Arogya Sanjeevani


 Arogya Sanjeevani  Health insurance Plan

In time of  any health issue , a basic Health insurance is better than nothing .

Insurance regulator IRDAI introduced a Basic health insurance policy,  named  "Arogya Sanjeevani" to not overpower a first time health insurance  plan buyer .

The policy is the same whether bought from a private or public sector insurer. It will include the name "Arogya Sanjeevani" followed by the name of that insurer. A policyholder can avail of the cashless facility across the network hospitals of an insurer and get can get his or her medical expenses reimbursed. Between the insurance companies offering Arogya Sanjeevani, the only differentiating factor is in the premium and the process of on-boarding a customer. The buyer has to make a decision on the basis of the goodwill and brand of insurer and the cost, instead of comparing a long list of riders across different products.
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Govenments main aim of launching Arogya Sanjeevani is to take care of the basic healthcare expenditure of the public ,like in some countries it is compulsory for citizens to have a health Insurance. Arogya Sanjeevani has basic mandatory covers such as hospitalisation, including for Covid-19, day-care treatment, pre- and post-hospitalisation expenses, and offers tax benefits under sec 80(C).
The idea behind the introduction of Arogya Sanjeevani policy was to provide a simple and basic level health insurance product to consumers with a cover of up to Rs 5 lakh for hospitalisation in case of  injuries or illnesses. Arogya Sanjeevani was introduced to encourage more people in India to opt for health insurance products to cover basic hospitalisation charges without being confused by the endless number of health policies offered by insurance companies.
IRDAI has banned insurers to impose deductibles or offer riders and variants with this policy.

Features of Arogya Sanjeevani
It covers basic hospitalisation expenses like day-care treatment, pre and post-hospitalisation expenses.

The policy terms under Aarogya Sanjeevani are the same irrespective of the insurance company you buy from.

Available for both individual and on family basis.

Minimum sum insured is Rs 1 lakh and the maximum is Rs 5 lakh.

Minimum entry age: 18 years, maximum entry age: 65 years. For children under 'Family Floater' policies, the entry age: 3 months, exit: 25 years.

It is annually renewable with a grace period of 30 days, with a lifelong renewability option.


No add-ons and optional covers available.

Room rent, boarding and nursing expenses are capped up to 2 per cent of the sum insured and maximum Rs 5,000 per day. Intensive Care Unit (ICU) / Intensive Cardiac Care Unit (ICCU) expenses are capped up to 5 per cent of the sum insured and maximum Rs 10,000 per day. The maximum ambulance covered under this policy is Rs 2,000 per hospitalisation.

As a special benefit, plastic surgery and dental cover in case of injury or illness are provided.
Cumulative bonus facility is available, that is, an additional increase in sum insured (up to a maximum of 5 percent) without any increase in existing premium payment.

Portability has been allowed in health insurance.
No claim rejection after 8 years

Cooling and waiting period -Except accident no other ailments will be covered in the first 30 days of the Arogya Sanjeevani policy. For any pre-existing diseases the insured person will have to wait for 48 months to get coverage under the policy.

Which insurance company is best  to purchase Arogya Sanjeevani?

Under the Arogya Sanjeevani health insurance policy, coverage, exclusions and aspects of the policy such as co-payment (cost-sharing arrangement that is, a certain percentage of claim amount that the customer has to compulsorily pay from his/her pocket) and sub-limits (cap on coverage for a particular treatment), are the same across insurers.

However, premium and process of on-boarding a customer will vary between the insurance companies. Therefore, the decision of which insurer should one choose will rest on the credentials of their insurer, the cost of premium offered, their network of hospitals for the cashless facility (or reimbursement of incurred expenses) and their customer service.

You could also look at the convenience of their online services to purchase insurance as well as pay the premium, if that is important to you. Further, due to the standardisation, a customer can seamlessly port between insurers if he/she is not happy with their existing insurer's service.



As mentioned in upper paragraphs, the Arogya Sanjeevani policy is a simple health plan with a cover of up to Rs 5 lakh. It will probably suit those who do not have a good health insurance cover from their employer, are young and new to the health insurance buying terms. Its kind of Cheap and best health insurance.

However, if you have dependents (parents or children), Rs 1 to 5 lakh cover may not be sufficient considering the high costs of hospitalisation in private hospitals based in metro and urban areas. You can search for some other insurance policies for better coverage of your and your family needs.


Arogya sanjeevani - IRDAI GUIDELINES


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