Plan Overview
The Arogya Sanjeevani Insurance Policy is a highly beneficial and affordable health insurance option designed to cover essential medical needs for individuals and families. This plan offers coverage from ₹50,000 up to ₹10,00,000, ensuring comprehensive protection against the costs of major hospitalizations, surgeries, and treatments.
Key Features
- Coverage available for anyone from 3 months to 65 years (renewable for life)
- Choice of Individual or Family Floater basis
- Sum insured options from ₹50,000 to ₹10,00,000 in multiples of ₹50,000
- Instantly renewable policy with one-year term duration
- Premiums payable annually, half-yearly, or quarterly
- No capping on exit age for renewals
Benefits
- Coverage available for anyone from 3 months to 65 years (renewable for life)
- Choice of Individual or Family Floater basis
- Sum insured options from ₹50,000 to ₹10,00,000 in multiples of ₹50,000
- Instantly renewable policy with one-year term duration
- Premiums payable annually, half-yearly, or quarterly
- No capping on exit age for renewals
Eligibility
- Entry age: 3 months to 65 years
- Lifelong renewal is available
- Anyone can be covered as an individual or as part of a family floater plan
Sum Insured Options
| Available Sums Insured (₹) |
|---|
| 50,000 |
| 1,00,000 |
| 1,50,000 |
| 2,00,000 |
| 2,50,000 |
| 3,00,000 to 10,00,000 (in steps of 50,000) |
Waiting Periods
- Initial waiting period: 30 days (except for accidents)
- Pre-existing diseases: 36 months
- Specific listed ailments: 24–36 months.
Policy Exclusions
- Diagnostic and evaluation-only admissions
- Rest and rehabilitation care
- Cosmetic surgeries (except medically necessary)
- Treatment for alcoholism, drug abuse, obesity (with exceptions)
- War, nuclear, and biological hazards
- Treatments outside India
- Domiciliary hospitalization and outpatient care
- Full list provided in policy document
Premium Payment Modes
Annual, half-yearly, or quarterly (installment loading applicable)
Co-Payment
5% co-payment applicable on every claim
Claim Process
24×7 helpdesk and toll-free supportShow ID card at hospital helpdeskPre-authorization form to be filled at network hospitalsFor emergency/non-network hospitals, notify within 24 hours; then submit documents for reimbursementAll claims are subject to KYC and NEFT documentation
Cancellation & Portability
- Policyholder can cancel anytime; eligible for proportionate refund if no claims made
- Company can cancel for fraud/non-disclosure with written notice
- Policy is portable/migratable as per IRDAI guidelines