Arogya Sanjeevani Health Insurance Policy in India 2024
The Arogya Sanjeevani Health Insurance is a standard health insurance plan that covers you for healthcare expenses with a sum insured ranging from 3 lakhs to up to 2 crores. This coverage includes pre and post-hospitalization expenses, hospital room rent (stay and bed charges), ICU services, and even new-age treatments.
With the Arogya Sanjeevani Health Insurance offered by Digit, you can choose between a family floater plan or an individual policy for you and your family.
What is the significance of the Arogya Sanjeevani Health Insurance policy?
If you’re someone who’s often felt boggled down, and confused over all the varying health insurances online, you’re not alone. That’s why, The Arogya Sanjeevani Health Insurance was launched by the IRDAI, as an approach to simplifying health insurance by providing a basic, standard plan that will be offered by all health insurance companies, with similar benefits.
Perhaps the only thing that differentiates one from another, is the service offered by each health insurance provider during the buying and claim process, the cashless hospitals available in each insurer’s network, and the arogya sanjeevani policy premium.
*Disclaimer - The premium of ₹640/month is calculated for a 30-year-old male with no health conditions for a sum insured of 1 Crore. GST is not included in this premium amount.
Why should you buy the Arogya Sanjeevani Policy?
Both healthcare expenses and healthcare conditions are on the rise in India.
The Arogya Sanjeevani Policy is one of the most affordable health insurance policies in the market today.
Having at least a basic health insurance is key to smart financial planning and investing!
India is still dealing with the COVID-19 pandemic. The Arogya Sanjeevani Policy could be a cost-effective option to cover you from both the COVID-19 & other illnesses in the long term.
What's great about a Arogya Sanjeevani Policy by Digit?
Simple online processes - From buying your policy to making claims, everything is easy, quick, paperless, and hassle-free! No hard copies needed!
Sum insured - Customize your sum insured based on your requirements!
Covers pandemics like the coronavirus – India is one of worst affected countries when it comes to the COVID-19. We cover the same as part of our health insurance so you needn’t really get a separate coronavirus policy.
Cumulative bonus - Get rewarded for staying healthy! You’ll be eligible for a yearly cumulative bonus for claim-free years.
Get treated at any hospital - Choose from 16400+ of our network hospitals in India for cashless treatment or opt for a reimbursement.
Minimal copayment - During a health insurance claim, you just need to pay 5% of the claim amount from your pocket.
24X7 customer assistance - If you need any help, you can use our 24x7 call facility even on National Holidays
Super easy claims – Our claims process is completely technology-enabled, that’s why claims are not only easy to make but easy to settle too.
Arogya Sanjeevani Policy Premium Chart and Calculator
Digit’s Arogya Sanjeevani Policy has Sum Insured options from as low as ₹3 Lakhs up to ₹2 crores in multiples of ₹50,000. Here is the Arogya Sanjeevani Policy Premium comparison for Sum Insured for the minimum of ₹3 lakhs and the maximum ₹2 crores, for one person.*
| Age Group | Arogya Sanjeevani Policy Premium (SI 3 lakhs) | Arogya Sanjeevani Policy Premium (SI 2 crore) |
| 18-25 | ₹2,414 | ₹9,642 |
| 26-30 | ₹2,503 | ₹9,999 |
| 31-35 | ₹2,803 | ₹11,197 |
| 36-40 | ₹3,702 | ₹13,333 |
| 41-45 | ₹4,698 | ₹18,764 |
| 46-50 | ₹6,208 | ₹24,799 |
| 51-55 | ₹8,420 | ₹33,633 |
| 56-60 | ₹11,569 | ₹46,211 |
What’s covered under Arogya Sanjeevani Health Insurance Policy?
List of New-Age Treatments covered in Arogya Sanjeevani Policy
What’s not covered?
- Any hospitalization or pre-hospitalization expenses not related to the medical claim made will not be covered.
- Obesity or weight control related surgeries not related to any co-morbidities will not be covered.
- Change of gender treatments are not covered under this policy.
- Cosmetic and plastic surgeries unless for reconstruction following an accident, cancer, or to remove a direct and immediate health risk are not covered.
- The Arogya Sanjeevani Policy does not cover domiciliary care or OPD expenses.
- Claims resulting from committing or attempting to commit a criminal act will not be covered.
- Treatments due to substance abuse are not covered in the Arogya policy.
- Medical expenses relating to participation in hazardous or adventure sports are excluded.
- Maternity related expenses are not part of this policy.
- Sterility and fertility treatments are not covered.
- Treatments without a doctor’s recommendation or not necessitated medically will not be covered.
How to file a Claim?
Reimbursement Claims - Let us know in case of a hospitalization within two days of admission at 1800-258-4242 or email us at healthclaims@godigit.com and we'll send you a link where you can upload your hospital bills and all relevant documents to process the reimbursement.
Cashless Claims - Choose the network hospital. You can find the complete list of network hospitals here. Display e-health card to the hospital helpdesk and ask for the cashless request form. If all is good, your claim will be processed then and there.
If you have claimed for Coronavirus, make sure you have a positive test report from an authorized centre of ICMR – National Institute of Virology, Pune.
Key Features of the Arogya Sanjeevani Policy
| Sum Insured | 3 lakhs to 2 crores |
|---|---|
| Copayment | 5% compulsory copayment |
| Premium | Starting from ₹2414 per year* |
| Room Rent Capping | 2% of your Sum Insured (up to 5,000) |
| Cumulative Bonus | 5% extra in your Sum Insured for every claim-free year |
| Claim Process | Digital friendly, no hardcopies! |
| Options Available | Family Floater & Individual Policy |
Standard Benefits of the Arogya Sanjeevani Health Insurance Policy
While the entry level for the purchase of this policy is limited to those between the ages 18 to 65 years, this policy comes with lifelong renewability, as long as you renew it on time.
Since this is a basic, standard policy set by the IRDAI, the arogya sanjeevani policy premium for the same is comparatively lower than other health insurance policies in the market.
Every health insurance comes with independent copayment limitations. Some have a 10-20% copayment, while some come with no copayment at all. In this policy, there is a minimum copayment of 5% only; i.e. during claims you will have to 5% of the expenses from your pocket.
The Arogya Sanjeevani Policy offered by Go Digit General Insurance comes with two plans available: An Individual Health Policy (One policy each for a family member) and a Family Floater Health Insurance (One policy for the entire family).
Under the Arogya Sanjeevani Health Insurance Policy, the sum insured you can choose is limited from 3 lakhs to 2 crores.
Who should buy the Arogya Sanjeevani Policy?
The Arogya Sanjeevani Policy benefits are almost the same across all insurers and is the most affordable health insurance policy in the market currently. So, if you’re still young and are only just beginning your journey with a health insurance, buying a basic health insurance plan like the Arogya plan for now may be suitable since you are less likely to need a sum insured of more than 5 lakhs and you may not want to spend too much on your health insurance premium just yet.
Since the COVID-19 outbreak, people are increasingly looking for a health insurance policy that will cover them if they’re infected with the same. If you too are looking for such a policy, the Arogya Sanjeevani Policy could be a better option given that it costs almost the same as coronavirus specific plans and covers the COVID-19 among other diseases and illnesses too. The best part is it comes with lifelong renewability as compared to individual coronavirus plans that expire in just a few months.
If you’d like to protect you and your family with a health insurance but don’t want to spend too much on your annual health insurance premium, you can opt for the Arogya Sanjeevani Health Insurance Policy which is currently one of the most affordable options in the market today.
How to buy Arogya Sanjeevani Policy online?
Buying an Arogya Sanjeevani Policy online is a very easy process, as simple as 123:
- Step 1: Visit the Digit website or mobile app and on the Arogya Sanjeevani page, enter your mobile number and PIN code.
- Step 2: Enter a few details, such as who is included in the policy, birth date, preferred sum insured amount, basic medical info, and contact details.
- Step 3: Once you have shared this information, you will get a final quote and you can proceed with the payment. Then, you’ll get the policy in just a few minutes in your inbox.
Renewing your policy is even easier. All you have to do is sign in with your registered mobile number (or policy details), confirm your details, and make the payment. That’s it!
FAQs about Arogya Sanjeevani Health Insurance
Is coronavirus covered under the Arogya Sanjeevani health insurance policy?
Yes, the coronavirus will be covered under the hospitalization benefit.
Who can buy the Arogya Sanjeevani policy, Go Digit?
Anyone between the ages of 18 years to 60 years is eligible to buy the Arogya Sanjeevani Health Insurance Policy.
What is the maximum sum insured under the Arogya Sanjeevani policy, GoDigit?
Under the Arogya Sanjeevani Health Insurance Policy GoDigit, you can buy a cover of minimum 3 lakhs, and maximum 2 crores.
What is the difference between an Individual and Family Floater Arogya Sanjeevani policy?
At Digit, the Arogya Sanjeevani policy comes with two options to choose from; you can either protect your entire family with one policy, I.e Family Floater (maximum sum insured of 2 crores) or buy an Individual Policy for each family member. (you can choose between 3 lakhs to 2 crores as Sum Insured)
Is there a waiting period involved for the Arogya Sanjeevani policy?
Yes, there is. The waiting periods in this policy varies upon the type of disease: 24 months and 48 months. This means that for certain diseases, you will be covered only when the waiting period specified for the disease has passed.
Can I port my existing policy to Arogya Sanjeevani policy, Go Digit?
Yes, you can!
Do I need to pay from my pocket during claims?
Yes, as per the policy conditions, all Arogya Sanjeevani Health Policies come with a 5% Copayment.
Is there a room rent cap for Arogya Sanjeevani policy?
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.
Can i extend my coverages than the ones provided?
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.
Can I increase my sum insured beyond the set brackets?
No, as per the terms and conditions of the Arogya Sanjeevani policy, you can choose your sum insured from 3 lakhs to 2 crores only.
Do I have to pay a compulsory copayment?
Yes, as per the terms and conditions of the Arogya Sanjeevani Policy, there is a compulsory copayment of 5% to be paid during claims.
What is the policy tenure of Digit’s Arogya Sanjeevani policy?
The tenure for the Arogya Sanjeevani Policy from Digit is for 1 year. If you want your coverage to continue post this period, you will have to renew your policy.
What is the age limit and eligibility for Arogya Sanjeevani policy by GoDigit?
Yes. Under this policy, the entry age limit for adults is 18 years to 60 years. While for dependent children under a family floater plan, it is 3 months to 25 years. However, there is no age limit for renewals.