Arogya Sanjeevani Health Insurance

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Arogya Sanjeevani Health Insurance Policy in India 2025

The Arogya Sanjeevani Health Insurance is a standard health insurance plan that covers you for healthcare expenses with a sum insured ranging from 3 lakhs to up to 2 crores. This coverage includes pre and post-hospitalization expenses, hospital room rent (stay and bed charges), ICU services, and even new-age treatments.

With the Arogya Sanjeevani Health Insurance offered by Digit, you can choose between a family floater plan or an individual policy for you and your family.

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.

*Disclaimer - The premium of ₹640/month is calculated for a 30-year-old male with no health conditions for a sum insured of 1 Crore. GST is not included in this premium amount.

Why should you buy the Arogya Sanjeevani Policy?

What's great about a Arogya Sanjeevani Policy by Digit?

Simple online processes - From buying your policy to making claims, everything is easy, quick, paperless, and hassle-free! No hard copies needed!
Sum insured - Customize your sum insured in health insurance based on your requirements!
Covers pandemics like the coronavirus – India is one of worst affected countries when it comes to the COVID-19. We cover the same as part of our health insurance so you needn’t really get a separate coronavirus policy.
Cumulative bonus - Get rewarded for staying healthy! You’ll be eligible for a yearly cumulative bonus for claim-free years.
Get treated at any hospital - Choose from 9000+ of our network hospitals in India for cashless treatment or opt for a reimbursement.
Minimal copayment - During a health insurance claim, you just need to pay 5% of the claim amount from your pocket.
24X7 customer assistance - If you need any help, you can use our 24x7 call facility even on National Holidays
Super easy claims – Our claims process is completely technology-enabled, that’s why claims are not only easy to make but easy to settle too.

What’s covered under Arogya Sanjeevani Health Insurance Policy?

Hospitalization Expenses

This includes all pre- and post-hospitalization 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 hospitalization.

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 hospitalized, 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 total sum insured or ₹10,000 per day is covered.

Ambulance Services

Ambulance charges with a maximum cap of ₹2,000 per hospitalization 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.

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 - Monoclonal Antibody to be given as injection

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: Hematopoietic stem cells for bone marrow transplant for hematological conditions to be covered.

What’s not covered?

Any hospitalization or pre-hospitalization 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.

How to file a Claim?

Reimbursement Claims - Let us know in case of a hospitalization within two days of admission at 1800-258-4242 or email us at healthclaims@godigit.com and we'll send you a link where you can upload your hospital bills and all relevant documents to process the reimbursement.
Cashless Claims - Choose the network hospital. You can find the complete list of network hospitals here. Display e-health card to the hospital helpdesk and ask for the cashless request form. If all is good, your claim will be processed then and there.
If you have claimed for Coronavirus, make sure you have a positive test report from an authorized centre of ICMR – National Institute of Virology, Pune.

Key Features of the Arogya Sanjeevani Policy

Sum Insured	3 lakhs to 2 crores
Copayment	5% compulsory copayment
Premium	Starting from ₹2414 per year*
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 hardcopies!
Options Available	Family Floater & Individual Policy

Standard Benefits of the Arogya Sanjeevani Health Insurance Policy

Who should buy the Arogya Sanjeevani Policy?

First-time health insurance buyers

The Arogya Sanjeevani Policy benefits are almost the same across all insurers and is the most affordable health insurance policy in the market currently. So, if you’re still young and are only just beginning your journey with a health insurance, buying a basic health insurance plan like the Arogya plan for now may be suitable since you are less likely to need a sum insured of more than 5 lakhs and you may not want to spend too much on your health insurance premium just yet.

People looking for COVID-19 protection as a priority

Since the COVID-19 outbreak, people are increasingly looking for a health insurance policy that will cover them if they’re infected with the same. If you too are looking for such a policy, the Arogya Sanjeevani Policy could be a better option given that it costs almost the same as coronavirus specific plans and covers the COVID-19 among other diseases and illnesses too. The best part is it comes with lifelong renewability as compared to individual coronavirus plans that expire in just a few months.

How to buy Arogya Sanjeevani Policy online?

Buying an Arogya Sanjeevani Policy online is a very easy process, as simple as 123:

Step 1: Visit the Digit website or mobile app and on the Arogya Sanjeevani page, enter your mobile number and PIN code.
Step 2: Enter a few details, such as who is included in the policy, birth date, preferred sum insured amount, basic medical info, and contact details.
Step 3: Once you have shared this information, you will get a final quote and you can proceed with the payment. Then, you’ll get the policy in just a few minutes in your inbox.

Renewing your policy is even easier. All you have to do is sign in with your registered mobile number (or policy details), confirm your details, and make the payment. That’s it!

FAQs about Arogya Sanjeevani Health Insurance

All

Is coronavirus covered under the Arogya Sanjeevani health insurance policy?

Yes, the coronavirus will be covered under the hospitalization benefit.

Who can buy the Arogya Sanjeevani policy, Go Digit?

Anyone between the ages of 18 years to 60 years is eligible to buy the Arogya Sanjeevani Health Insurance Policy.

What is the maximum sum insured under the Arogya Sanjeevani policy, GoDigit?

Under the Arogya Sanjeevani Health Insurance Policy GoDigit, you can buy a cover of minimum 3 lakhs, and maximum 2 crores.

What is the difference between an Individual and Family Floater Arogya Sanjeevani policy?

At Digit, the Arogya Sanjeevani policy comes with two options to choose from; you can either protect your entire family with one policy, I.e Family Floater (maximum sum insured of 2 crores) or buy an Individual Policy for each family member. (you can choose between 3 lakhs to 2 crores as Sum Insured)

Is there a waiting period involved for the Arogya Sanjeevani policy?

Yes, there is. The waiting periods in this policy vary on the type of disease: 2 years of specific disease to 3 years for pre-existing disease This means that for certain diseases, you will be covered only when the waiting period specified for the disease has passed. However, the initial waiting period is 30 days.

Can I port my existing policy to Arogya Sanjeevani policy, Go Digit?

Yes, you can!

Do I need to pay from my pocket during claims?

Yes, as per the policy conditions, all Arogya Sanjeevani Health Policies come with a 5% Copayment.

Is there a room rent cap for Arogya Sanjeevani policy?

Yes, whilst the standard room rent allowed is 2% SI, the maximum cap is that of Rs 5,000 per day which is a decent amount considering most hospitals offer good rooms at this price.

Can i extend my coverages than the ones provided?

No, the Arogya Sanjeevani policy only comes with standard benefits included in the plan. There are no add-ons or covers you can opt for.

Can I increase my sum insured beyond the set brackets?

No, as per the terms and conditions of the Arogya Sanjeevani policy, you can choose your sum insured from 3 lakhs to 2 crores only.

Do I have to pay a compulsory copayment?

Yes, as per the terms and conditions of the Arogya Sanjeevani Policy, there is a compulsory copayment of 5% to be paid during claims.

What is the policy tenure of Digit’s Arogya Sanjeevani policy?

The tenure for the Arogya Sanjeevani Policy from Digit is for 1 year. If you want your coverage to continue post this period, you will have to renew your policy.

What is the age limit and eligibility for Arogya Sanjeevani policy by GoDigit?

Yes. Under this policy, the entry age limit for adults is 18 years.

Download Arogya Sanjeevani Policy Wordings

Arogya Sanjeevani Policy, Go Digit - UIN: GODHLIP24179V022324

Click here for Policy wordings | Arogya Sanjeevani policy - Benefit illustration