Arogya Sanjeevani Health Insurance Policy

The Arogya Sanjeevani Policy provides a sum insured range from ₹50k to ₹25 Lakh, ensuring standardized yet affordable coverage.

 It covers hospitalization expenses, ICU charges, ambulance costs, AYUSH treatments, modern treatments (like robotic surgeries & chemotherapy), and pre & post-hospitalization expenses.

A 5% co-payment is applicable on all claims, meaning policyholders must pay 5% of the total claim amount out-of-pocket before the insurer covers the rest.

You can enhance your sum insured only at the time of policy renewal, subject to medical underwriting and approval.

Pre-existing diseases are covered after a waiting period of 36 months, provided the policy remains active.

 Cashless hospitalization is available at network hospitals of the insurer, making the claim process hassle-free.

The sum insured under the Arogya Sanjeevani Health Insurance Policy typically ranges from ₹50,000 to ₹10,00,000. This wide range allows policyholders to choose the coverage amount that best suits their medical needs and financial capacity within standard health insurance plans.

Yes, pre-existing diseases are covered under the Arogya Sanjeevani Health Insurance Policy, but only after a 36-month waiting period of continuous coverage. This ensures that long-term policyholders benefit from protection against previously diagnosed health conditions.

Yes, cashless treatment is available at network hospitals under the Arogya Sanjeevani Health Insurance Policy. By using the insurer’s empanelled hospitals, policyholders can avoid upfront payments and receive treatment without financial stress, making it a convenient option among health insurance plans.

No, outpatient or OPD expenses are not covered under the Arogya Sanjeevani Health Insurance Policy. The plan is designed primarily for inpatient hospitalisation, day care procedures, and specified treatments, making it ideal for those seeking affordable floater health insurance policy coverage.

To file a claim, you generally need the completed claim form, identity proof, hospital bills, payment receipts, discharge summary, diagnostic reports, and prescriptions. In some cases, additional documents, such as FIRs or medico-legal reports, may be required for accident-related claims.

Yes, the Arogya Sanjeevani Health Insurance Policy has a mandatory 5% co-payment on all claims. This means the insured must bear 5% of the admissible claim amount, while the insurer pays the remaining 95%, ensuring a shared responsibility for medical expenses.

You can track your claim status by visiting the insurer’s official website, using their mobile app, or contacting customer service with your policy number. Regular updates on claim progress make the Arogya Sanjeevani Health Insurance Policy transparent and user-friendly.

Most claims under the Arogya Sanjeevani Health Insurance Policy are processed within 7 to 15 working days after the complete documents are submitted. The actual time may vary depending on the complexity of the case and verification requirements.

The claim process involves informing the insurer about the hospitalisation, submitting the required documents, and opting for either cashless or reimbursement claims. The insurer reviews and approves the claim after verification, ensuring smooth settlement under this standard health insurance policy.

Yes, a 30-day grace period is provided for renewing the Arogya Sanjeevani Health Insurance Policy. During this period, you can pay the premium to continue coverage and retain benefits such as waiting period credits and cumulative bonuses.

Premiums may increase on renewal due to factors such as a change in age bracket, an insurer's revision of premium rates, or opting for a higher sum insured. However, the coverage and benefits under the Arogya Sanjeevani Health Insurance Policy remain standardised.

Yes, portability is allowed under IRDAI guidelines. You can switch insurers during renewal while retaining credit for waiting periods. This ensures flexibility if you want to continue with the same benefits under another insurer’s health insurance plans.

If you miss the renewal grace period, the Arogya Sanjeevani Health Insurance Policy will lapse, leading to loss of continuity benefits like waiting period credits. To avoid this, renew the policy on time and safeguard uninterrupted health insurance coverage.

 It is advisable to initiate the renewal process at least a few weeks before the expiry date. This ensures timely premium payment, continuous coverage, and uninterrupted protection under the Arogya Sanjeevani Health Insurance Policy without depending on the grace period.