Arogya Sanjeevani Policy

Explore the benefits, coverage and more about the Arogya Sanjeevani Policy.
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3 min
09-July-2025

The Arogya Sanjeevani Policy is a standard indemnity-based health insurance plan that offers comprehensive coverage for hospitalization expenses, including room rent, nursing care, ICU charges, doctor consultation fees, and other associated medical costs.

This policy is available with a sum insured starting from ₹50,000 up to ₹5 lakh or more, depending on the insurer's offerings. It is designed to meet the basic healthcare needs of individuals and families, ensuring standardised coverage, easy portability, and affordable protection.

As per IRDAI guidelines, all general and standalone health insurers are required to provide this policy with a uniform set of mandatory basic benefits for both individuals and families.

What is the Arogya Sanjeevani Policy?

The Arogya Sanjeevani Policy is a standard health insurance plan introduced by the Insurance Regulatory and Development Authority of India (IRDAI). It is designed to offer affordable and uniform medical coverage to individuals and families across India.

This indemnity-based policy covers hospitalisation expenses, including:

  • Room rent and nursing charges

  • ICU charges

  • Doctor consultation and specialist fees

  • Diagnostic tests and medicines

  • Pre- and post-hospitalisation costs

  • AYUSH treatments (Ayurveda, Yoga, Unani, Siddha & Homeopathy)

The policy is available with a sum insured ranging from ₹50,000 to ₹5 lakh, and comes with easy portability, lifelong renewability, and optional family floater coverage.

It aims to make basic health insurance accessible, transparent, and standardised, especially for first-time buyers looking for reliable medical protection at an affordable premium.

Arogya Sanjeevani Yojana: An overview

Given below is a brief overview of the scheme:

Scheme name

Arogya Sanjeevani Yojana

Initiating authority

Insurance Regulatory and Development Authority of India (IRDAI)

Age eligibility

Minimum entry age – 18 years

Maximum entry age – 65 years

Coverage

Up to Rs. 5 lakh

 

Key features of Arogya Sanjeevani Policy

  • Standardised coverage:
    The policy offers a sum insured ranging from Rs. 1 lakh to Rs. 5 lakh, making it suitable for individuals and families. It covers hospitalisation expenses, including room rent, ICU charges, doctor's fees, and other associated costs.

  • Uniform terms across insurers:
    The terms and conditions of the Arogya Sanjeevani policy are the same regardless of the insurance provider, ensuring transparency and consistency. It includes coverage for pre- and post-hospitalisation expenses for upto 30 and 60 days, respectively.

  • Coverage for daycare treatments and AYUSH:
    The policy covers day-care treatments that do not require 24-hour hospitalisation. AYUSH (Ayurveda, Yoga and Naturopathy, Unani, Siddha, and Homeopathy) treatments are also included, recognising the importance of traditional and alternative medicine.

  • Affordable premiums and co-payment:
    The premiums are designed to be affordable, with a mandatory co-payment of 5% on all claims. This co-payment structure helps in sharing the cost between the insurer and the policyholder, keeping premiums lower.

  • No room rent limit:
    Unlike many other health policies, Arogya Sanjeevani does not impose any cap on room rent or ICU charges, offering more flexibility during hospital stays.

  • Modern treatments:
    Coverage extends to advanced and modern treatments like robotic surgeries and oral chemotherapy, reflecting the evolving medical landscape.

  • Renewability and grace period:
    The policy is renewable for a lifetime, with a grace period of upto 30 days for policy renewal to ensure continuous coverage.

Benefits of Arogya Sanjeevani Policy

Affordable coverage

The Arogya Sanjeevani Policy is more budget-friendly compared to many other health insurance plans. It’s specifically designed to cover basic medical needs, making quality healthcare accessible to a wider population across India.

Standardised across insurers

Say goodbye to confusion while choosing a policy—this plan offers the same coverage, terms, and conditions regardless of the insurer. It simplifies the buying decision, especially for those new to health insurance.

Cumulative bonus for claim-free years

Enjoy a 5% bonus on your sum insured for every claim-free year, up to a maximum of 50%. This reward system helps you build greater health coverage over time at no extra cost.

Ideal for first-time buyers

If you’re new to health insurance, Arogya Sanjeevani is the perfect entry-level policy, offering all essential benefits at an affordable premium—without overwhelming you with complex features.

Easy portability

Switching insurers? No problem. Arogya Sanjeevani policies are easily portable between providers, thanks to the IRDAI’s mandate for uniformity. You retain your benefits without complications.

Tax benefits under Section 80D

Premiums paid towards the Arogya Sanjeevani Policy qualify for tax deductions under Section 80D of the Income Tax Act, helping you save money while securing your health.

Also, check: List of government health schemes in India

Pro Tip

Avail hospitalisation and treatment benefits with health insurance plans starting at just Rs. 15*/day.

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Eligibility criteria for Arogya Sanjeevani Policy

Here are the key eligibility guidelines for purchasing an Arogya Sanjeevani Health Insurance policy:

Category

Specifications

Entry Age

- Adults: 18 to 65 years
- Children: 3 months to 25 years

Coverage Type

Available as both Individual and Family Floater plans

Relationships Covered

Self, legally wedded spouse, dependent children, parents, and parents-in-law

Renewability

Lifelong renewability, ensuring continuous coverage without age restriction

 

This policy is designed to make health insurance accessible for individuals and families at every stage of life.

Also, read: ABHA card registration

What is covered by Arogya Sanjeevani Policy?

The Arogya Sanjeevani policy offers extensive coverage for a variety of medical expenses, ensuring basic healthcare protection for individuals and families:

  • In-patient hospitalization
    Covers hospital stays exceeding 24 hours, including room rent, nursing, and boarding—up to 2% of the sum insured or a maximum of ₹5,000 per day.

  • ICU/ICCU charges
    Pays for treatment in the Intensive Care Unit (ICU) or Intensive Coronary Care Unit (ICCU)—up to 5% of the sum insured or ₹10,000 per day, whichever is lower.

  • Pre-hospitalization expenses
    Covers diagnostic tests, doctor visits, and medications for up to 30 days before hospitalization.

  • Post-hospitalization expenses
    Pays for follow-up consultations, medicines, and tests for up to 60 days after discharge.

  • COVID-19 cover
    Includes hospitalization expenses due to COVID-19 treatment, as per the IRDAI guidelines.

  • AYUSH treatment
    Offers coverage for Ayurveda, Yoga, Unani, Siddha, and Homeopathy treatments taken at AYUSH-recognized hospitals.

  • Road ambulance charges
    Reimburses ambulance costs up to ₹2,000 per hospitalization.

  • Day care procedures
    Covers medical expenses for day care treatments that don’t require a full 24-hour hospital stay.

  • Plastic surgery
    Includes plastic or reconstructive surgery if medically necessary due to illness or injury.

  • Dental treatment
    Covers dental procedures only if required due to disease or accidental injury.

  • Cataract surgery
    Covers cataract procedures up to ₹40,000 or 25% of the sum insured, whichever is lower.

  • Modern/Advanced treatments
    Includes coverage for new-age medical procedures (like robotic surgery or stem cell therapy) up to 50% of the sum insured.

What is not covered by Arogya Sanjeevani Policy?

While the Arogya Sanjeevani Health Insurance plan offers broad coverage, certain medical expenses and situations are excluded. These include:

  • Pre-existing diseases during the initial 48-month waiting period

  • Hospitalization for cosmetic or aesthetic treatments, unless medically necessary due to an accident or disease

  • Injuries from self-harm, suicide attempts, or substance abuse

  • Treatment for infertility or in vitro fertilization (IVF)

  • Congenital external defects or anomalies

  • Dental procedures, unless required due to an illness or injury

  • Expenses related to weight control treatments or obesity surgery

  • Non-allopathic treatments not approved under AYUSH

  • Injuries sustained during war, terrorism, or unlawful acts

It's essential to review the policy document to understand all exclusions before purchasing Arogya Sanjeevani health insurance.

Conclusion

The Arogya Sanjeevani Health Insurance policy is a reliable, affordable, and standardised solution for individuals and families seeking essential medical coverage. With uniform benefits across insurers, easy portability, and tax advantages, it serves as an ideal starting point for first-time buyers. Investing in this plan ensures financial protection and peace of mind during medical emergencies.

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Frequently asked questions

Will every insurer provide the Arogya Sanjeevani Policy?

All general and standalone health insurers are required to provide the standard individual health insurance product, the Arogya Sanjeevani Policy. However, this requirement does not apply to insurers who do not currently offer any indemnity-based health insurance products.

What sum insured choices does this policy offer?

The available sum insured ranges from a minimum of Rs. 1 lakh to a maximum of Rs. 2 lakh. Policyholders can select any Sum Insured within these limits, in increments of fifty thousand.

What is the Arogya Sanjeevani Policy?

The Arogya Sanjeevani Policy is a standardised, indemnity-based health insurance product mandated by the IRDAI. Offered by all general and standalone health insurers in India, it provides uniform coverage and terms across providers. Available in both individual and family-floater variants, it offers sums insured from ₹50,000 up to ₹10 lakh, in increments of ₹50,000.

What is the Arogya Sanjeevani Scheme?

Also known as the National Standard Health Insurance Product, this scheme was launched by IRDAI on 1 April 2020 to simplify health coverage in India . Its aim is to offer a clear, accessible, and affordable health insurance option for individuals and families, featuring identical coverage and conditions irrespective of the insurer .

What is the Policy of Porting Arogya Sanjeevani?

A key feature of the policy is hassle-free portability: policyholders can switch insurers at renewal without losing benefits or coverage continuity . Since every company offers the same standardized terms, insurers cannot impose new waiting periods for already served coverage.

What is the Navi Arogya Sanjeevani Policy?

The Navi Arogya Sanjeevani Policy is Navi General Insurance’s version of the standard IRDAI plan. It offers the same basic benefits, waiting periods, and sums insured (₹50,000–₹10 lakh). It features a 30-day initial waiting period, after which medical expenses are covered

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