What Is the Aarogya Sanjeevani Health Policy?

What Is the Aarogya Sanjeevani Health Policy?

Arogya Sanjeevani is a new health policy formulated by the Insurance Regulatory and Development Authority of India (IRDAI). This policy was launched on April 1, 2020, by general insurers in India. The health coverage is available from INR 1 lakh to INR 5 lakh.

The Arogya Sanjeevani policy covers hospitalization expenses along with treatment costs in case you are diagnosed with the novel coronavirus. The two types of plans include individual and family floater coverage.

Reasons to buy Arogya Sanjeevani policy

  • Affordable health insurance plan
  • Useful for financial planning and investment
  • Coverage against expenses incurred in case of COVID-19

Policy premium chart

The premium depends on the sum insured (SI) and your age. Here is an indicative premium payable towards the Arogya Sanjeevani medical insurance policy for different age groups and SI:

Age group SI of INR 3 lakh SI of INR 5 lakh
18 – 25 INR 2,414 INR 2,810
26 – 30 INR 2,503 INR 2,914
31 – 35 INR 2,803 INR 3,263
36 – 40 INR 3,702 INR 4,317
41 – 45 INR 4,698 INR 5,468
46 – 50 INR 6,208 INR 7,226
51 – 55 INR 8,420 INR 9,800
56 – 60 INR 11,569 INR 13,466

Coverage under Arogya Sanjeevani policy

You may buy this online health insurance policy to avail of basic coverage if you are still uninsured. The policy covers:

  1. Hospitalization expenses

These include pre- and post-hospitalization costs as per the policy document. The expenses covered include hospital stay, diagnostic tests, medications, doctors’ charges, and surgical costs. In addition to such expenses due to an accident or ailment, the policy covers treatment-related costs for coronavirus.

  • AYUSH treatment

This policy takes care of the expenses incurred for alternative treatments like Ayurveda, Yoga and Naturopathy, Unani, Siddha, and Homeopathy (AYUSH). However, you need to avail of the treatment at a certified facility.

  • No-Claim Bonus (NCB)

Insurers provide NCB for every claim-free year. The accumulated benefits are advantageous as your regular SI increases when you do not file a claim, thereby enhancing your coverage.

  • Others

This mediclaim policy allows you to choose different types of rooms, where the maximum per day rent is capped at INR 5,000. Moreover, ambulance charges of up to INR 2,000 are covered along with the Intensive Care Unit (ICU) and Intensive Care Cardiac Unit (ICCU) expenses.


  • Medical treatment taken in case of an action that broke the law
  • Plastic or cosmetic surgery
  • Adventure sports or hazardous activities
  • Weight-related treatment expenses
  • Maternity expenses

Before you choose your policy, you must compare health insurance policies that are available to make the right decision.