Abhilash Chalmela
Abhilash Chalmela
Read 2 minutes

What Is Arogya Sanjeevani Health Insurance?

There are many outbreaks and pandemics we have faced as humans. They taught us many lessons, one of which is to prioritise our health. It includes taking steps for the well-being of your loved ones as well. Besides following healthy lifestyle habits, ensure that your Health Policy covers you and your family members.

The Arogya Sanjeevani Health Insurance provides coverage for medical and hospitalisation expenses up to Rs. 5 lakh. The Insurance Regulatory and Development Authority of India (IRDAI) made it mandatory for all health insurers to introduce standard insurance policies for individuals and families. It covers hospitalisation expenses, including bed, nursing, ICU, and doctor consultation charges.

Types of plans

This Health Insurance protects you and your family from financial burden in medical emergencies. Choose between Individual and Family Floater Plans. Under the Individual Plan, only the policyholder is the beneficiary. The Family Floater Policy covers all family members, including your dependents, spouse, children, parents, and inlaws.


The policy covers all hospitalisation expenses in a medical emergency such as an illness or accidental injury. It also offers Corona Insurance protection and pays for costs incurred on hospitalisation due to the disease. At an approved hospital, you also get AYUSH benefits for obtaining alternative treatments such as Ayurveda, Homeopathy, Siddha, etc. Other inclusions are ICU charges, room rent, ambulance services, and modern treatment methods.


Several features differentiate the Arogya Sanjeevani Policy from Individual Health Insurance Plans in India. They are more economical than the others and offer universal coverage across all insurance companies. The sum insured ranges from Rs. 1 lakh to Rs. 5 lakh.


The Arogya Sanjeevani Health Insurance simplified the process in India by offering primary and standard insurance with the same coverage by all companies. It strives to provide indemnity benefits to all policyholders across different income groups in the country:

No more confusion

It eliminates the scope of confusion as all companies offer the same coverage and terms.

Lower co-payment

It also offers a lower co-payment option of only 5% of the total claim amount, which means you need to pay only 5% of the entire claim amount during settlement.

Cumulative bonus

Like other Medical Policies, this plan also rewards a cumulative bonus of 5% on the total sum insured amount for every claim-free year.

Boon for new buyers

This plan is ideal for new policy buyers as you get a wide range of coverage at minimal cost without the hassles of understanding and comparing different plans.

Lifetime renewability

You can renew your policy for as long as you live without worrying about causing a financial burden to your family members. You should ensure to renew the policy before the expiry date for continued benefits.

How to buy it?

Buy the policy online as the IRDAI permits insurance companies to offer them online to policyholders for convenience. Compare the premium quotes, choose the plan, fill up a proposal form, and pay the premium online.