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In summary
The Arogya Sanjeevani Policy is a standard health insurance plan offering uniform basic coverage across insurers in India. It covers hospitalisation with sum insured options from ₹50,000 to ₹10 lakh, along with a 5% co-payment and specified sub-limits, subject to policy terms and conditions.
- Arogya Sanjeevani Policy was mandated by the Insurance Regulatory and Development Authority of India (IRDAI) to create a universal, standard health insurance policy across all non-life and health insurers.
- The policy offers sum insured options ranging from Rs. 50,000 to Rs. 10 lakh (available in multiples of Rs. 50,000), catering to individuals and families seeking essential medical protection. Source: General Insurance Council
- Coverage includes inpatient hospitalisation, 30 days pre-hospitalisation, 60 days post-hospitalisation, day care procedures, AYUSH treatment, and modern medical treatments up to 50% of the sum insured.
- Standard restrictions include a mandatory 5% co-payment on every claim, a room rent ceiling of 2% of the sum insured (maximum Rs. 5,000 per day), and an ICU sub-limit of 5% (maximum Rs. 10,000 per day).
- Purchasing Arogya Sanjeevani through the Bajaj Finance digital marketplace ensures transparent multi-insurer premium comparison, real-time claim support, and paperless policy issuance.
What is the Arogya Sanjeevani Policy?
The Arogya Sanjeevani Policy is an entry-level, standard health insurance product introduced under the regulatory mandate of the Insurance Regulatory and Development Authority of India (IRDAI). Recognising that prospective policyholders frequently struggle with complex, disparate insurance wordings, varied exclusion lists, and opaque deductibles, the regulator instructed all general and standalone health insurers in India to introduce a product with completely identical coverage terms, policy wording, and eligibility criteria. Source: Ministry of Health and Family Welfare
The primary purpose of the policy is to eliminate ambiguity in health insurance purchasing. Whether a consumer buys Arogya Sanjeevani from Insurer A or Insurer B, the basic policy schedule, exclusions, waiting periods, room rent caps, and co-payment percentages remain completely identical. The only points of differentiation between insurers are the premium pricing, underwriting criteria, customer service infrastructure, and the size of their cashless hospital network.
Available as both an individual policy and a family floater contract, Arogya Sanjeevani covers all essential inpatient medical treatments, emergency ambulance charges, pre-hospitalisation and post-hospitalisation costs, and advanced day care treatments. Through Bajaj Finance, consumers can evaluate standard Arogya Sanjeevani policies offered by leading partner general and standalone insurers to find the most cost-effective solution.
Did you know?
IRDAI introduced the Arogya Sanjeevani Policy in April 2020 as a statutory benchmark product. It was designed so that any Indian citizen, regardless of financial literacy or insurance background, can purchase healthcare protection without having to decode hundreds of pages of differing proprietary policy terms.
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Arogya Sanjeevani Yojana: An overview
Frequently referred to colloquially in public discourse as "Arogya Sanjeevani Yojana", this product functions as a cornerstone of retail health security across urban, semi-urban, and rural areas in India. Unlike state-sponsored welfare schemes like Ayushman Bharat PM-JAY, which are restricted to socio-economically disadvantaged families listed in the SECC database, Arogya Sanjeevani is a commercial, retail insurance product open to any resident Indian citizen seeking private healthcare protection.
The product architecture is designed with universal access in mind. Entry age ranges from 18 years to 65 years, with lifelong renewability guaranteed by statutory regulations. Dependent children can be covered from 3 months up to 25 years under family floater variants. If a child reaches 25 years or becomes financially independent, they can transition to an individual Arogya Sanjeevani policy without losing accrued waiting period credits or cumulative bonus benefits, subject to applicable policy terms.
Furthermore, the policy permits flexible premium payment modes—including annual, half-yearly, quarterly, and monthly instalments—making medical protection manageable for micro-entrepreneurs, self-employed traders, and small business owners who prefer staggered budgeting over lump-sum annual outlays.
| Structural parameter | Regulatory specification under IRDAI guidelines |
|---|---|
| Product classification | Standard retail health insurance (indemnity-based) |
| Policy structure | Individual sum insured and family floater variants |
| Sum insured slabs | Minimum Rs. 50,000 to maximum Rs. 10,000,000 (in multiples of Rs. 50,000) |
| Minimum entry age | 18 years for adults; 3 months for dependent children |
| Maximum entry age | 65 years across all partner insurers; lifelong renewability mandated |
| Relationship coverage | Self, legally wedded spouse, dependent children, parents, and parents-in-law |
| Premium frequency options | Annual, half-yearly, quarterly, and monthly instalments |
| Pre-existing disease waiting period | Standardised at 36 months (shortened from 48 months under revised IRDAI norms) |
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Key features of Arogya Sanjeevani Policy
The Arogya Sanjeevani Policy incorporates several distinctive structural features designed to ensure fairness and affordability:
1. Standardised terms and uniform policy wording
Unlike proprietary health insurance products where definitions of illnesses, day care procedures, and exclusions vary dramatically between insurers, Arogya Sanjeevani uses word-for-word identical contract language across all insurance providers. This transparency protects consumers from unannounced fine-print exclusions.
2. Mandatory five per cent co-payment
To maintain affordable premium pricing across all age bands, the regulator incorporated a mandatory 5% co-payment clause on all admissible claims. This means the policyholder pays 5% of the approved claim amount, while the insurer settles the remaining 95%. For instance, on an admissible claim of Rs. 1,00,000, the policyholder pays Rs. 5,000, and the insurer pays Rs. 95,000.
3. Defined room rent and intensive care unit caps
To discourage private hospitals from overbilling policyholders for premium accommodation, Arogya Sanjeevani caps daily room rent at 2% of the sum insured, up to a maximum ceiling of Rs. 5,000 per day. Intensive care unit (ICU) charges are capped at 5% of the sum insured, up to a maximum limit of Rs. 10,000 per day.
4. Cumulative bonus for claim-free policy years
For every policy year concluded without a registered claim, the sum insured increases by 5%, up to a maximum cumulative limit of 50% of the base sum insured. If a claim is subsequently filed during a policy year, the cumulative bonus reduces by the same 5% margin at subsequent renewal, but the base sum insured remains fully intact.
5. Inclusion of modern treatments and technological advances
Arogya Sanjeevani mandates coverage for 12 specified advanced medical treatments—including robotic surgeries, balloon sinuplasty, oral chemotherapy, deep brain stimulation, and immunotherapy—up to 50% of the policy sum insured.
Quick fact:
The 12 modern advanced treatments covered under Arogya Sanjeevani up to 50% of the sum insured include uterine artery embolisation, uterine artery ablation, robotic surgeries, stereotactic radio surgeries, vaporisation of the prostate, intra-vitreal injections, and stem cell therapy for haematological conditions.
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What is covered and Not 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.
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Reviews
Arjun Mehta
13 Jul 2025
I opted for the Health Infinity plan for my parents. The digital onboarding was incredibly fast with no medical tests required since they are under 50. We had a minor daycare procedure last month, and the cashless approval came through in less than 2 hours. Very impressed with the efficiency.
Priya Sharma
28 Feb 2025
The Bajaj Finance Health app is a lifesaver. I use it for my regular OPD consultations and medicine orders. The 10% discount on pharmacy bills and the easy reimbursement for doctor visits make it much more than just a 'hospitalization' policy. It’s daily health support.
Sneha Kapoor
15 Mar 2025
Switched my family floater to Bajaj General this year. The network of hospitals in my city (Pune) is excellent. The only downside was a slight delay in getting my physical card, but the digital copy on the app works everywhere. The 'Wellness Rewards' for hitting step goals is a cool touch!
Benefits of Arogya Sanjeevani Policy
Enrolling in an Arogya Sanjeevani Policy provides practical financial and healthcare advantages for individuals and families:
● Budget-friendly premium structure: Because the product incorporates a 5% co-payment and room rent sub-limits, base premiums are substantially lower than comprehensive retail health plans, making it ideal for first-time insurance buyers.
● Coverage for all standard day care procedures: With surgical technology evolving rapidly, procedures like cataract removal, kidney stone lithotripsy, and minor ENT surgeries do not require 24 hours of hospitalisation. Arogya Sanjeevani covers all such medically necessary day care interventions.
● Holistic AYUSH treatment coverage: Policyholders who prefer traditional medical systems can receive inpatient treatment at recognised government and accredited institutions under Ayurveda, Yoga and Naturopathy, Unani, Siddha, and Homeopathy up to 100% of the base sum insured.
● Pre-hospitalisation and post-hospitalisation expenses: Medical investigations, consultations, and medications incurred 30 days prior to hospital admission and 60 days following hospital discharge are fully reimbursable under the policy.
● Emergency road ambulance allowance: Emergency ambulance transport to the nearest hospital is covered up to Rs. 2,000 per hospitalisation event.
● Seamless portability across insurers: If a policyholder is dissatisfied with the service turnaround or network presence of their current insurer, they can easily port their Arogya Sanjeevani contract to another partner insurer via Bajaj Finance without losing waiting period seniority.
● Tax deductions under Section 80D: Premiums paid towards Arogya Sanjeevani qualify for tax savings under Section 80D of the Income Tax Act, allowing deductions up to Rs. 25,000 for self and family, and up to Rs. 50,000 for senior citizen parents.
| Feature dimension | Arogya Sanjeevani Policy | Comprehensive retail health plan |
|---|---|---|
| Policy wording | Identical across all insurers (IRDAI mandated) | Proprietary and varies by company |
| Sum insured ceiling | Rs. 50,000 to Rs. 10 lakh | Rs. 5 lakh to Rs. 1 crore or more |
| Mandatory co-payment | 5% on all admissible claims | Usually 0% (voluntary co-pays optional) |
| Room rent restrictions | Capped at 2% of SI (max Rs. 5,000 per day) | Often no capping (single private AC room) |
| ICU rent restrictions | Capped at 5% of SI (max Rs. 10,000 per day) | No sub-limits in top-tier plans |
| Maternity coverage | Strictly excluded | Available as standard or optional rider |
| Outpatient (OPD) consultations | Excluded (inpatient and day care only) | Available via dedicated OPD riders |
| Cumulative bonus | 5% per claim-free year (up to 50%) | 20% to 50% per claim-free year (up to 100%) |
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What is covered by Arogya Sanjeevani Policy?
The Arogya Sanjeevani Policy provides broad inpatient coverage for acute medical conditions, surgical emergencies, and systemic illnesses. Specifically, admissible expenses include:
● Inpatient hospitalisation expenses: Bed nursing, boarding, and room charges up to 2% of sum insured (maximum Rs. 5,000 daily); ICU expenses up to 5% of sum insured (maximum Rs. 10,000 daily).
● Medical practitioner and surgical fees: Fees charged by treating surgeons, anaesthetists, medical consultants, specialists, and visiting doctors during the hospitalisation period.
● Inpatient pharmacy, diagnostic, and laboratory investigations: Blood tests, X-rays, MRI scans, CT scans, prescription drugs, surgical consumables, blood transfusion, oxygen, and operating theatre charges.
● Cataract surgery coverage: Cataract treatment is covered up to 25% of the sum insured or Rs. 40,000 per eye, whichever is lower, subject to an initial 24-month waiting period.
● Dental treatment and plastic surgery necessitated by trauma: While cosmetic procedures are excluded, reconstructive dental surgery or plastic surgery required directly due to an accidental injury is fully covered.
● Pre-hospitalisation and post-hospitalisation expenses: Diagnostic tests, specialist consultations, and medications incurred within 30 days prior to hospital admission and within 60 days post-discharge.
● Alternative medicine (AYUSH): Inpatient treatment availed in an accredited government or Central/State council-recognised AYUSH hospital without any sub-limit deduction. Source: National Health Authority
● Road ambulance cover: Up to Rs. 2,000 per hospitalisation event for transportation to the nearest medical centre.
Did you know?
Under IRDAI circulars governing standard policies, the waiting period for specific listed surgical conditions under Arogya Sanjeevani—including benign prostatic hypertrophy, hysterectomy for menorrhagia, hernia repair, hydrocele, gallstones, and osteoarthritis joint replacements—is uniformly fixed at 24 months across all insurance providers.
What is not covered by Arogya Sanjeevani Policy?
To maintain low premium rates, the Arogya Sanjeevani Policy incorporates statutory exclusions. Policyholders must understand these exclusions to avoid unexpected claim repudiation:
● Maternity and pregnancy-related expenses: Hospitalisation, diagnostic testing, delivery (normal or caesarean), and treatment of prenatal or postnatal complications are strictly excluded.
● Outpatient department (OPD) consultations: Routine doctor visits, external diagnostic tests, and maintenance pharmacy expenses not linked to an inpatient hospitalisation are not covered.
● Infertility and assisted reproduction: Treatments related to IVF, intrauterine insemination, fertility testing, sterilisation, and reversal of sterilisation are excluded.
● Cosmetic and aesthetic treatments: Aesthetic surgeries, liposuction, aesthetic dermatology, and voluntary plastic surgeries are excluded unless required for wound repair after trauma.
● Self-inflicted injuries and hazardous activities: Hospitalisation arising from intentional self-harm, suicide attempts, or participation in hazardous sports (such as rock climbing or skydiving) is excluded.
● Substance abuse and alcohol intoxication: Medical management necessitated directly by alcohol abuse, narcotic drug dependency, or chronic intoxication is excluded.
● Unproven, experimental, and off-label treatments: Treatments lacking clinical consensus or therapeutic validation from recognised medical councils are excluded.
● Domiciliary hospitalisation: Treatment taken at home when hospital beds are unavailable or the patient cannot be moved is not covered under the standard Arogya Sanjeevani policy terms.
Standardised co-pay and capping comparison matrix
Understanding how Arogya Sanjeevani compares with other basic and comprehensive health insurance configurations helps prospective buyers evaluate trade-offs:
| Plan parameter | Arogya Sanjeevani standard policy | Basic retail indemnity plan | Comprehensive health plan |
|---|---|---|---|
| Sum insured minimum | Rs. 50,000 | Rs. 2,00,000 | Rs. 5,00,000 |
| Sum insured maximum | Rs. 10,00,000 | Rs. 10,00,000 | Rs. 1,00,00,000 or unlimited |
| Mandatory co-payment | 5% across all age groups | 0% or age-linked (e.g., 20% above age 60) | 0% standard |
| Room rent capping | 2% of SI, up to max Rs. 5,000 per day | 1% of SI per day | No capping (single private room) |
| ICU rent capping | 5% of SI, up to max Rs. 10,000 per day | 2% of SI per day | No capping |
| Cataract treatment limit | 25% of SI or Rs. 40,000 per eye | Rs. 20,000 to Rs. 30,000 per eye | Rs. 50,000 to full sum insured |
| Modern treatments coverage | Up to 50% of sum insured | Often excluded or capped at 25% | Up to 100% of sum insured |
| Pre- and post-hospitalisation window | 30 days pre / 60 days post | 30 days pre / 60 days post | 60 days pre / 180 days post |
| Maternity benefit | Excluded | Excluded | Available as optional add-on |
| Domiciliary hospitalisation | Excluded | Covered up to specified limits | Covered up to sum insured |
Do's and don'ts: Ideal practices for Arogya Sanjeevani policyholders
Adhering to these practical guidelines ensures smooth policy servicing and prevents unexpected financial deductions during claims:
| Do | Why it matters | Don’t | Risk to avoid |
| Choose a hospital room within the 2% sum insured limit (max Rs. 5,000/day) | Prevents proportionate billing deductions from being applied to doctor fees and surgery costs | Don’t opt for deluxe suites or luxury hospital rooms exceeding the daily ceiling | Upgrading room category triggers proportionate deductions across your entire medical bill |
| Retain all diagnostic investigation slips and original pharmacy invoices for 60 days post-discharge | Essential for securing full reimbursement of pre and post-hospitalisation expenses | Don’t submit crumpled, illegible, or unnumbered pharmacy receipts | Incomplete billing records lead to administrative rejection of post-hospitalisation claims |
| Disclose all past surgical treatments and existing medical conditions truthfully in the proposal form | Ensures absolute underwriting validity and prevents future dispute under Section 45 of the Insurance Act | Don’t conceal pre-existing ailments like hypertension or asthma during digital application | Concealment results in claim repudiation and immediate termination of the insurance contract |
| Check whether your preferred local hospital is on the partner insurer's cashless network | Facilitates hassle-free cashless admission without requiring out-of-pocket cash deposits | Don’t visit an unapproved hospital for planned elective procedures without prior intimation | Seeking treatment at non-network facilities forces you into lengthy reimbursement processing |
| Renew your Arogya Sanjeevani policy before the expiry date to protect cumulative bonus credits | Maintains your 5% annual bonus growth (up to 50%) and preserves continuous coverage records | Don’t allow your policy to lapse past the 30-day grace period | Lapsed policies lose all accrued waiting period seniority and bonus sum insured credits |
| Compare quotes across multiple partner insurers on the Bajaj Finance platform | Identifies the most competitive premium rates for the identical standard coverage | Don’t assume all insurers charge the same premium for Arogya Sanjeevani | While benefits are identical, premium pricing varies based on individual insurer claims experience |
Quick fact:
Under IRDAI regulations, if you port your Arogya Sanjeevani policy from one insurer to another, your new insurer must grant you full waiting period credit for the continuous years of coverage you completed with your previous insurer, ensuring zero loss of protection.
What to do next to secure Arogya Sanjeevani health insurance
Follow this structured five-phase roadmap to evaluate and purchase an Arogya Sanjeevani policy:
● Phase 1: Assess Core Healthcare Baseline Needs (Days 1 to 2): Determine household coverage requirements and evaluate whether standard Arogya Sanjeevani limits (Rs. 50,000 to Rs. 10 lakh) meet basic hospitalisation needs.
● Phase 2: Review Regulatory Standardisation Features (Days 3 to 4): Examine mandatory 5% co-pay, 2% room rent capping, 5% ICU capping, and standard 48-month pre-existing disease waiting periods.
● Phase 3: Compare Arogya Sanjeevani Quotes on Bajaj Finance (Days 5 to 6): Evaluate premiums across leading partner insurers for identical IRDAI standardised wordings and review cashless hospital networks.
● Phase 4: Complete Digital Proposal and Instant Issuance (Day 7): Submit the simple digital proposal form, make a secure online payment, and instantly receive policy bonds and digital health cards.
● Phase 5: Secure Preventative Health Insurance via Bajaj Finance (Ongoing): As family medical needs grow, consider enhancing coverage with comprehensive floater plans or super top-ups for larger sums insured.
Sources and references
| Source / reference authority | Document / research topic | Relevant insights and context | Publication month and year |
|---|---|---|---|
| Insurance Regulatory and Development Authority of India (IRDAI) | Guidelines on standard individual health insurance product (Arogya Sanjeevani) | Standard policy wording, 5% co-pay rules, and modern treatment schedules | October 2026 |
| General Insurance Council (GIC) | Standard health product performance review | Market uptake, claim settlement ratios, and loss ratios for Arogya Sanjeevani | October 2026 |
| Ministry of Health and Family Welfare (MoHFW) | National health protection and insurance standards | Standardised treatment costing benchmarks and public-private hospital tariffs | October 2026 |
| National Health Authority (NHA) | Hospital registry and clinical procedure classifications | Hospital infrastructure standards and day care procedure classifications | October 2026 |
Data last updated as of October 2026.
Glossary of health insurance technical terms
| Technical term | Definition and regulatory context |
|---|---|
| Standard health insurance | A regulated medical policy featuring uniform wordings, exclusions, and conditions mandated by the regulator across all insurance providers. |
| Co-payment | A cost-sharing arrangement where the insured pays a specified percentage of admissible claim expenses, with the insurer paying the balance. |
| Room rent capping | A contractual restriction on the maximum daily room tariff reimbursable by the insurer, often linked to a percentage of sum insured. |
| Cumulative bonus | An increase in the basic sum insured granted by the insurer without an increase in premium for each claim-free policy year. |
| Day care procedure | Medical treatments or surgical interventions that require less than 24 hours of hospitalisation due to advanced medical technology. |
| AYUSH treatment | Inpatient medical care availed under traditional systems including Ayurveda, Yoga and Naturopathy, Unani, Siddha, and Homeopathy. |
| Pre-existing disease (PED) | Any condition, ailment, or injury diagnosed or treated by a physician within 36 months prior to the effective date of the health insurance policy. |
| Portability | The legal right of a policyholder to transfer their policy from one insurer to another without losing accumulated waiting period benefits. |
Conclusion
The Arogya Sanjeevani Policy stands as one of the most significant consumer-centric initiatives launched by the IRDAI. By establishing uniform terms, standardised policy wording, and regulated sub-limits across all Indian general and standalone health insurance companies, it eliminates the guesswork and opacity that historically intimidated first-time insurance buyers.
While its 5% co-payment and room rent limits make it an entry-level product, its inclusion of all essential inpatient medical treatments, 12 cutting-edge modern procedures, AYUSH therapies, and guaranteed lifelong renewability make it an exceptionally powerful healthcare safeguard for budget-conscious families.
Through the Bajaj Finance digital insurance marketplace, consumers can effortlessly compare Arogya Sanjeevani offerings from top partner insurers, evaluate cashless hospital networks, calculate exact premiums, and secure robust health protection with complete transparency and zero paperwork hassle.
Get standard, government-mandated health security at affordable rates: check now on Bajaj Finance for immediate Arogya Sanjeevani quotes.
Whether exploring mediclaim insurance, evaluating individual health insurance options, or securing health insurance, Bajaj Finance simplifies coverage discovery with transparent quotes and instant digital onboarding.
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Frequently Asked Questions
Arogya Sanjeevani coverage and benefits
Restrictions, co-payment, and room rent caps
Eligibility, renewal, and porting guidelines
What is the Arogya Sanjeevani Policy and who regulates it?
The Arogya Sanjeevani Policy is an IRDAI-mandated standard health insurance product offering identical coverage terms, benefits, and exclusions across all general and standalone health insurers in India. It is designed to provide transparent, accessible, and affordable healthcare protection.
What sum insured options are available under Arogya Sanjeevani?
The policy offers sum insured options ranging from a minimum of Rs. 50,000 to a maximum of Rs. 10,00,000, available in convenient multiples of Rs. 50,000. You can simulate quotes for your family and calculate your health insurance premium online.
Does Arogya Sanjeevani cover modern treatments like robotic surgery?
Yes. The policy explicitly covers 12 advanced modern medical procedures—including robotic surgery, deep brain stimulation, and stem cell therapy—up to 50% of the policy sum insured.
What is the co-payment clause under the Arogya Sanjeevani Policy?
Arogya Sanjeevani features a mandatory 5% co-payment on every admissible claim. The policyholder pays 5% of the approved bill, while the insurer settles the remaining 95%.
Are there daily limits on hospital room rent and ICU charges?
Yes. Room rent is capped at 2% of the sum insured, up to a maximum of Rs. 5,000 per day. Intensive Care Unit (ICU) charges are capped at 5% of the sum insured, up to a maximum of Rs. 10,000 per day.
Is maternity hospitalisation covered under Arogya Sanjeevani?
No. Maternity expenses, childbirth, and pregnancy-related medical procedures are strictly excluded under standard Arogya Sanjeevani policy terms.
What are the entry age requirements for Arogya Sanjeevani?
Adults between 18 and 65 years of age can purchase the policy. Dependent children can be covered from 3 months up to 25 years. Lifelong renewability is guaranteed by IRDAI regulations.
Can I port my Arogya Sanjeevani policy to another insurer on Bajaj Finance?
Yes. Under IRDAI portability regulations, policyholders can port their Arogya Sanjeevani policy to any other partner insurer on Bajaj Finance without losing accumulated waiting period credits or bonus sum insured.
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