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All You Need to Know About the Arogya Sanjeevani Policy

Updated on March 1, 2024 , 2692 views

If you are mostly boggled down feeling confused about the immense number of health insurance policy covers available out there, then you are not alone! People are known to safeguard the respective financial interests with the help of a reliable insurance cover that offers monetary support during emergency times.

Arogya Sanjeevani Policy

The IRDAI (Insurance Regulatory & Development Authority of India) has been urging the Insurance companies to develop insurance products that are highly affordable as well as easy to understand. As health insurance policies can be quite confusing for many due to the number of paperwork involved, IRDAI has delivered specific guidelines for the existing health insurance companies for the creation of a standard health insurance product. This is referred to as the “Arogya Sanjeevani Policy.”

What is Arogya Sanjeevani Policy?

It can be referred to as a standard health insurance plan that is provided by various health insurance companies in India. The policy is presented by abiding to the respective guidelines by the IRDAI. A typical Arogya Sanjeevani Policy is known to cover two basic types of plans:

  • Individual Plan –Under this plan, a single policyholder will serve as the beneficiary
  • family floater Plan –Under this plan, multiple members of the family can become the respective beneficiaries

Arogya Sanjeevani Policy can be regarded as the “all-in-one” health insurance plan that aims at taking care of the specific financial requirements during emergency times.

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Top Insurance Companies Offering Arogya Sanjeevani Policy

The policy is known to provide access to a wide Range of potential benefits to the respective policyholders based on the type of plan that has been purchased. The policy was lately launched on 1st April, 2020.

Let us have a peek into various insurance companies Offering the Arogya Sanjeevani Policy-

Insurance Company premium Rates Benefits
SBI Arogya Sanjeevani Policy Rs. 8,900, Rs. 13,350 or Rs. 17,800 per annum respectively for a sum Insured of Rs. 1/ Rs. 2 or Rs. 3 lakhs Outpatient treatment, pre & post-hospitalisation coverage, coverage for the entire family
Religare Health Insurance- Arogya Sanjeevani Policy Up to 25% of sum insured or Rs. 40, 000 Hospitalisation expenses, AYUSH Treatment, pre & post-hospitalisation
New India Assurance- Arogya Sanjeevani Policy Rs. 1 lac to Rs. 5 lacs in multiples of Rs.50000 AYUSH treatments, pre & post hospitalisation charges
Royal Sundaram- Arogya Sanjeevani Policy Limit of 25% of Sum insured or Rs. 40,000 Policy for the entire family, pre & post hospitalisation expenses, multiple treatments covered

Arogya Sanjeevani Policy Coverage


The insurance company is responsible for covering the overall cost of treatment due to hospitalisation preparation for some ailment. As per the specific terms of the given insurance policy, you can look forward to receiving the benefit for around 30 days before you are hospitalised.


Under the given policy, you can claim the overall cost of treatment upon hospitalisation from the respective insurer. Various expenses like the hospital stay, bed expenses, nursing charges, and so more come under the given coverage.


Some ailment or surgeries might require continuous treatment upon getting discharged from the hospital. Arogya Sanjeevani Policy aims at covering such expenses under the post-hospitalisation coverage.

In addition to these coverages, some of the additional covers provided by the Arogya Sanjeevani Policy are:

  • ICU expenses
  • Nursing, doctor’s fee, and room rent expenses
  • Daycare treatment
  • Ambulance charges
  • AYUSH care
  • Modern treatments

Eligibility for Arogya Sanjeevani Policy

An individual who is aged between 18 & 65 years of age can apply for the Arogya Sanjeevani Policy. On the Basis of the total size of your family, you can consider buying the given insurance plan for the respective dependent children aged between 3 & 25 years.

All efforts have been made to ensure the information provided here is accurate. However, no guarantees are made regarding correctness of data. Please verify with scheme information document before making any investment.
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