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Arogya Sanjeevani Individual
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It’s a Health Insurance Policy, mandated by the (IRDAI) to remove ambiguity in different products by different insurance companies and bring in uniformity in features and structure


  • Sum insured of Rs 50000 to Rs 10,00,000
  • Minimum entry age is 18 years and maximum entry age is 65 years, The minimum entry age for Children under this policy is between 3 months and 25 years
Title Description
Ambulance Expenses Expenses incurred on road Ambulance subject to a maximum of Rs.2000/- per hospitalization.
Co-Payment 5% co pay on all claims
Day Care Procedure Coverage All the day care treatments covered
ICU Daily Rent Limit Up to 5% of sum insured subject to maximum of Rs. 10,000/- per day.
Minimum Hospitalization Period 24 hours
No Claim Bonus 5% in respect of each claim free policy year,subject to maximum of 50%. In case of claim the cumulative bonus accrued shall be reduced at the same rate at which it has accrued.
Non-Allopathic Treatments The Company shall indemnify medical expenses incurred for inpatient care treatment Under Ayurveda, Yoga and Naturopathy, Unani, Siddha and Homeopathy system of medicines
Nursing Allowance Up to 2%of the sum insured subject to maximum of Rs.5000/- per day.
Post Hospitalization Expenses 60 days
Pre-Existing Disease / Illness coverage Pre existing disease shall be covered after a waiting period of 4 years
Pre-Hospitalization Expenses 30 days
Room Rent Limit Up to 2%of the sum insured subject to maximum of Rs.5000/- per day.
Waiting Period for New Policy 30 days