Health Insurance 14057 views January 28, 2020

Arogya Sanjeevani Policy

Arogya Sanjeevani Policy Overview

Entary Age(Years)18-65
Sum Insured 1 Lakh-5Lakh
PremiumAs per insurer's discretion
TenureOne year with life time renewal
Add-on'sNot allowed
Co-Pay5% of sum insured
Room ExpensesCapped at 2% of sum insured
Modern treatments50% of the sum insured
Cumulative bonus5% for each claim free year
Sub limits25% for cataract treatment

The IRDAI (Insurance Regulatory and Development Authority of India) has made it mandatory for the health and general insurance providers in India to offer a Standard Health Insurance Product. The name of this standard health insurance product would be “Arogya Sanjeevani Policy- Name of the Insurance provider”. Today, general health insurance policies are highly complicated and are quite different from each other. A common man would be in great confusion to decide which health insurance policy would be a perfect one for him. So, this initiative has been taken by the IRDAI to ensure that common people can select their health insurance policies easily without any confusion.

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What is the Arogya Sanjeevani Policy?

The Arogya Sanjeevani policy helps to provide cover for the basic health needs of the policyholders from 1st April 2020 onwards. In India, mostly all the health insurance policies are valid up to the age of 60 years and might rise to the age of 80 years. However, the Arogya Sanjeevani policy has no age limit and claims can be made throughout the lifetime. Moreover, the Arogya Sanjeevani policy has common wordings of the policy throughout all the industries which reduces the chances of common people getting confused and it has a unique feature of seamless portability.

Eligibility Criteria for the Purchase of Arogya Sanjeevani Policy

The minimum entry age for the Arogya Sanjeevani policy is 18 years whereas the maximum entry age is 65 years of age. The Arogya Sanjeevani policy can be purchased for yourself and your family in the form of a floater plan. The floater plan for the family will include the below-mentioned family members.

  1. Spouse
  2. Parents
  3. Parents-in-laws
  4. Children who are dependent and within the age of 3 years to that of 25 years

Major Features and Benefits of the Arogya Sanjeevani Policy

The major features and benefits which are provided in this policy can be listed below.

Sum Assured

The minimum sum assured for the Arogya Sanjeevani Health Insurance Policy is Rs. 1 lakhs and the maximum sum assured is Rs. 5 lakhs i.e. in the multiple of Rs. 50,000. For individuals, the sum assured will be applicable for one member whereas in a floater plan the sum assured would be applicable for the entire family.

Cashless Hospitalization

The Arogya Sanjeevani policy provides the benefit of cashless hospitalization to the policyholders.

Premium Payment Frequency

The premium for the Arogya Sanjeevani Health Insurance Policy can be paid on a monthly, quarterly, half-yearly and yearly basis. There would be uniform premium pricing for this standard health insurance policy and the premium for the policy would be determined on the PAN India basis and no pricing based on geographic locations would be allowed.


The Arogya Sanjeevani Health Insurance Policy can be renewed throughout the lifetime. There is no particular age for exit from the policy.

Policy Period

The Arogya Sanjeevani Health Plan would be offered for a policy period of one year after which it needs to be renewed.

Pre-Hospitalization and Post-Hospitalization Expenses

This standard health insurance policy provides coverage for pre-hospitalization expenses for 30 days before actual hospitalization. Also, it offers coverage for expenses incurred in post-hospitalization for 60 days from the discharge date.

Ambulance Expenses

The plan also provides coverage for the ambulance expenses incurred up to a limit of Rs. 2000 per hospitalization.

AYUSH Treatment

Under the Arogya Sanjeevani Health Insurance, the expenses incurred for alternate treatment methods i.e. AYUSH which comprises of Ayurveda, Yoga, Unani, Sidha and Homeopathy systems are also provided with coverage.


There are certain sub-limits applicable to the coverage provided such as

ICU or ICCU expenses are covered up to an amount of 5% of the sum assured or it is limited up to Rs. 10,000 in a day.

In case of expenses related to hospitalization such as room, nursing, boarding, etc. coverage is provided up to 2% of the sum assured or up to a maximum amount of Rs. 5,000 per day.

The sub-limit provided for cataract surgery is equivalent to the actual expenses i.e. 25% of the sum assured or Rs. 4 lakhs whichever is less.

Waiting Period

There are two types of waiting periods associated with this Standard health insurance policy.

Diseases such as Cataract and age-related eye illnesses, tympanoplasty, benign ENT disorders, Non-infective arthritis, pilonidal sinus, Gastric ulcer, Gout, Rheumatism, Tonsillectomy, Mastoidectomy, cysts, hydrocele, piles, polyps, spinal diseases except those which are arising from accident, and many more have a waiting period of 24 months.

Diseases like joint replacement treatment unless those arising from an accident, Osteoporosis and age-related Osteoarthritis have a waiting period of 48 months.


A co-pay of 5% on all the claims made is applicable for all the policyholders irrespective of their ages.

No Claim Bonus

In the case of a claim-free policy year, the sum assured is increased by 5% provided the Arogya Sanjeevani Health Insurance is renewed every year continuously for 5 years subject to a maximum of 50% of the sum assured.


The Arogya Sanjeevani Health Insurance can be ported from one insurance provider to another based on the convenience of the policyholder.

Freelook Period

The policyholders would be allowed at least 15 days within which they can review the policy document, analyze the terms and conditions of the policy and cancel the policy if it is unacceptable.

Grace Period

When the policy premium is to be paid yearly, a grace period of 30 days is allowed within which the policyholder has to pay his premium which is due. For the other premium payment modes i.e. monthly, quarterly and half-yearly a grace period of 15 days is allowed.

Exclusions of the Arogya Sanjeevani Policy

The major exclusion of this health insurance policy is maternity expense coverage. Along with it, there are some other treatments which are not covered under the Arogya Sanjeevani policy such as treatments associated with weight loss, plastic surgery, change of gender, any injury or treatment related to participation in adventurous sports, treatment of injuries due to war or breach of the law, etc.

Company that Offer Arogya Sanjeevani Policy

See the complete list of companies that offer Arogya sanjeevani policy

  1. Aditya Birla Arogya Sanjeevani Policy
  2. Acko General Insurance Arogya Sanjeevani Policy
  3. Bharti Axa Arogya Sanjeevani Policy
  4. Bajaj Allianz Arogya Sanjeevani Policy
  5. Care Health Arogya Sanjeevani Policy
  6. Chola MS Arogya Sanjeevani Policy
  7. Future Generali India Arogya Sanjeevani Policy
  8. Edelweiss Arogya Sanjeevani Policy
  9. Go Digit Arogya Sanjeevani Policy
  10. HDFC ERGO Arogya Sanjeevani Policy
  11. Iffco Tokio Arogya Sanjeevani Policy
  12. Kotak Arogya Sanjeevani Policy
  13. Liberty Arogya Sanjeevani Policy
  14. Niva Bupa Arogya Sanjeevani Policy
  15. Manipal Cigna Arogya Sanjeevani Policy
  16. National Arogya Sanjeevani Policy
  17. New India Arogya Sanjeevani Policy
  18. Oriental Arogya Sanjeevani Policy
  19. Reliance General Arogya Sanjeevani Policy
  20. Star Health Arogya Sanjeevani Policy
  21. SBI General Insurance Arogya Sanjeevani Policy
  22. Tata AIG Arogya Sanjeevani Policy
  23. United India Arogya Sanjeevani Policy

Should You Buy the Arogya Sanjeevani Policy?

The major beneficial features of the policy are that its premium would be based on geographic locations and it would help in providing basic health coverage that every common man in India requires. However, there are some loopholes visible such as the co-pay of 5%, the sub-limits on some specific expenses and the restricted sum assured of Rs. 5 lakhs. These features can be the cause of inconvenience among many policyholders. So, it is necessary to do proper research and also keep in mind other health insurance plans which have higher sum assured and no co-pay.


Hence, the Arogya Sanjeevani policy is an excellent initiative for bringing awareness among common people for health insurance. This policy would give the common Indian people a chance to purchase health insurance policy as it is affordable and ensures comprehensive health coverage. We can wait for a few months and then find out the exact benefits and lacuna related to the product once it is launched in April 2020.

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