How is the Arogya Sanjeevani Health Insurance Plan Suitable for People?

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Living a healthy life is the main priority of any individual. However, medical emergencies come without any notice, causing a huge financial burden and draining all your savings.


Although health insurance is the ideal way to deal with unexpected costs of hospitalisation and medicines, people hesitate to buy it, considering the high premiums.


This is why the Insurance Regulatory and Development Authority of India (IRDAI) introduced an affordable and comprehensive health insurance policy, Arogya Sanjeevani Health Insurance Plan, in April 2020. To explore why it is a suitable policy for everyone, keep reading.


Why Should You Buy an Arogya Sanjeevani Health Insurance Plan?



  1. Comprehensive Coverage


Arogya Sanjeevani Health Insurance comes with extensive coverage benefits. From pre- and post-hospitalisation expenses, daycare treatment to even cataract surgery and Ayush treatment (e.g. Ayurveda, and Homoeopathy), it got you fully covered.



  1. Affordable Premiums


What makes this policy ideal for everyone is its affordable premiums. Under the IRDAI guidelines, this policy offers an option of flexible sum insured options ranging from ₹50,000 to ₹10,00,000 (in multiples of ₹ 50,000).



  1. Lower Co-payment


Generally, a co-payment amount in health insurance is up to 10% to 30%. However, in the Arogya Sanjeevani policy, the co-payment limits 5% on the claim amount, which is lower than other plans.



  1. Lifelong Renewability


Health risks typically get higher as you grow older. This is why the lifelong renewability option of the Arogya Sanjeevani plan becomes highly beneficial for every policyholder.



  1. Flexibility and Inclusivity


A policyholder will get complete flexibility to extend this insurance coverage to their family. You can include your spouse, dependent children, parents, and parents-in-law under the policy. Moreover, you will get the option to pay the premium amount in instalments.



  1. Cumulative Bonus


The Arogya Sanjeevani policy rewards the policyholder for a claim-free year. This reward, called a cumulative bonus, will increase your sum insured by 5%, up to a maximum of 50%.


What Facilities are not Covered Under an Arogya Sanjeevani Health Insurance Policy?


Here are the key policy exclusions of the Arogya Sanjeevani health insurance plan:



  • Cost related to the treatment of pre-existing diseases (PED).



  • Cosmetic or plastic surgery, unless it is caused by accident or disease.



  • Treatments or surgeries related to gender change.



  • OPD treatments and home treatments.


Who is Best Suited for the Arogya Sanjeevani Health Insurance Plan?


This policy is ideal for:



  • First-time buyers are looking for an affordable insurance plan with broad coverage.



  • Unmarried individuals without children want affordable and basic coverage.



  • Families seeking a single policy covering all family members.



  • Senior citizens (50+) want a lifetime renewability option without policy complications.



  • Individuals want the benefits of standardised features like AYUSH, without complex add-ons.


Final Words


The Arogya Sanjeevani policy is specially designed to make health insurance accessible and affordable to everyone. By purchasing this insurance plan, you can enjoy comprehensive medical facilities such as modern treatment and ambulance expenses.


If you have not purchased any health insurance plan yet or are planning to buy one, this policy is ideal.