      • Portability benefits- Before this policy if you were insured under any standard health insurance policy, then the waiting period for pre-existing diseases will be reduced to that extent.

      Inclusions of Liberty Arogya Sanjeevani Policy

      Liberty Arogya Sanjeevani policy provides the following coverage benefits to the policyholder:

      • Hospitalization Expenses-  In this health insurance plan you can claim all the in-patient hospitalization expenses up to 2% of the coverage amount or a maximum of Rs 5000 per day
      • Ayush treatment expenses- There is no sub-limit on Ayush treatment cover and all the expenses are covered including Ayurveda, Homeopathy, Unani, Siddha, and Naturopathy.
      • Cataract Treatment- The limit to claim cataract expense is RS 40,000 or 25% of your insurance amount
      • Daycare Treatments- There is no limitation, you can claim them all
      • Pre-hospitalization expenses- 30 days of pre-hospitalization expenses can be claimed to the insurer
      • Post hospitalization expenses- 60 days of pre-hospitalization expenses can be claimed to the insurer
      • Ambulance Costs- For every hospitalization the limit is Rs 2000
      • Modern Treatment Cover- New age modern treatments cover up to 50% of the sum insured. the list of 12-procedurs is given below:
      • Stereotactic radio surgeries
      • Bronchial Thermoplasty
      • Intra vitreal injections
      • Oral chemotherapy
      • Balloon Sinuplasty
      • Deep Brain stimulation
      • Uterine Artery Embolization/High intensity focused ultrasound tests
      • Stem cell therapy
      • Robotic surgeries
      • Immunotherapy
      • Green laser treatment/ Prostate Vaporization
      • Intra Operative Neuro Monitoring

      Exclusions of Liberty Arogya Sanjeevani Policy

      Liberty Arogya Sanjeevani Policy does not compensate for the following expenses:

      • You  cannot file a claim for any existing illness till your 4-year waiting period is completed
      • Similarly, claims for specific illnesses cannot be claimed until completion of 24 months of the waiting period
      • The policy excludes expenses incurred on domiciliary treatment and OPD charges
      • Another exclusion is treatment for Obesity and weight management
      • War related/adventure sports  related medical emergencies are excluded as well

      Liberty Arogya Sanjeevani Policy Claim Process  

      To file a claim for Liberty Arogya Sanjeevani Policy follow the steps listed below:

      Cashless Treatment Claims

      • Take and fill the cashless hospitalization request form with TPA and submit it to the network hospital
      • Now submit all the required documents like medical bills, diagnostic reports, medical prescription necessitating hospitalization, ID proof, etc.
      • When getting discharged do verify and sign the hospital discharge papers, along with the relevant documents
      • your cashless claim will be processed else you can file for reimbursement also

      Documents Required

      Some of the essential documents include:

      • Diagnostic test during the treatment
        • All the medical bills
        • Hospital Discharge summary
        • MLR and FIR ( as per the case)
        • KYC detail of the claimant if the claim amount is more than Rs 1 lakh

      Claim Reimbursement Process

      In the case of reimbursement, you can first pay the hospitalization expenses. And when you submit all the documents and paperwork is done then you can file for claim reimbursement up to the amount specified in the Arogya Sanjeevani Policy.

      The time frame specified for submitting necessary documents to claim reimbursement is:

      • 30 days from the date of hospital discharge- It applies to pre and in-patient hospitalization expenses, and daycare procedures
      • 15 days of completion of post-hospitalization expenses

      Some of the documents that you will submit for a reimbursement claim are:

      • Signed and filled claim form
      • ID proof of the policyholder
      • Original medical bills
      • Operation theatre notes by the surgeon
      • Doctor’s prescription suggesting hospitalization
      • NEFT details Cancelled cheque
      • Payment receipts
      • Diagnostic reports from before hospitalization, during hospitalization, and after hospitalization

      If you have any queries and want to buy Liberty Arogya Sanjeevani policy you can call our experts at 1800-708-8787 or write to us at .


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      Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.

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