What is Arogya Sanjeevani Health Insurance?

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The Arogya Sanjeevani Health Insurance is a standard individual health insurance product mandated by India's IRDAI (Insurance Regulatory and Development Authority of India). With a range of Rs. 50,000 to Rs. 10 lakh, this policy provides hospitalisation coverage for both basic and advanced treatments, as well as medical coverage for individuals and families.


Scroll down to explore the highlights of this policy, which is being offered by 30 general and standalone health insurance companies in India as of December 29, 2025.


What are the Key Features of the Arogya Sanjeevani Policy?


Here is the list of highlights of the Arogya Sanjeevani Policy:



  1. Sum Insured and Policy Basis


With this policy, you get a sum insured ranging between Rs. 50,000 to Rs. 10 lakh (in multiples of Rs. 50,000). You can opt for this policy on either an individual or family floater basis.


This policy can cover self, dependent spouse, children, parents, and even parents-in-law for healthcare needs.



  1. Hospitalisation Coverage


It covers hospitalisation expenses due to any illnesses or injuries, including inpatient, daycare procedures, ambulance charges, ICU/ICCU charges, doctor fees, etc.



  1. Basic to Modern Treatments Coverage


From cataract surgery and dental treatment to expenses related to HIV, mental health, and genetic conditions, all are payable under this policy.


Coverage for treatments like Balloon Sinuplasty, Oral Chemotherapy, Robotic Surgeries, Bronchial Thermoplasty and Stem Cell Therapy is limited to 50% of the total sum insured.



  1. Pre and Post-Hospitalisation


The policy covers expenses from 30 days before hospitalisation to 60 days after discharge from the hospital.



  1. Pre-existing Lifestyle Diseases


Beneficiaries can receive a loading of 5% pre-existing lifestyle illnesses such as diabetes, hypertension, and BMI >32.



  1. AYUSH Treatments Coverage


Your entire family can receive 100% coverage for Ayurveda, Yoga, Naturopathy, Unani, Siddha, and Homoeopathy.



  1. Room Rent and ICU/ICCU Limit


Basic room rent coverage is up to 2% of the sum insured, a maximum of Rs. 5,000 per day. And it is up to 5% of the sum insured, a maximum of Rs. 10,000 per day as ICU/ICCU Charges.



  1. Cumulative Bonus


You can receive a cumulative bonus of 5% for each claim-free year (up to 50% of the sum insured).



  1. Co-payment and Waiting Period


Mandatory 5% co-payment on all claims and a 30-day waiting period exist under this policy.


What is the procedure for Availing Cashless Claims?


To avail cashless benefits under the Arogya Sanjeevani Policy, you need to follow the steps given below:


Step 1: Treatment starts at a network provider after pre-authorisation by an authorised TPA.


Step 2: Fill out the cashless request form and send it to the TPA for authorisation.


Step 3: After verification, the TPA will issue a pre-authorisation letter to the network provider.


Step 4: The insured person needs to verify every detail, sign the discharge papers and pay the cost of non-medical expenses.


The TPA can deny pre-authorisation if they don’t get the relevant medical details from the beneficiary. If cashless treatment is denied, the insured can proceed with treatment as advised by the doctor and later submit documents for reimbursement.