Arogya Sanjeevani Health Insurance

Arogya Sanjeevani Health Insurance Policy is a standardised health plan designed to make quality healthcare accessible and affordable for everyone.

This policy is introduced under IRDAI guidelines and offers essential coverage for hospitalisation, treatment, and medical expenses at a reasonable premium. Its simple features and coverage make it an ideal choice for first-time buyers or those seeking a basic yet comprehensive health cover.

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.

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.

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.

Disclaimer: Some additional documents may be requested based on individual circumstances, policy terms, and underwriting guidelines. Please consult with the insurance provider before buying.

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.