Know All About Arogya Sanjeevani Health Insurance Policy
Know All About Arogya Sanjeevani Health Insurance Policy
Posted On : 18 February 2021, 7 Months Ago. Health-Insurance
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About Arogya Sanjeevani Health insurance Policy


As of April 2020, the Insurance Regulatory and Development Authority of India has directed all health and general insurance firms to provide the Aarogya Sanjeevani Policy, which is a regular health insurance policy for individuals and families that covers basic hospitalization-related costs up to Rs 5 lakh, along with hospitalization costs for COVID-19 patients. The regulator has forbidden insurers from implementing deductibles or providing riders and variants with the policy to make it easier to understand for someone who is looking to buy the policy.


Plans Available Under Arogya Sanjeevani Policy


Under the Arogya Sanjeevani policy, there are two types of plans available:


  1. 1.An individual plan where the Sum Insured will be separate for each member.
  2. 2.A family floater plan where Sum Insured will be shared among all members.


Arogya Sanjeevani Policy Premium


This policy is a regular health insurance plan available in India from a number of insurers. The benefits and product features will be same across however the premium will vary for each insurer.

The individual plan start at around Rs. 3000, while Family Floaters two member plan start at around Rs. 4,500. The actual premium will depend on age, Sum Insured chosen and family members covered under the policy. Your chosen insurer's website will have the exact insurance premium chart and prices, as well as other information about your Arogya Sanjeevani Policy.


Arogya Sanjeevani Health Policy Eligibility


The Arogya Sanjeevani Health insurance policy is applicable to everyone between the ages of 18 and 65. You can also include dependent children aged 3 months to 25 years in the policy.

The family members allowed under this policy are self, spouse, children, parents, and parents-in-law. This health insurance policy can be renewed lifelong subject to payment of due renewal premium.


Arogya Sanjeevani Health Policy Coverage


The policy offers coverage across pre- and post-hospitalization, hospitalization, doctors and nurse’s fees, intensive care expenses among a host of other things and medical conditions. Check with your insurance provider for a full list of coverage.


Benefits of Arogya Sanjeevani Policy


1. Hospitalization cover


  • •    Inpatient care at a hospital, including room rent and ICU charges.
  • •    Room rent limits:

a.    Room rent: up to 2% of sum insured subject to a maximum of Rs.5,000 per day.
b.    ICU/ICCU: up to 5% of sum insured subject to a maximum of Rs.10,000 per day.


2. Pre & Post hospitalization


Expenses for Pre hospitalization up to 30 days prior to hospitalization and Post hospitalization up to 60 days post discharge from a hospital will be covered


3. Tax Benefit


If you purchase this health insurance policy, you may claim a tax advantage under section 80D of the Income Tax Act of 1961.


4. Cumulative bonus


Cumulative bonus of 5% in respect of each claim free policy year, maximum up to 50% of sum insured. In case of a claim, the accrued cumulative bonus will be reduced at the same rate.


5. Free Look Period


On Arogya Sanjeevani Policy, you will have a free look-up period. This is the window of opportunity for you to thoroughly review the terms and conditions of your health insurance policy and determine whether or not to retain it. If you want to cancel the contract, you can obtain a refund according to the term and conditions of the policy.


6. Ambulance Costs


Under the Arogya Sanjeevani Policy Road Ambulance charges up to Rs.2,000 per hospitalization is also covered on.




Arogya Sanjeevani Policy is offered by all health and general insurance firms in India, and they offer a range of advantages. It includes hospitalization cover, pre- and post-hospitalization costs, ambulance charges among other items. Arogya Sanjeevani Policy shields you and your loved ones from financial catastrophe in the event of a medical emergency.

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