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Arogya Sanjeevani Health Insurance Policy in India 2025
In a world where medical expenses can soar unexpectedly, the Arogya Sanjeevani Health Insurance Policy emerges as a lifesaver. It is simple, affordable, and comprehensive! 🤩
Whether it’s unexpected surgery, ambulance charges, or daycare treatments, Arogya Sanjeevani ensures you get quality healthcare without breaking the bank.
If you’re looking for an all-around health coverage plan that offers peace of mind, this policy might just be the perfect fit. Explore its benefits and why it’s a smart choice for every Indian household!
Table of Contents
What is Arogya Sanjeevani Health Insurance Policy?
The Arogya Sanjeevani Policy is a basic health insurance plan that covers hospitalisation and medical costs up to Rs. 3 crores. All health insurers are required by the Insurance Regulatory and Development Authority of India (IRDAI) has requested all health insurance providers to develop a basic and standard health insurance policy for both individuals and families.
All general and health insurance providers in India provide the Arogya Sanjeevani Health Policy, which has a number of advantages. It covers pre and post-hospitalisation costs, such as those for beds, nurses, intensive care units, and doctor consultations.
In the event of a medical emergency, Arogya Sanjeevani Health Insurance shields you and your loved ones from the financial strain.
Types of Plans under the Arogya Sanjeevani Insurance Policy
Individual Health Insurance Plan: Under this plan, only 1 policyholder is the beneficiary.
Family Floater Plan: In this plan, entire family members can avail the benefits of the Arogya Sanjeevani Policy. The policyholder can include dependents, such as spouse, children, parents & parents-in-law in a single policy.
What is the Significance of the Arogya Sanjeevani Health Insurance policy?
If you’re someone who’s often felt boggled down, and confused over all the varying health insurances online, you’re not alone. That’s why, The Arogya Sanjeevani Health Insurance was launched by the IRDAI, as an approach to simplifying health insurance by providing a basic, standard plan that will be offered by all health insurance companies, with similar benefits.
Perhaps the only thing that differentiates one from another, is the service offered by each health insurance provider during the buying and claim process, the cashless hospitals available in each insurer’s network, and the Arogya Sanjeevani policy premium.
Why Should You Buy the Arogya Sanjeevani Policy?
As discussed above, the Arogya Sanjeevani health insurance policy is a standard health insurance designed by IRDAI to offer affordable and comprehensive medical coverage to individuals and families. Here’s why you should consider buying it:
What's Great About an Arogya Sanjeevani Policy by Digit?
What’s Covered Under Arogya Sanjeevani Health Insurance Policy by Digit?
Knowing the coverage provided by your Digit’s Arogya Sanjeevani Health Insurance is crucial. The coverage of your Arogya Sanjeevani Policy is as follows.
Hospitalization Expenses
This includes all pre and post-hospitalisation expenses (diagnostics, doctor charges, operation costs, hospital stay, medicines, etc) incurred due to an illness or accident for 30 days before and 60 days after hospitalisation.
Cumulative Bonus
Even if you don’t make any claim during the year, you have nothing to lose! For every claim free year, get rewarded with a 5% bonus in your sum insured!
Room Rent
When you get hospitalised, there are different hospital rooms you can choose from. With this policy, you can choose any room you like as long as it is up to Rs 5,000/day.
ICU/ICCU
Expenses incurred on ICU and ICCU facilities for up to 5% of the maximum sum insured or ₹10,000 per day is covered.
Ambulance Services
Ambulance charges with a maximum cap of ₹2,000 per hospitalisation are included in the policy.
Plastic Surgery and Dental Treatments
Plastic surgery or dental treatments necessitated owing to an injury, or a disease are covered.
Cataract Surgery
Expenses incurred towards cataract surgeries are covered. You can avail coverage of up to ₹40,000 or 25% of the total sum insured, whichever is lower.
New Age Treatments
Modern treatments, including Balloon Sinuplasty, Immunotherapy, and Stem Cell Therapy, amongst many other treatments (see list below) can be covered to up to 50% of your sum insured.
AYUSH
Many seniors prefer opting for alternative treatments. This policy covers those treatments if done in certified hospitals of Ayurveda, Unani, Siddha and/or Homoeopathy.
What’s Not Covered Under Arogya Sanjeevani?
Along with the inclusions, there are certain exclusions of the Arogya Sanjeevani policy that are not covered. Here are certain coverages that are not provided under this policy:
- Any hospitalisation or pre-hospitalisation expenses not related to the medical claim made will not be covered.
- Obesity or weight control-related surgeries not related to any co-morbidities will not be covered.
- Change of gender treatments are not covered under this policy.
- Cosmetic and plastic surgeries unless for reconstruction following an accident, cancer, or to remove a direct and immediate health risk are not covered.
- The Arogya Sanjeevani Policy does not cover domiciliary care or OPD expenses.
- Claims resulting from committing or attempting to commit a criminal act will not be covered.
- Treatments due to substance abuse are not covered in the Arogya policy.
- Medical expenses relating to participation in hazardous or adventure sports are excluded.
- Maternity related expenses are not part of this policy.
- Sterility and fertility treatments are not covered.
- Treatments without a doctor’s recommendation or not necessitated medically will not be covered.
- The expense related to any treatment during the particular waiting period is not covered.
List of New-Age Treatments Covered in Arogya Sanjeevani Policy
Due to the success of technological improvements in medicine, the following “new-age” procedures will be covered as a part of this policy (for up to 50% of Sum Insured)
Uterine Artery Embolization and HIFU (High intensity focused ultrasound)
Balloon Sinuplasty
Deep Brain stimulation
Oral Chemotherapy
Immunotherapy
Intra vitreal injections
Robotic surgeries
Stereotactic radio surgeries
Bronchial Thermoplasty
Vaporisation of the prostrate (Green laser treatment or holmium laser treatment)
IONM: Intra Operative Neuro Monitoring
Stem cell therapy
Key Features of the Arogya Sanjeevani Policy
Sum Insured |
INR 50,000 to 3 crores* |
Copayment |
5% compulsory copayment |
ICU Expenses |
5% of your sum insured (up to 10,000) |
Room Rent Capping |
2% of your Sum Insured (up to 5,000) |
Cumulative Bonus |
5% extra in your Sum Insured for every claim-free year |
Claim Process |
Digital friendly, no hard copies! |
Options Available |
Family Floater & Individual Policy |
Disclaimer: Digit’s Arogya Sanjeevani Policy has Sum Insured options from as low as ₹50,000 up to ₹3 crores in multiples of ₹50,000.
Benefits of the Arogya Sanjeevani Policy
The Arogya Sanjeevani Policy was introduced to streamline health insurance in India by providing a basic and standard medical insurance plan that is identical in coverage across all reputable health insurance providers. It aims to offer basic indemnity insurance benefits to Indian policyholders from all socio-economic backgrounds.
Examine the following list of benefits that a policyholder can receive under the Arogya Sanjeevani Plan:
Eligibility Criteria for the Arogya Sanjeevani Policy
If you are looking for health insurance, you must meet certain eligibility criteria set by insurers. However, the eligibility criteria might differ from one insurer to another. Here are some general criteria for availing of Arogya Sanjeevani's health insurance policy:
How to Buy Arogya Sanjeevani Policy Online?
Buying an Arogya Sanjeevani Policy online is as easy as ordering your favourite meal. It is quick, hassle-free and easy! Here are the steps for buying Arogya Sanjeevani Policy Online:
Visit Digit
Visit the Digit website or mobile app and open the Arogya Sanjeevani policy page.
Enter Details
Enter your details, such as your name and mobile number.
Get a Call
Once you have shared this information, our customer executive will call you to further process it.
Documents Required to Buy Arogya Sanjeevani Health Insurance
Here is a list of optional documents that can be essential for buying Arogya Sanjeevani policy medical insurance:
Age Proof
×
PAN Card
Voter ID Card
Aadhaar Card
Passport
Driving License
Birth Certificate
Address Proof
×
Driving License
Ration Card
Utility Bills (telephone bills, electricity bills, etc)
Rental Agreement (if applicable)
Identity Proof
×
Passport
Voter ID Card
Driving License
Aadhar Card
Medical Reports (in case asked by the insurance company)
Passport Size Photo
Duly filled signed proposal form
Medical Reports
×
Diagnostic Tests
Doctor’s Report
Disclaimer: Some additional documents may be requested based on individual circumstances, policy terms, and underwriting guidelines. Please consult with the insurance provider before buying.
How to File an Arogya Sanjeevani Health Insurance Claim?
The claim process for Arogya Sanjeevani is the same as any other health insurance claim. To file a claim under Arogya policy, you must first submit the necessary documents. Here are two methods for submitting a claim to your health insurance:
Cashless Claim
Reimbursement Claim
Choose any 9000+ network hospitals at Digit for a cashless claim
Notify us within 24 hours of being admitted to the hospital in case of an emergency or at least two to three days before any scheduled hospitalisation.
Present the e-health card to the hospital's help desk or insurance support desk and get the company's or TPA's pre-approval paperwork.
Complete the form, sign it, and turn it in at the support desk.
If everything is verified, you can proceed with the treatment using the cashless facility.
Who Should Buy the Arogya Sanjeevani Policy?
This policy is a smart choice for anyone seeking affordable, hassle-free, and reliable health insurance with essential coverage. Arogya Sanjeevani is a great choice for:
In a time when medical emergencies can arise without warning, Arogya Sanjeevani Health Insurance Policy stands as a reliable safeguard for you and your loved ones.
Whether you’re taking your first step into health insurance or looking for a simple yet effective policy, Arogya Sanjeevani is a smart and stress-free choice.
FAQs about Arogya Sanjeevani Health Insurance
Download Arogya Sanjeevani Policy Wordings
Arogya Sanjeevani Policy, Go Digit - UIN: GODHLIP24179V022324