New India Arogya Sanjeevani Policy

To simplify health insurance, IRDAI introduced a basic health insurance policy known as Arogya Sanjeevani Health Insurance policy covering the policyholder's basic insurance needs. The New India Arogya Sanjeevani Policy covers new age treatment, hospital room rent, ICU room charges, pre and post-hospitalization. Further, it covers cataract treatment, dental treatment, has flexible payment options and tax benefits.

Read More

New India 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
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

    New India Arogya Sanjeevani Policy: Key Highlights

    Sum Insured

    Rs 1 lakh-5 lakh

    Coverage Type


    Cumulative Bonus


    Medical Check-up

    Not Required


    1 year

    Coverage Offered

    The New India Arogya Sanjeevani Health Insurance offers the following coverage:

    • Pre-hospitalization Cover - Under the plan mentioned earlier, the person insured gets 30 days coverage from the date of hospitalization before being admitted to the hospital.
    • In-patient Treatment- The policyholder provides coverage against in-patient hospitalization, which can be up to a maximum sum insured, i.e., Rs 5 lakh.
    • Post-hospitalization Cover - Under the plan mentioned above, the person insured gets 60 days coverage from the date of hospitalization after being admitted to the hospital.
    • Medical Coverage- The cost of blood, anesthesia, drugs, diagnostic imaging modalities, medicines, diagnostics costs, surgical appliances, oxygen, operation theatre charges, and others are covered in the New India Arogya Sanjeevani
    • Fees Covered- Consultants, Anaesthetists, Specialists, Medical Practitioner, and Surgeons are covered by the insurer.

    Inclusions of New India Arogya Sanjeevani Plan

    Inclusions of New India Arogya Sanjeevani Insurance Policy are as follows:

    • Daily Room Rent- The plan provides coverage against the daily hospital room rent, which is up to a 2% of the sum insured maximum up to a limit of Rs 5000 per day. Boarding and nursing expenditures are inclusive of room rent cover.
    • Co-payment - Under this policy, there is a co-payment of 5% on the total by the policyholder per hospitalization.
    • ICU Charges - The policy provides coverage against ICU expenses, which is up to Rs 10,000 per day or a maximum of 5% on the sum insured.
    • Cumulative Bonus- For every claim-free year, the New India Health Insurance provides a cumulative bonus of 5%, which can be up to a maximum of 50%.

    Exclusions of New India Arogya Sanjeevani Plan

    Following are the exclusions of the online New India Arogya Sanjeevani Policy:

    • Any kind of substance abuse and hospitalization due to the same or curing any additive condition
    • Domiciliary Hospitalization
    • Expenses related to evaluation
    • Expenditures related to diagnosis
    • Gender change treatment
    • Maternity expenditures
    • Nuclear, chemical or biological attack or weapons in a war
    • OPD Treatment
    • Plastic or cosmetic surgery
    • Purchasing of dietary supplements
    • Participation in hazardous activities or breach of law
    • Rehabilitation, rest cure and respite care
    • Treatment outside India
    • Weight control or obesity through surgical treatment
    • Unknown treatment

    *Disclaimer- This list is only indicative and not exhaustive. Insurance companies cover various illnesses under different illness insurance policies 

    Features and Benefits of the New India Arogya Sanjeevani Insurance Policy

    Features and benefits of New India Arogya Sanjeevani Insurance Policy are:

    • AYUSH Benefits- The policy provides coverage against the treatment cost against AYUSH benefits, i.e., non-allopathic treatments like Unani, Ayurveda, Homeopathy, Siddha, etc.
    • Cataract- There is an option under which the plan covers the lower of the below:-
    • 25% of the sum assured or
    • Up to Rs 40,000 for cataract treatment of each eye.
    • Day Care Treatment- The plan covers daycare treatment in which the person insured is hospitalized for less than 24 hours.
    • Dental Treatment - In case of any dental surgery due to illness or injury, the plan covers dental treatment.
    • Emergency Hospitalization- New India Arogya Sanjeevani Health Insurance provides coverage against road ambulance costs for emergency hospitalization. It offers coverage up to Rs 2000 for every hospitalization.
    • Tax Benefits- Under Section 80 D of Income Tax Act, 1961, the policyholder can avail of the premiums paid. 

    Eligibility Criteria

    The minimum eligibility criteria to buy this policy are:

    Minimum Entry Age

    18 years

    Maximum Entry Age

    65 years

    Number of people covered -

    Self, spouse, children, parents and parent-in-laws

    Residential Status

    The policyholder must be a resident or citizen of India.

    Cancellation of Policy

    If the person insured is not satisfied with the terms and conditions of the policy, he/she can cancel or return the policy at any time within 15 days from the starting day of the plan. But the person insured gets all the premiums paid in return after deducting stamp charges and taxes. But no claims should be made in the free-look period.


    Health insurance articles

    Recent Articles
    Popular Articles
    List of Diseases Covered by Bajaj Allianz Health Insurance Plans

    05 Jul 2022

    Barely any person has remained unaffected due to rising health...
    Read more
    Annual Medical Check-ups in Health Insurance

    05 Jul 2022

    Regular health check-ups are important to keep a track of your...
    Read more
    Advantages and Disadvantages of Buying a Health Insurance Policy

    04 Jul 2022

    In India, healthcare is getting expensive with each passing day...
    Read more
    Does Health Insurance Cover Sports & Gym Injuries?

    27 Jun 2022

    Gone are the days when only athletes and professional sports...
    Read more
    Health Insurance for Rural India

    24 Jun 2022

    Healthcare is expensive in India and is increasing with each...
    Read more
    PMJAY Scheme: Ayushman Bharat Yojana Eligibility & Registration Online
    Prime Minister Shri Narendra Modi announced the launch of (PMJAY) Ayushman Bharat Yojana in his Independence...
    Read more
    Best Health Insurance Plans in India 2022
    Finding the best health insurance plan from so many different health insurance companies can get confusing for many...
    Read more
    Best Maternity Insurance Plans
    Maternity insurance offers comprehensive coverage for medical expenses incurred during pregnancy, including the cost...
    Read more
    How to apply for Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (PM-JAY)
    Ayushman Bharat health insurance is a flagship scheme launched by the Government of India, as per the...
    Read more
    Best Health Insurance Plans for Senior Citizens in 2022
    Considering the increase in medical inflation in India, buying adequate health insurance for your loved ones has...
    Read more
    Download the Policybazaar app
    to manage all your insurance needs.