TATA AIG Arogya Sanjeevani Policy

TATA AIG General Insurance Company provides Arogya Sanjeevani policy based on the IRDAI guidelines. It is a comprehensive health insurance plan that can be purchased at an affordable premium. The features and coverage benefits of this plan are given below.

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TATA AIG 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

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    TATA AIG Arogya Sanjeevani Policy- Eligibility Criteria

    The Arogya Sanjeevani health scheme covers modern treatment expenses and all the day-care procedures. Moreover, health insurance coverage is available on a family floater and individual basis. Arogya Sanjeevani policy is suitable for those who are looking for a cost-effective health plan during the COVID-19 pandemic.

    Eligibility Criteria



    Sum Insured

    Rs 50,000 to Rs 10 lakh

    Entry Age Criteria

    18-65 years

    Dependent Children

    3 months-25 years



    Coverage Type

    Individual/Family Floater

    Cumulative Bonus

    5%-50%% for claim-free year

    Key Features of TATA AIG Arogya Sanjeevani Policy

    Tata AIG Arogya Sanjeevani policy offers the following features and benefits to the insured:

    • Anyone between the age group of 18-65 years can get insurance cover including dependent children from 3 months to 25 years
    • The policy tenure option is 1-year and the coverage is available on both individual and family floater basis
    • The family members that can be covered include spouse, children, parents, and parents-in-law
    • The policy is renewable for lifelong
    • The best part is that the policy premium can be paid in installments
    • Pre-medical screening is only required for people above the age of 45-years
    • Tax benefits under the Section 80D are provided on the premium paid

    Inclusions of TATA AIG Arogya Sanjeevani Policy

    TATA AIG Arogya Sanjeevani policy covers the following expenses during the policy term:

    • Expenses incurred on Cataract treatment are payable up to Rs 40,000 or up to 25% of the coverage amount
    • Ayush treatment charges for Ayurveda, Homeopathy, Unani, Yoga, Siddha, and Naturopathy treatment up to the sum insured limit
    • The policy covers room rent, boarding, and nursing charges equal to 2% of the sum insured or Rs 5000
    • The insured can file a claim for Intensive Care Unit (ICU)/Intensive Critical Care Unit (ICCU) expenses. The limit is up to Rs 10,000 or 5% of the coverage amount per day
    • Modern treatment expenses ranging from oral chemotherapy, robotic surgeries, stem cell therapy, to balloon sinuplasty
    • All the daycare procedures are payable under this health plan

    Exclusions of TATA AIG Arogya Sanjeevani Policy

    Claims filed for the medical expenses arising due to the following situations are not covered:

    • Pre-existing disease until the completion of 48 months of the waiting period
    • Specific diseases till the waiting period of 24 months is over
    • Any medical emergency arising out of war, and related incidents are excluded
    • The policy excludes the expenses incurred OPD charges and domiciliary or home treatment
    • Treatment for Obesity/ Weight Control are excluded as well
    • Rest Cure, rehabilitation, and respite care expenses are not covered
    • Adventure and hazardous sports-related hospitalization expenses are also not covered

    To know more about TATA AIG Arogya Sanjeevani policy you can write to us at care@policybazaar.com or speak to us at 1800-708-8787.

    How to file Health Insurance Claim for TATA AIG Arogya Sanjeevani Policy?

    The process to file cashless and reimbursement claims for Arogya Sanjeevani policy are given below:

    Reimbursement Claims:

    In cases of emergency hospitalization you need to inform the Tata AIG Health Insurance Company for claim reimbursement:

    • Pre-hospitalization reimbursement- File the claim within 30-days of getting discharged from the hospital
    • Post-hospitalization reimbursement- File the claim within 15-days of availing of hospital treatment

    Cashless Claims:

    • For hospitalization in TATA AIG network hospitals, you can file cashless health claims
    • To start the process, you need to fill the TATA AIG cashless health insurance claim form. You can take this from form the TPA at the network hospital
    • This form will be sent to the TATA AIG General Insurance Company/TPA for authorization. After the verification, a pre-authorization letter will be issued to the hospital by the Insurer’s TPA
    • Once it’s done you need to sign and verify the hospital discharge papers
    • The TPA/Insurance Company holds the right to accept or deny the pre-authorization in case some medical bills/documents are pending
    • You can file a reimbursement claim if the cashless claim is not accepted

    For more details, you can speak to the insurer or call us at 1800-708-8787 or write to us at care@policybazaar.com


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