‘Arogya Sanjeevani’ is an affordable and simple health insurance policy approved by IRDAI. All general insurance companies have been authorised to provide this policy to their customers. It is not ‘sponsored’ by the government. People who want Arogya Sanjeevani health insurance policy, need to purchase it on their own.

Yes. Under this policy, the entry age limit for adults is 18 years to 65 years. While for children when you buy a family floater plan, it is 3 months to 25 years.

The tenure for this policy is 1 year. 

Under this policy, you can cover 2 adults and three dependent children. Additionally, you can buy this plan for parents and parents in law as well

Insured can select the sum insured only up to a maximum of Rs. 10 lakh, and in multiples of Rs. 50,000. Cannot increase coverage beyond Rs. 10 lakh.

Insured who are 56 years & above will have to undergo Medical Test defined by Universal Sompo General Insurance

No. Only children cannot be covered in this policy, although you can cover your children along with yourself and your spouse.

Yes, you can claim tax benefits under Section 80D of the Income Tax Act, 1961. An individual can claim a deduction on the premium paid for the insurance of self, spouse, and dependent children up to Rs. 25,000.

The waiting period is the time you need to wait before you can avail of a specific benefit from the date your policy or coverage starts. For example, If you bought a policy on 1st August 2020, you’ll only be able to claim for hospitalisation costs against Coronavirus after 31st August 2020. You can check the waiting period in the policy schedule

Yes, pre-exsiting disease covered under Arogya Sanjeevani health plan after 48 months waiting period.

No there are no Plans available

Yes, Coronavirus covered under Arogya Sanjeevani policy

Yes, as per the terms and conditions of the Arogya Sanjeevani Policy, there is a compulsory copayment of 5% to be paid during claims

No, the Arogya Sanjeevani policy only comes with standard benefits included in the plan. There are no add-ons or covers you can opt for.

Yes, whilst the standard room rent allowed is 2% SI, the maximum cap is that of Rs 5,000 per day which is a decent amount considering most hospitals offer good rooms at this price.

Yes, as per the policy conditions, all Arogya Sanjeevani Health Policies come with a 5% Copayment.