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About Arogya Sanjeevani

    Arogya Sanjeevani Policy is a Standard Health Insurance that provides financial protection against the unforeseen medical contingencies. The plan offers flexibility to choose from multiple Sum Insured options and offers Premium payment in monthly, quarterly, half yearly and yearly modes. The plan is available in Individual and Family Floater options and the entire family can be covered under a single plan

Key Benefits:

  • Family Cover: Covers entire family including parents-in-law
  • No Health Check-up: No pre-policy health check-up before 50 years of age
  • Family Discount: Discount of 5% for 3-5 members, 7% for 6-7 members, 10% for > 7 members
  • No Sub limits on AYUSH Coverage
  • Tax Exemption under Section 80D of Income Tax Act
  • Cashless treatment facility at 8200+ hospitals

What Does Arogya Sanjeevani Cover?

Table of covers
Hospitalisation Expenses
Other Expenses
  • Dental Treatment necessitated due to disease or injury
  • Plastic Surgery, necessitated due to disease or injury
  • Day care treatments
  • Road Ambulance - max. upto Rs.2000/- per hospitalisation
Covered without Sublimits for Inpatient hospitalisation
upto 30 days
Post- Hospitalisation
upto 60 days
Sublimit / Co-Payment
Room Limits
2% of SI subject to a maximum of Rs.5000/- per day
5% of SI subject to a maximum of Rs.10000/- per day
5% on every admissible claim
Cataract Surgery
upto 25% of SI or Rs.40,000/- whichever is lower, per each eye in one policy year
Disease Specific limits - either as IP or as day care treatment
  • upto 50% of SI
  • Uterine Artery Embolization and HIFU (High intensity focused ultrasound)
  • Balloon Sinuplasty
  • Deep Brain Stimulation
  • Oral chemotherap
  • 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 haematological conditions to be covered
Renewal Benefits
Cumulative Bonus
5% - 50%

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