United India Arogya Sanjeevani Policy offers comprehensive insurance coverage in times of health emergencies. This is a standard policy launched by IRDAI and roll out by all insurance providers across India with common insurance terms.
*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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Type |
Standard Policy |
Coverage Type |
Individual/Floater |
Tenure |
1 year |
Sum Insured |
Up to Rs 5 lakh |
Renewal |
Yearly |
Under United India Arogya Sanjeevani Policy, the Individual and Family Floater options offer sum insured options ranging from Rs 1 lakh to Rs 5 lakh.
The coverage provided is as follows:
Pre-hospitalization- Coverage of medical expenses up to 30 days before admittance in the hospital are covered.
Post-hospitalization- Medical expenses incurred up to 60 days following discharge are covered.
Daycare Treatment- Any medical procedure requiring less than 24 hours of admittance is covered by the policy.
For the following (under daycare or hospitalization), 50% of the sum insured will be offered –
In addition to the aforementioned coverage, the following are included under the United India Arogya Sanjeevani Policy insurance policy:
The following are excluded from the list of coverage as per the terms of United India Arogya Sanjeevani Policy:
*One can refer to the Policy document for a detailed exclusion list.
Features and benefits of the United India Arogya Sanjeevani Policy insurance policy:
Type |
Individual or Family Floater |
Minimum Entry Age |
Children – 3 months (with parental coverage); up to 25 years of age Financially independent children covered separately Adults – 18 years |
Maximum Entry Age |
65 years |
Number of people covered |
Individual, spouse, parents, parents-in-law, dependent children (till the age of 25 years) |
Residential Status |
Residents of India taking treatment within India that is accepted in the Indian medical community |
Cancellation of United India Arogya Sanjeevani Policy Health insurance takes place in the following conditions -