Arogya Sanjeevani Policy: An Affordable Health Cover

By Author: Digital Nomad
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Every now and then the Centre keeps rolling out new policies and programs directed towards the welfare and betterment of the people of the country across various domains and industries. The insurance sector is no different. While the Insurance Regulatory and Development Authority of India (IRDAI) ensures fairness and order in the insurance industry, the centre pans out several affordable and high-coverage insurance policies, keeping in mind the needs of people of different income groups and demography. One such plan is the Arogya Sanjeevani Policy, which is highly inclusive.
Read on to know about the Arogya Sanjeevani Policy in detail!
What is Arogya Sanjeevani Policy?
The Arogya Sanjeevani Policy is a basic plan that has to be offered by every IRDAI-registered health insurance provider where some common features must be covered. It is a health insurance policy panned out by the IRDAI that covers a wide range of healthcare expenses where the sum insured by the insurance provider starts from Rs 3 lakhs and goes up ...
... to as high as Rs 2 crores. The difference lies in the customer service and how the claim settlement process is carried out. Apart from that the basic structure of the policy is the same for all health insurance providers. The objective behind launching this Arogya Sanjeevani Policy was to make basic standard health coverage accessible to all, in a simple manner.
What are the features of the Arogya Sanjeevani Policy?
Listed below are some of the prime features that are covered under the Arogya Sanjeevani Policy –

Under the Arogya Sanjeevani Policy, you can get coverage for yourself, your spouse, your children, your newborn of 3 months, your parents, any legally adopted children, any other legitimate dependent, and your parents-in-law.


One of the best features of the Arogya Sanjeevani Policy is that this health insurance can be availed both as an individual policy as well as a family floater plan.


It essentially provides coverage for Allopathy treatment and alternative AYUSH treatment which includes, Ayurveda, Yoga, Unani, Siddhi and Homeopathy.


The policy covers hospitalisation expenses like room rent, doctor’s consultation fee, cost of surgery, ICU charges, additional services like that of an anaesthetist or a specialist, and many more.


It will also pay for pre and post-hospitalisation medical expenses surrounding the cause of the treatment or hospitalisation, for 30 and 60 days respectively.


Under the Arogya Sanjeevani Policy, you can get cover for ambulance charges up to Rs 2500 per hospitalisation.


Furthermore, the policy comes with the benefit of lifelong renewability.


For 12 particular listed conditions and their corresponding modern treatments or hospitalisation, you can get 50% of the assured sum.


For some specific surgeries or procedures, there is also the facility of pre-negotiated packages at the network hospitals.


If you buy the policy online without any intermediary you can also get discounts.


For every claim-free year, you will be awarded an increase in the sum insured (SI) by 5% which can go up to 50% over.

If you are planning to buy a health insurance plan for yourself or your family, you should go online and compare different available health plans, their coverage and cost. It is best recommended while doing your research you should definitely check the features, coverage, inclusions, exclusions and cost of the Arogya Sanjeevani Policy offered by various insurance providers. It is one of the most sought-after health plans currently and you must tap into its wide range of benefits.