The Arogya Sanjeevani Policy, launched by the Insurance Regulatory and Development Authority of India (IRDAI), is a standardized health insurance plan designed to ensure affordable and transparent healthcare coverage for individuals and families. This policy simplifies health insurance with uniform features and benefits across insurers, eliminating confusion caused by complex terms and varied offerings.
The Arogya Sanjeevani Policy covers hospitalization, pre- and post-hospitalization expenses, and treatments under AYUSH (Ayurveda, Yoga, Unani, Siddha, and Homeopathy), catering to diverse healthcare needs. It ensures financial protection for medical emergencies while promoting access to quality healthcare.
The standardization of benefits ensures that buyers can focus on choosing the best insurer without worrying about inconsistent coverage. Its affordability and simplicity make it an ideal choice for first-time buyers and those seeking reliable health insurance solutions.
Uniform Benefits: Offers the same coverage and features across all insurers.
Wide Sum Insured Range: Coverage from ₹50,000 to ₹10 lakhs.
Modern Treatments: Includes robotic surgeries, oral chemotherapy, and stem cell therapy.
Room Rent Limits: Capped at ₹5,000 per day (regular rooms) and ₹10,000 per day (ICU/ICCU).
No Add-ons or Riders: Ensures clarity and simplicity with predefined benefits.
This policy is designed to provide transparency, making it easier for policyholders to understand and utilize their coverage.
Comprehensive Coverage: This covers hospitalization, pre-and post-treatment expenses, and daycare procedures.
AYUSH Benefits: Includes treatments under Ayurveda, Yoga, Unani, Siddha, and Homeopathy.
Affordability: Cost-effective premiums with significant benefits.
Tax Savings: Premiums are eligible for deductions under Section 80D of the Income Tax Act.
Ease of Purchase: Available online with quick and hassle-free processing.
The standardized nature of this policy ensures that buyers enjoy extensive coverage without worrying about hidden charges or complex terms.
Age Requirements: Adults aged 18–65 years can purchase the policy. Dependent children (3 months to 25 years) are covered under family plans.
Family Coverage: This is available as an individual or family floater plan that covers the individual, spouse, dependent children, and parents.
Medical Tests: Depending on the applicant’s age and medical history, some insurers may require a pre-policy medical screening.
This policy is suitable for anyone seeking reliable health insurance for themselves and their loved ones.
Hospitalization Expenses: Includes room rent, ICU charges, doctor fees, and medical supplies.
Pre and Post-Hospitalization: Covers expenses incurred 30 days before and 60 days after hospitalization.
Daycare Procedures: Coverage for treatments requiring less than 24 hours of hospitalization.
AYUSH Treatments: Includes alternative therapies like Ayurveda and Yoga.
The Arogya Sanjeevani Policy provides extensive coverage for essential medical needs, ensuring financial security during medical emergencies.
These advanced treatments highlight the policy’s commitment to covering cutting-edge medical procedures.
Competitor plans often include optional riders and complex terms that may not suit all buyers. The Arogya Sanjeevani Policy, however, offers consistent coverage across insurers, making it ideal for first-time buyers and those prioritizing clarity. It also supports modern treatments like robotic surgeries, which may not always be covered under basic plans offered by competitors.
With uniform benefits and a focus on essential healthcare, the Arogya Sanjeevani Policy stands out as a reliable choice.
Assess Healthcare Needs: Determine the required sum insured based on medical history and family size.
Compare Premiums: Evaluate costs across insurers for the same coverage.
Check Network Hospitals: Ensure your preferred hospitals are part of the insurer’s network.
Insurer Reputation: Research claim settlement ratios and customer reviews.
Selecting the right insurer ensures maximum benefits under the standardized features of this policy.
Purchasing the policy online through Coverfox is quick, transparent, and hassle-free.
Timely renewal ensures uninterrupted coverage and protection.
Policyholders can cancel the policy during the free-look period (15 days from issuance) for a full refund. Beyond this period, refunds are calculated on a pro-rata basis depending on the remaining tenure.
Refer to your insurer’s specific terms to understand the applicable refund process.
Following the prescribed process ensures a smooth claims experience.
This policy caters to diverse needs, ensuring comprehensive coverage for all.
Premiums paid for the Arogya Sanjeevani Policy qualify for tax deductions under Section 80D of the Income Tax Act. Individuals can save up to ₹25,000 annually, while senior citizens can claim up to ₹50,000.
This makes the policy a financially prudent choice, offering both healthcare coverage and tax savings.
Yes, it is absolutely necessary to get a health plan for yourself and your family. Here are the top reasons for the same:
New Age Treatments refer to advanced and innovative medical procedures that use cutting-edge technology and specialized expertise. These treatments provide effective solutions for complex medical conditions, improving patient outcomes significantly. With the Arogya Sanjeevani Policy, you can access coverage for these treatments up to 50% of the sum insured, ensuring financial support for the most modern healthcare solutions.
The Arogya Sanjeevani Policy includes a wide range of advanced medical treatments, such as:
Intra-Operative Neuro Monitoring (IONM): Real-time monitoring of neural pathways during surgeries.
Stereotactic Radio Surgeries: High-precision radiation treatment for tumors and abnormalities.
Immunotherapy: Cutting-edge cancer treatment that strengthens the immune system.
Balloon Sinuplasty: Minimally invasive procedure for chronic sinusitis.
Deep Brain Stimulation: Neurological treatment for Parkinson’s disease and other disorders.
Intravitreal Injections: Eye treatments for retinal disorders like macular degeneration.
Bronchial Thermoplasty: Innovative therapy for severe asthma management.
Stem Cell Therapy and Research: Regenerative treatments for various conditions.
Green Laser Treatments: Effective solutions for urological disorders.
Holmium Laser Therapy: Advanced kidney stone removal techniques.
Oral Chemotherapy: Convenient cancer treatment administered orally.
Uterine Artery Embolization: Non-surgical treatment for uterine fibroids.
High-Intensity Focused Ultrasound (HIFU): Non-invasive therapy for prostate and other cancers.
The above list is not exhaustive. Read more on the Arogya Sanjeevani policy details only on Coverfox.
These treatments represent the forefront of medical innovation, offering:
Faster Recovery Times: Minimally invasive procedures mean shorter hospital stays and recovery periods.
Improved Accuracy: High precision in diagnosis and treatment reduces risks and complications.
Broader Accessibility: Coverage under the Arogya Sanjeevani Policy makes these premium treatments financially feasible.
By choosing the Arogya Sanjeevani Policy, you gain access to these state-of-the-art medical advancements, ensuring both financial security and world-class healthcare for you and your loved ones.
While the Arogya Sanjeevani Policy offers comprehensive coverage for a wide range of medical expenses, there are certain exclusions to ensure clarity and transparency. Understanding these exclusions helps policyholders make informed decisions and avoid claim rejections. Below is the detailed list of treatments and conditions not covered under this policy:
The amount of premium varies across different insurers. It can come close to ₹3000 for an individual and ₹15,000 for a family floater plan. If you are still confused, you can utilise the Arogya Sanjeevani Policy Premium Calculator on Coverfox.
The Arogya Sanjeevani Policy is a standardized health insurance plan introduced by the IRDAI. It offers basic health coverage for hospitalization, pre and post-hospitalization expenses, and AYUSH treatments, ensuring affordable healthcare for individuals and families.
Any individual aged between 18 and 65 years can purchase this policy. It also allows coverage for dependent children aged 3 months to 25 years under a family floater plan.
The sum insured ranges from ₹50,000 to ₹10 lakhs, depending on the insurer and the applicant’s requirements.
Yes, pre-existing diseases are covered after a waiting period of 4 years from the policy’s inception.
Yes, modern treatments such as robotic surgeries, oral chemotherapy, and stem cell therapy are covered under the Arogya Sanjeevani Policy.
Yes, the Arogya Sanjeevani Policy covers treatments under Ayurveda, Yoga, Unani, Siddha, and Homeopathy (AYUSH).
The policy has a room rent limit of 2% of the sum insured, capped at ₹5,000 per day. For ICU/ICCU, it is 5% of the sum insured, capped at ₹10,000 per day.
Yes, there is an initial waiting period of 30 days from the policy inception for general claims, except for accidents. Specific diseases and pre-existing conditions have additional waiting periods.
Yes, you can opt for a family floater plan that covers yourself, your spouse, dependent children, and dependent parents.
You can file a claim through cashless hospitalization at network hospitals or by reimbursement for treatments at non-network hospitals. Submit the required documents, such as discharge summaries and bills, to the insurer.
