Arogya Sanjeevani Policy : A Uniform Health Insurance Plan


IRDAI has made Arogya Sanjeevani Policy as per the standards of a health insurance plan. All health insurance companies offer Arogya Sanjeevani Policy. Arogya Sanjeevani Policy provides a health insurance cover between 1 lakh rupees to 5 lakh rupees. All insurance companies offer Arogya Sanjeevani Policy, but the difference between them is the premium cost and the services they provide.

Arogya Sanjeevani Policy

There are various benefits of Arogya Sanjeevani Policy. People are underestimating this policy because it covers less amount, but the facilities this policy holds cannot be denied. This policy has various facilities that help a common man during their rough times, and also this policy is less costly as compared to other policies and provides the same benefits and facilities to each policyholder.

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IRDAI has standards for every health insurance policy, and according to many experts, Arogya Sanjeevani Policy will set the new standards of health insurance. This policy is very affordable, and at the same time, it offers the best benefits to an individual and their family. Arogya Sanjeevani Policy has many benefits, and this policy has been very beneficial to the people since its launch in April.

Arogya Sanjeevani Policy


Many people get confused about various health policies as they all are having different benefits. IRDAI launched Arogya Sanjeevani Policy to provide simple health insurance with all necessary facilities. Arogya Sanjeevani Policy has all the same basic facilities and interests like other insurance plans offered by various companies. The difference between all different programs is the service provided by the various insurance companies.

Arogya Sanjeevani Policy is more economical than other health insurance plans. This policy has universal coverage, terms and conditions across all health insurers. Arogya Sanjeevani Policy covers sum insured ranging from 1 lakh rupees to 5 lakh rupees. This policy is very beneficial as it includes not only individuals but also family. The issuing of Arogya Sanjeevani Policy happens online through the portals of various insurance companies. Arogya Sanjeevani Policy is very important for a common man as this policy also covers the hospitalization expenses due to covid-19.

Health insurance

Expenses Covered Under Arogya Sanjeevani Policy

This policy covers various expenses such as hospitalization expenses; It includes the pre and post hospitalization charges due to illness or accident. This also covers hospitalization expenses related to coronavirus. It may also cover alternative treatments done as an inpatient in various hospitals.
Arogya Sanjeevani Policy has a term that for each claim-free year the policyholder would get a reward of 5% bonus. This helps people to buy an insurance policy as they would also get rewards for every claim-free year, and it would cover their family with insurance. These benefits help people to invest for themselves and be financially independent.

Arogya Sanjeevani Policy also covers room rent up to 2% of SI up to 5000 rupees per day. As this policy also covers the room rent, so that reduces the burden of hospitalization expenses on an individual. Arogya Sanjeevani Policy also includes intensive care unit charges up to 5% of the SI, and the maximum limit is 10000 rupees per day. People often face a shortage of funds during critical illnesses and injuries, and such policies help them to manage their funds and reduce the burden of expenses. This policy also covers ambulance charges with maximum coverage of 2000 rupees per hospitalization.
Arogya Sanjeevani Policy also covers plastic surgery or dental treatments caused by an injury or disease. This policy also covers expenses for the treatment of cataract; the policyholders can get 40000 or 25% of the total sum insured whichever is less.

Arogya Sanjeevani Policy

Benefits Of Arogya Sanjeevani Policy

Arogya Sanjeevani Policy has lifelong renewability, the entry in this policy is limited for age 18 to 65, but this policy comes with lifelong renewability. Arogya Sanjeevani Policy has lifelong renewability. But, you have to renew it at the right time.
The premium rates of this policy vary from one insurance company to another, but the average cost of the premium is meagre as compared to other insurance policies. Arogya Sanjeevani Policy works according to the guidelines of IRDAI, so the premium cost of this policy is very less.

This policy has two plans one covers an individual, and the other includes the whole family. Investing in Arogya Sanjeevani Policy is very beneficial as it is affordable and has many benefits at the same time.
There are various treatments that the Arogya Sanjeevani Policy covers. Balloon sinuplasty, deep brain stimulation, oral chemotherapy, and robotic surgeries are some of the many more modern age treatments.

Health insurances



Arogya Sanjeevani Policy covers almost all treatments and expenses even related to covid-19. The benefits that this policy offers at such a low premium have made this policy very useful. People who are buying their first health insurance policy consider Arogya Sanjeevani Policy as the best policy because it is very affordable; it covers the whole family and has many benefits. People who want an affordable health insurance policy which covers all their expenses and offers them the best benefits must study Arogya Sanjeevani Policy at least once.

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People suffer confusion while buying health insurance. But after proper research, it can be concluded that Arogya Sanjeevani Policy is one of the best insurance policies. This policy offers many benefits that are very important for a common man in time of injuries and illness. It covers all expenses which make the treatment very affordable. With just a few improvements, Arogya Sanjeevani Policy would become the insurance policy offering the best facilities and benefits at the most reasonable prices.


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