Everything you need to know about Arogya Sanjeevani Policy

Arogya Sanjeevani policy is a new, standard health insurance policy set by the IRDAI from the 1st of April, 2020. Read on to find out all you need to know about the new policy.

Arogya Sanjeevani


Buying health insurance can be confusing at times, simply because of the large number of options available in the market. Today, insurance policies are available with multiple types of coverage and stipulations. Therefore, you may have to spend a considerable amount of time selecting the right option. Moreover, this abundance of options can also cause confusion for the uninitiated customers.

Realizing this gap, the Insurance Regulatory and Development Authority (IRDAI) has instructed general and health Insurance providers to introduce a basic, standard and uniform health insurance product called Arogya Sanjeevani Policy. This makes comparing policies easier for customers as the points of comparison are just the service of the insurance provider during the buying process and the premium rates. Here is everything you need to know about the new health insurance product:

What is the Arogya Sanjeevani Policy?

The Arogya Sanjeevani policy is a standard health product that every general and health insurance provider in the country has to offer, including Navi General Insurance Limited. This insurance policy has been launched on April 1, 2020. The purpose of this plan is to provide financial protection from injuries / illnesses while simplifying the process of purchasing health insurance. IRDAI has mandated every insurance provider to offer exactly the same benefits.

General features

The best way to understand & evaluate a health insurance policy is to have a look at the features it provides. Here are some of the features you can enjoy with the Arogya Sanjeevani Policy.

Age: The Arogya Sanjeevani Policy cuts out any confusion regarding minimum & maximum age requirements. This is because any individual between the age of 18 and 65 years can purchase the Arogya Sanjeevani Policy.

Total sum insured: The minimum and maximum sum insured offered under this policy are Rs. 1,00,000 and Rs. 5,00,000 respectively.

Tenure: The tenure of the Arogya Sanjeevani Policy is 1 year. However, the policy comes with a lifetime renewal option. This ensures that, as long as you renew your policy on time, you can enjoy continued protection & peace of mind!

Premium: We all wish to have more for less, and the Arogya Sanjeevani Policy delivers exactly that! With this plan, you can enjoy a sum assured of Rs. 5 lakh for a reasonably low annual premium! Great, isn’t it?

Co-pay: Co-pay is a cost-sharing feature where the policyholder has to bear a specific percentage of the claim amount. In this case, the policy has copayment of 5% only i.e. during claims you will have to bear 5% of expenses from your pocket.

Cumulative bonus: Most of us do our best to stay fit and remain healthy. This ensures that we rarely have to make a claim against our health insurance policy. Cumulative bonus is a feature that rewards policyholders for not making a claim. It will increase the sum assured of your policy every claimless year. The best part is that your premium will remain the same! Arogya Sanjeevani Policy will reward 5% bonus in your sum insured for every claim free year.


If health insurance is a movie then coverage is the star on the poster. Essentially, coverage is what can convince you to buy a policy. While you may know what the sum insured amounts for Arogya Sanjeevani policy, here are various expenses you are covered for:

Hospitalization expenses – The policy covers expenses arising from hospitalization for at least 24 hours. It also covers pre-hospitalization expenses for a period of 30 days prior to the admission date, and post-hospitalization expenses for a period of 60 days.

AYUSH – Alternative treatments done as an inpatient in AYUSH hospitals are covered too.

Daycare procedures – The policy covers charges for daycare procedures like cataract, etc.

Expenses for dental treatment or cosmetic surgery – Any dental or cosmetic surgery expense that arises due to a disease or injury is covered by Arogya Sanjeevani health insurance.

Ambulance charges – The policy covers the expense for road ambulance up to a limit of INR 2000 per hospitalization.

New Age Treatments – Twelve modern treatments including balloon sinuplasty, immunotherapy and stem cell therapy are covered up to 50% of Sum Insured.

Waiting period

If you are a first-time insurance buyer, a waiting period on health insurance may be a new concept to you. It is essentially the time that insurance policy takes to provide you complete coverage.

In the case of the Arogya Sanjeevani policy, the initial waiting period is of 30 days. This means that the policy will cover every medical expense after 30 days of buying the policy. However, you will receive coverage for any medical need arising out of an accident within the first 30 days as well.

Moreover, specified surgeries and treatments are covered after a waiting period as provided for in the policy terms and conditions. Similarly, coverage for pre-existing illnesses has a waiting period of 48 months from the coverage start date.

Is Arogya Sanjeevani Policy right for you?

The Arogya Sanjeevani Policy provides amazing coverage at affordable prices. It is also easy to understand and extremely straightforward. This makes it perfect for first-time health insurance buyers. It is also well-suited for anyone looking for financial protection without having to deep-dive into the nuances of health insurance.

How to choose the ideal health insurance policy?

We all have our own unique healthcare needs. Therefore, when it comes to health insurance, you cannot have a 'one size fits all' approach. You need to first figure out what you want from a plan, then you need to compare the market thoroughly and you should only purchase a plan if it fits your healthcare needs like a glove on a hand.

However, some good features to look for in health insurance policy include:

-The extent of hospitalization coverage

-Number of network garages


-Daycare coverage

-Pre and post hospitalization features

-Domiciliary hospitalization coverage


If the Arogya Sanjeevani Policy was an ice-cream flavor, it would be vanilla - it's an entry-level health insurance policy, yet it offers substantial coverage too! Better still, it provides a host of features without leaving a hole in your wallet. It is definitely worth considering if you are thinking about getting yourself a health insurance policy; just remember to thoroughly assess your needs before you commit to any plan.

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IRDAI Registration No: 155 | CIN: U66000KA2016PLC148551