Arogya Sanjeevani Health Insurance Policy Details: Eligibility, Coverage, And Benefits

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Arogya Sanjeevani Policy, Navi General Insurance Limited


Policy Wording

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List of Excluded Items

Few Frequently Asked Questions about health insurance:

  • Is Arogya Sanjeevani policy cashless?

    One of the prime benefits of the Arogya Sanjeevani policy is that the beneficiaries under this policy will also have the facility of availing of cashless claims. This facility is available for admission and treatment at any hospital among more than 10,000 network hospitals that are empanelled with the insurance company across India. The room rent, nursing expenses, Intensive Care Unit (ICU) or Critical Care Unit (CCU), and ambulance charges are covered up to the specified limit. The Arogya Sanjeevani policy ensures easy and hassle-free payment to or at the hospitals that are a part of the network by eliminating the need for filing for a reimbursement claim with the insurer/TPA. Instead, the medical bills are paid by the insurer directly to the hospital itself!

  • Who are not eligible in a family for Arogya Sanjeevani?

    The eligibility criteria for the Arogya Sanjeevani policy are quite straightforward. The beneficiary must be an adult, i.e., above the age of 18 years and below the age of 65 years, if you wish to buy an individual policy. However, dependent children can be included in your family floater insurance plan wherein children from the age of 3 months to 25 years can be beneficiaries under this policy too. Apart from children, you may also add your spouse, parents, or parents-in-law as the beneficiary under the policy

  • How can I buy the Arogya Sanjeevani policy?

    The Arogya Sanjeevani policy is a health insurance policy that has been approved by the IRDAI for sale by all insurance companies in India. Though, it is not a government-sponsored scheme or insurance. Therefore, every private or public general insurance provider has been granted the freedom to sell this insurance policy to any customer that desires it. Therefore, for a customer to avail of this plan, he can purchase it from a general health insurance provider of his preference subject to eligibility criteria, guidelines, and payment of specified premium.

  • Arogya Sanjeevani Policy Renewal?

    The Arogya Sanjeevani policy has an initial tenure of 1 year. However, this does not mean that you cannot renew your policy. The Arogya Sanjeevani policy can be renewed every. Simply contact your insurance policy provider and discuss with them the complete process of extending your tenure under the Arogya Sanjeevani insurance policy.

  • How to buy Arogya Sanjeevani Policy?

    Anybody willing or wanting to buy the Arogya Sanjeevani policy can simply contact a general health insurance provider of his/her choice and choose the coverage plan, which can extend up to 10 lakhs. Since this insurance policy has been approved by the IRDAI (Insurance Regulatory and Development Authority), it has been made available to the public through general health insurance providers. This, however, does not mean that the insurance policy is a government-sponsored policy, and anyone seeking to buy this for themselves will be responsible for the payment of the premium.

  • What is covered under Arogya Sanjeevani Health Insurance Policy?

    The Arogya Sanjeevani Health Insurance Policy is a general health insurance policy that offers health insurance coverage of up to Rs. 10 lakhs. The insurance policy offers the facility of cashless treatment at over 10,500 network hospitals across the country. Treatment for COVID-19 is included in this policy along with hospitalization expenses such as nursing care, Intensive Care Unit (ICU), Critical Care Unit (CCU), room rent, pre and post hospitalization expenses, pre-existing illnesses (after waiting period), day-care treatments, innovative and modern treatments, ambulance charges, Cataract surgery, AYUSH Treatments, inpatient dental surgery, and plastic surgery in case accident and illness. All these events and costs are covered within your Arogya Sanjeevani Health Insurance Policy subject to the prevailing terms and conditions.

  • Who should buy the Arogya Sanjeevani Policy?

    The Arogya Sanjeevani Health Insurance Policy is especially directed at the younger generation of Indians who will be investing in an insurance plan for the first time in their lives. The insurance coverage under the policy has been standardized across all general health insurance providers. Moreover, since the premium is comparatively low and the maximum coverage available is Rs. 10 lakh, subscribers of this health plan will be sufficiently insured in the event of any health emergency. Every person wishing to invest in the Arogya Sanjeevani Health Insurance Policy must also consider the long-term perspective if he or she wishes to continue renewing the insurance tenure.

  • What is the policy tenure of Arogya Sanjeevani Policy?

    The default tenure offered by the Arogya Sanjeevani Health Insurance Policy is 1 year. However, buyers must note that there is no renewal cap on the policy. Therefore, the insured person (s) can continue to renew his or her policy for the rest of life.

  • Are there any plan variants under the Arogya Sanjeevani Policy?

    Yes, there are plan variants under the Arogya Sanjeevani Policy. There are 3 plan variants under this policy -
    Individual Plan:- In the individual plan, only one person can be listed as the beneficiary, and this person is the policyholder. No insurance coverage extends to the family of this beneficiary in the event of any health emergency.
    Family Non-Floater Plan:- In the Family Non- Floater Plan, the policy holder’s family (parents, parents-in-law, children, and spouse) can also be listed as beneficiaries of the plan and all the beneficiaries will have separate coverage amount.
    Family Floater Plan:- In the Family Floater Plan, the policy holder’s family can be covered as beneficiaries of the plan, but the coverage amount will be shared across all the beneficiaries.

  • Is Coronavirus covered under Arogya Sanjeevani Policy?

    Yes, treatment for Coronavirus or COVID-19 is covered in the Arogya Sanjeevani Policy. This general health insurance policy offers insurance coverage for hospitalization as well as inpatient treatment cost for COVID-19 or coronavirus-related hospitalization, as long as the beneficiary or the policyholder has held the insurance policy for at least 30 days prior to claiming the insurance coverage. Along with insurance coverage for Coronavirus or COVID-19 hospitalization and treatment, the insurance policy also covers medical expenses which have been incurred 30 days before and 60 days after the policyholder or beneficiary’s hospitalization (longer than 24 hours).

  • Can NRIs buy Arogya Sanjeevani Policy?

    Yes, Non-Residential Indians or NRIs are eligible to buy the Arogya Sanjeevani Policy. The only factor that must be remembered is that all transactions related to the Arogya Sanjeevani General Health Insurance Policy will take place in Indian Currency, i.e., INR. Moreover, the policyholder must be residing in India at the time of the purchase of the policy and must make the transactions through an Indian Bank Account.

  • Can I opt for a higher sum insured than the maximum limit under this policy?

    No, you cannot opt for a higher sum insured than the maximum limit under this Arogya Sanjeevani Insurance Policy. However, the maximum limit of the Arogya Sanjeevani policy has recently increased from Rs. 5 lakh to double that amount, to Rs. 10 lakh.

  • Are pre-existing diseases covered under Arogya Sanjeevani Insurance Policy?

    As per the terms of the Arogya Sanjeevani Insurance Policy, if the proposal for health insurance is accepted by the insurance company then pre-existing condition, ailment or injury or any such related condition that the policyholder or beneficiary has already been diagnosed for and treated for, prior to the commencement of the Arogya Sanjeevani General Health Insurance Policy will be covered after 48 months from the first commencement of the insurance policy provided the policyholder has consistently renewed this policy for 4 years,.

  • Does Arogya Sanjeevani Insurance offer a free-look period?

    Yes, Arogya Sanjeevani Insurance Policy does offer a free look period. Under the terms of the Arogya Sanjeevani General Health Insurance Policy, the policyholder can cancel Arogya Sanjeevani Insurance Policy as long as the date of request for cancellation falls within 15 days of receipt of the policy document by insured. This period is referred to as the free-look period, and a provision for it can go a long way in making the correct general health insurance choice that will prove to be beneficial not only for you but also for your family in the long run.

  • How many family members are covered in this policy?

    There are two policy variants under the Arogya Sanjeevani Policy – the first one is the individual plan wherein only the policyholder will be considered the beneficiary of any insurance coverage. The second variant is called the Family Floater plan, wherein the policyholder will have to pay a single premium to extend the insurance coverage to the spouse, parents, parents–in–law, and children. Therefore, if the added beneficiaries under the family floater plan are dependants on the policyholder or their children, they can be covered under this policy.

  • What is Arogya Sanjeevani Policy?

    Medical expenses can turn out to be an exacting affair; however, moving ahead in a planned manner can reduce the burden with the additional reward of secure and smooth-running financial support during medical emergencies. Aiding the scheme of providing pocket-friendly and affordable treatment expenses for any medical emergency, the Insurance Regulatory and Development Authority of India (IRDAI) introduced a Standard Health Insurance, the Arogya Sanjeevani Policy. Arogya Sanjeevani scheme is designed to provide the flexibility of a basic and standard health insurance plan for families and individuals. Arogya Sanjeevani health insurance policy is a basic health insurance plan aimed at covering the medical expenses along with the added benefits of Hospitalisation Expenses (both pre and post expenses), Day Care Procedures, Ambulance Charges, and several other expenses to provide much needed financial support for you and your family during medical emergencies.

  • New-Age/ Modern Treatments Covered Under Arogya Sanjeevani Policy?

    In addition to backing up the traditional treatments, Arogya Sanjeevani health insurance policy brings forth the added benefit of providing proper coverage on the expenses incurred during modern treatments. Therefore, the Sanjeevani policy is the perfect deal for anyone looking forward to availing of any of these following 12 New-Age/ Modern Treatments.
    ● Uterine Artery Embolization and HIFU (High intensity focused ultrasound)
    ● Stem cell therapy: Hematopoietic stem cells for bone marrow transplant for haematological conditions to be covered.
    ● Bronchial Thermoplasty J. Vaporisation of the prostrate (Green laser treatment or holmium laser treatment)
    ● Deep Brain stimulation
    ● Oral chemotherapy immunotherapy monoclonal
    ● Balloon Sinuplasty
    ● Immunotherapy Monoclonal Antibody to be given as an injection
    ● Robotic surgeries
    ● Intravitreal injections
    ● Stereotactic radio surgeries
    ● IONM - (Intra Operative Neuro Monitoring)
    Please note: The following services are included for up to 50% of Sum Insured, covered under the day-care or inpatient treatment, as specified under the policy schedule.

  • Benefits of Arogya Sanjeevani Policy

    Introduced with the prime aim of simplifying the health insurance policy and plans, the Arogya Sanjeevani Policy dispenses a basic and standard medical insurance scheme that works to secure elemental support and assurance for all income groups of society. In addition, the Arogya Sanjeevani health insurance allocates several benefits under the policy:
    ● Economical Premiums: Resolving the problem of expensive premiums, the Arogya Sanjeevani Policy is designed to offer affordable and budget-friendly premium schemes. In fact, in comparison to other health insurance schemes, the Arogya Sanjeevani health insurance policy can be availed at low premiums.
    ● Cumulative Bonus: Arogya Sanjeevani Policy, rewards a bonus of Sum Insured by 5% for each claim-free policy year.
    ● Income Tax Benefit, Reasonable Co-payment option, and easy accessibility with zero confusion is also the additional benefits of Arogya Sanjeevani health insurance plans.

  • Features of Arogya Sanjeevani Policy

    A number of features are encompassed under the Arogya Sanjeevani Policy, such as: Affordable and economical in comparison to other health insurance schemes
    ● Two types of policies, that is, Plans and schemes available for the family (Self, Spouse, Parents, Parents-in-law, Dependent Children (any number and of age 3 months to 25 years) as well as individual Sum insured basis.
    ● Coverages such as pre and post Hospitalisation Expenses, Day Care Treatment, Modern Treatment Procedures, AYUSH Treatment, Ambulance charges, Cumulative bonus, Cataract Treatment, and Co-Payment are included under the Arogya Sanjeevani Policy.

  • Is Arogya Sanjeevani policy good?

    Arogya Sanjeevani policy is a good insurance plan introduced by IDRAI. The primary aim of the Arogya Sanjeevani policy is to simplify the financial complexities during medical emergencies. The Sanjeevani policy brings about a basic and standard health insurance policy for you and your family, with innumerable befits such as affordability, comprehensive coverage, flexibility, easy renewals, and all this with easy accessibility to all groups of the society.

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Navi General Insurance Limited
IRDAI Registration No: 155 | CIN: U66000KA2016PLC148551