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!
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:
While new treatments, modern equipment, and innovative procedures improve healthcare quality, they also come with high costs. These expenses are often passed on to patients, leading to increased medical bills, higher hospitalisation charges, and expensive diagnostic tests.
Arogya Sanjeevani is a budget-friendly health insurance plan designed to provide essential medical coverage at reasonable premiums. With sum insured options it ensures that individuals and families can access quality healthcare without financial strain.
This policy covers hospitalisation expenses, including room rent, ICU charges, doctor consultations, and nursing care. It also includes pre-hospitalisation expenses for up to 30 days and post-hospitalisation costs for up to 60 days. Additionally, it also covers daycare treatments.
What's Great About an 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 - Customise your sum insured in health insurance based on your requirements!
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.
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 by Digit?
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
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:
The Arogya Sanjeevani health insurance policy offers a lifetime renewability option if you renew it on time before the policy period ends.
Since this is a basic, standard policy set by the IRDAI, the Arogya Sanjeevani policy premium for the same is comparatively lower than other health insurance policies in the market.
Every health insurance policy comes with independent copayment limitations. This policy has a minimum copayment of 5% only; i.e., during claims, you will have to pay 5% of the expenses out of your pocket.
Since all insurance firms in India provide the same coverage and terms and conditions, any potential uncertainty that might exist in a policyholder's mind is removed.
Similar to other medical insurance plans, the Arogya Sanjeevani Health Plan offers a cumulative bonus of 5% on the total sum covered for each year without a claim.
The Arogya Sanjeevani Health Policy provides a lifetime renewability feature that allows policyholders to extend their coverage for as long as they live.
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:
Disclaimer: Some additional documents may be requested based on individual circumstances, policy terms, and underwriting guidelines. Please consult with the insurance provider before buying.
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:
If you are purchasing health insurance for the first time, this policy provides affordable and standardised coverage without complex terms.
This policy is ideal for those who want essential health coverage at a reasonable cost, including hospitalisation, AYUSH treatments and ambulance services.
With an entry age of up to 65 years, this policy is a good option for older individuals who may not qualify for other private health insurance plans.
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
Is coronavirus covered under the Arogya Sanjeevani health insurance policy?
Yes, the coronavirus is covered under the hospitalisation benefit for Arogya Sanjeevani health insurance policy.
Who can buy the Arogya Sanjeevani policy at Digit?
Anyone is eligible to buy the Arogya Sanjeevani Health Insurance Policy at Digit.
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 a minimum of 50,000 and a maximum of 3 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 3 crores) or buy an Individual Policy for each family member. (you can choose between 50,000 to 3 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: 1-3 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 at Digit?
Yes, you can easily port your existing policy to Arogya Sanjeevani at Digit. Log in to the website, provide your details (phone number and location), and choose the policy port option.
Do I need to pay from my pocket during claims?
Yes, as per the policy conditions, all Arogya Sanjeevani Health Policies require a 5% Copayment, which must be paid out of pocket.
Is there a room rent cap for Arogya Sanjeevani policy?
Yes, while the standard room rent allowed is 2% SI, the maximum cap is Rs 5,000 per day, which is a decent amount considering most hospitals offer good rooms at this price.
Can I extend my coverages to the ones provided?
No, the Arogya Sanjeevani policy only includes standard benefits. You cannot opt for add-ons or covers.
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 50,000 to 3 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 the Arogya Sanjeevani policy by Digit?
Yes. Under this policy, the entry age limit for adults is 18 years.
Can the Arogya Sanjeevani Policy be purchased by NRIs?
Yes, the Arogya Sanjeevani Standard Health Insurance Policy is available to NRIs as well. Despite this, the policy buyer must be in India at the time of purchase and use an Indian bank account to pay the premium in Indian rupees.
Does the Arogya Sanjeevani Insurance Policy cover pre-existing diseases?
Yes, the Arogya Sanjeevani policy covers PEDs after the 3 years of waiting. During this period, no claim can be made.
Is there a free-look period available from Arogya Sanjeevani Insurance?
Yes. A 30-day free-look period is included with the Arogya Sanjeevani Policy. If the policyholder cancels his policy within 30 days of purchasing it, he will not be charged any cancellation fees. However, policy renewals do not qualify for the free-look period.