Arogya Sanjeevani Policy

What is the Arogya Sanjeevani Policy?

Arogya Sanjeevani Policy is an indemnity health insurance policy that provides comprehensive coverage for hospitalization expenses, including room rent, nursing charges, ICU charges, doctor consultation fees and other related costs. It is available for a minimum sum insured of ₹50,000 to a maximum of ₹5 lakh and above, depending on the insurer. The policy is designed to take care of the basic health needs of people with standard coverage and seamless portability.

The Insurance Regulatory and Development Authority of India (IRDAI) has mandated all general and standalone health insurers to offer the Arogya Sanjeevani policy with basic mandatory covers to individuals as well as families.

Features of Arogya Sanjeevani Policy

List of Arogya Sanjeevani Policies in India

Take a look at the Arogya Sanjeevani policies offered by various health insurance companies in India:

*Disclaimer: The list mentioned is according to the alphabetical order of the insurance companies. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. This list of plans listed here comprise of insurance products offered by all the insurance partners of Policybazaar. For complete list of insurers in India, refer to the Insurance Regulatory and Development Authority of India website www.irdai.gov.in.

Benefits of Arogya Sanjeevani Policy

Here are the key benefits of buying an Arogya Sanjeevani policy:

• More Affordable – Arogya Sanjeevani policy is more affordable than other mediclaim policies, as it aims to meet the basic healthcare needs of all citizens of India.
• No More Confusion - It eliminates any confusion that may arise in the minds of a policyholder while buying health insurance, as the same level of coverage and the terms & conditions apply to this policy offered by all insurance companies in India.
• Cumulative Bonus - The Arogya Sanjeevani plan rewards a cumulative bonus of 5% on the sum insured amount for up to 50% on every claim-free year.
• Boon for First-Time Buyers - This is the perfect stepping stone for first-time buyers of medical insurance, as they can get a wide range of essential coverage at minimal cost.
• Seamless Portability – Porting an Arogya Sanjeevni policy from one insurer to another is hassle-free, as the coverage is standard across all plans.
• Tax Benefits – All Arogya Sanjeevani policies are eligible for tax deductions under Section 80D, Income Tax Act.

What is Covered by Arogya Sanjeevani Policy?

An Arogya Sanjeevani policy covers the following medical expenses:

• In-patient Hospitalization - It covers the cost of hospital stays of over 24 hours, including room rent, nursing and boarding charges, for up to 2% of the sum insured and a maximum of ₹5000 per day.
• ICU/ICCU Charges - It pays for the charges incurred while staying in the ICU (Intensive Care Unit) or ICCU (Intensive Coronary Care Unit) for up to 5% of the sum insured and a maximum of ₹10,000 per day.
• Pre-Hospitalization Expenses - It pays for the medical costs incurred for up to 30 days before hospital admission.
• Post-Hospitalization Expenses - It covers the medical costs for up to 60 days after being discharged from the hospital.
• COVID-19 Cover - It pays for any medical expenses incurred on hospitalization resulting from COVID-19 or the coronavirus disease.
• AYUSH Benefit - It covers hospitalization expenses incurred on obtaining alternative treatments, such as Ayurveda, Homeopathy, Siddha, Unani and Yoga, at an AYUSH-approved hospital.
• Road Ambulance Services - It covers the cost of availing road ambulance services for up to a maximum of ₹2,000 per hospitalization.
• Day Care Treatment - It covers the medical expenses incurred on obtaining any day care treatment or procedure.
• Plastic Surgery - It pays for the cost of plastic surgery resulting from a disease or injury.
• Dental Treatment - It covers the cost of dental treatments taken because of an illness or injury.
• Cataract Surgery - It covers the cost of cataract surgery for up to a maximum of ₹40,000 or 25% of the sum insured amount, whichever is less.
• Modern Treatment - It covers the cost of obtaining new age or modern treatments for up to 50% of the sum insured amount.

What is Not Covered by Arogya Sanjeevani Policy?

The Arogya Sanjeevani plan does not cover the following treatments or situations:

• Diagnostic or Investigative Tests - It will not cover the expenses incurred on any diagnostic or investigative tests.
• Bed Rest or Rehabilitation Expenses - It will not cover any expenses incurred due to enforced bed rest in the absence of treatment or rehabilitation needs.
• Weight Control/ Obesity Treatments - Any expenses arising out of treatments taken for obesity or weight management will not be covered.
• Gender Change Treatments - It will not cover the cost of any treatments obtained for changing gender.
• Cosmetic or Plastic Surgery - Any expenses incurred on obtaining cosmetic or plastic surgery that do not result from an accident, cancer, burn injury, etc. will not be covered.
• Maternity Expenses - It will not cover the medical costs resulting from pregnancy and childbirth.
• OPD Treatments - It will not cover the cost of any OPD or outpatient treatments taken by the policyholder.
• Adventure/ Hazardous Sports – It does not cover any medical treatments resulting from participation in a hazardous or adventure sport, such as rock climbing, sky diving, para-jumping, deep-sea diving, mountaineering, etc.
• Breach of Law - It will not cover any medical expenses incurred due to breaching the law with a criminal intention.
• Alcohol/ Drug addiction - Any expenses arising out of obtaining treatment for addiction to alcohol or drug or substance abuse will not be covered.
• Dietary Supplements - It will not cover the cost of purchasing any dietary substance or supplements, such as minerals, vitamins, etc., without a prescription.
• Unproven Treatment - It will not cover the cost of any unproven treatment taken by the policyholder.
• Infertility and Sterility - It will not cover any medical expenses arising out of infertility treatments or sterility.
• Domiciliary Hospitalization - Any medical expenses arising out of domiciliary hospitalization will not be covered.
• Nuclear Attack or War - It will not cover any claims arising out of a nuclear attack or a war/war-like situation.
• Treatment Outside India - It will not cover the expenses incurred on receiving medical treatments outside India.

Eligibility Criteria for Arogya Sanjeevani Policy

Check out the eligibility criteria to buy an Arogya Sanjeevani policy:

How to Buy an Arogya Sanjeevani Policy?

Follow the steps given below to buy an Arogya Sanjeevani policy online:

Step 1: Visit policybazaar.com and click on 'Health Insurance'

Step 2: Select your gender, the family members to be insured and enter their ages

Step 3: Provide your city of residence or your pin code and your name & contact number

Step 4: Choose if you have any existing illness and if you have corporate health insurance

Step 5: Pick the Arogya Sanjeevani policy you want to buy from the list of plans

Step 6: Fill up the proposal form with the required details and pay the premium online

Your Arogya Sanjeevani Policy will be issued online and the policy document will be sent to you.

FAQs About Arogya Sanjeevani Policy