Arogya Sanjeevani Health Insurance Policy
About the Arogya Sanjeevani Health Insurance Policy
Arogya Sanjeevani Health Insurance Policy is the newly formulated Standard Health Insurance Product (SHIP) mandated by the Insurance Regulatory and Development Authority of India (IRDAI) effective from April 01, 2020. In response to the COVID-19 pandemic, IRDAI mandated all health insurers to put forward a basic as well as a standard health insurance policy for both individuals and for families.
Arogya Sanjeevani Policy revolves around simplifying health insurance for customers by presenting a basic and standard policy offered by all the health insurers with exactly the same benefits. However, the plan’s premium and the services offered during the purchase process, claim settlement, and other related processes differ from one health insurance service provider to another.
Under the Arogya Sanjeevani policy, the policyholders can avail coverage ranging from Rs.1 lakh to Rs.5 lakh. The plan also covers the hospitalization expenses due to COVID-19. It offers comprehensive coverage for hospitalization expenses including pre and post-hospitalization expenses, bed charges, nursing charges, ICU & doctor consultation charges, and much more. Another highlight of the Arogya Sanjeevani Policy is that it requires no medical check-ups up to 45 years of age.
Arogya Sanjeevani Health Insurance Policy offers two types of coverage options:
- Individual Plan: Under this option, only one policyholder is the beneficiary.
- Family Floater Plan: This option extends to the entire family of the primary policyholder. Dependents, such as spouse, children, parents and parents-in-law can be included in a single policy to avail the benefits of the Arogya Health Insurance Scheme.
Arogya Sanjeevani Health Insurance FAQs