Health disorders can lead to high medical expenses when a person gets admitted into a hospital. Therefore, it is necessary to buy a health insurance plan from a company to ensure financial stability. Health insurance provides coverage for treatments and various medical services thereby showing ways to reduce mental worries. On the other hand, customers should buy Arogya Sanjeevani policy online because it provides comprehensive coverage at affordable premiums. The policy provides ways to manage medical inflation that will help overcome expensive medical costs to reduce stress and mental worries.

What is the Arogya Sanjeevani health insurance policy?

Arogya Sanjeevani health insurance is a basic and standard policy introduced by IRDAI that aims at providing coverage for families and individuals with the best features. It provides coverage up to 5 lakhs for policyholders to undergo high-quality treatments in hospitals with ease. However, the services and the premiums may vary from one insurance provider to another insurance provider in a location. Hence, it is wise to know more about the details before buying a plan. The minimum entry age for the plan is 18 years and customers can check the eligibility and other information on a company’s website.

What are some key features of Arogya Sanjeevani health insurance?


Buying an Arogya Sanjeevani health insurance policy is more economical when compared to other plans. A person can choose either an individual plan or afamily floater plan based on his/her requirements.

No upper age limit

Some insurance companies offer this plan with no upper age limit that offers lifelong coverage. Moreover, they show ways to renew the policy which gives ways to meet exact needs in the coverage process.

Low co-payment

The policy includes only 5% co-payment allowing policyholders to pay the same without any difficulties. This, in turn, gives ways to claim amounts as soon as possible to witness peace of mind from high medical expenses.

No health check-ups for up to 45 years of age

Arogya Sanjeevani’s health insurance plan involves no health check-ups for up to 45 years of age that will help reduce expenses to a large extent. At the same time, new policy buyers should make sure that whether a company offers such option with more attention.

15-day free looking period

Many insurance companies offer a 15-day free looking period for customers to review the features and other things. It allows a person to determine whether to buy the plan or not from a company.

Ideal for first-time buyers

The policy is ideal for first-time buyers because it contributes more to get a wide range of cover at minimal prices. Not only that, but the family plan also offered by Arogya Sanjeevanigives ways to get coverage for spouses, child, parents, and others with a single premium.

Tax benefits

Customers are eligible to apply for the tax deductions after purchasing the policy from a company that will reduce expenses significantly.

Things covered under Arogya Sanjeevani health insurance

Pre-hospitalization & post-hospitalization

The policy offers coverage for pre-hospitalization & post-hospitalization for critical illnesses that will help overcome unwanted problems. At the same time, it has a waiting period of 30 days for pre-hospitalization and 60 days for post-hospitalization.

Road Ambulance coverage

Not everyone can afford road ambulance coverage and buying the policy allows a person to get coverage up to Rs.2000 per hospitalization.

Hospitalization expenses

The policy offers coverage for hospitalization expenses by addressing the exact needs of a policyholder. Some of them include nursing, doctor’s fees, bed charges, room rent, hospital stay, surgeries, cataract treatments, and organ transplants.

AYUSH treatment

AYUSH is a new feature offered by the policy which provides coverage for policyholders when they want to choose alternative treatments. It is ideal for those who want to choose Ayurveda, Yoga and naturopathy, Unani, Siddha, and Homeopathy treatments in a hospital.

New-age treatments

The policy offers coverage for new-age treatments such as robotic surgeries, stem cell therapy, chemotherapy, Bronchial Thermoplasty, etc. A policyholder can claim amounts up to 50 % of the sum insured that give ways to ensure high recovery rates.

Where to buy the Arogya Sanjeevani health insurance?

While buying the Arogya Sanjeevani, a customer should select the right company from the markets. Care Insurance makes feasible ways to purchase the plan at estimated budgets that will help lead a problem less life. The company offers excellent customer care support for people who want to get answers to various questions. It provides ways to manage the increasing medical costs during medical emergencies. Apart from that, the company guides customers to buy the plan online easily which saves more time. Also, it has a good name in the markets due to high claim settlement ratios. The plan allows policyholders to get coverage for pre-existing illnesses with a waiting period of 48 months.