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National Arogya Sanjeevani Health Insurance

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National Health Insurance
Arogya Sanjeevani Policy
Claim SettlementDedicated Team
Claim Settlement Ratio83.78%
Network Hospitals6,000+
RenewabilityLifelong
Starting Premium for 5 lac SIRs.586/month
Starting Premium for Rs. 5 lakhs SIRs. 586/month

About National Arogya Sanjeevani Health Insurance

Arogya Sanjeevani Policy offered by National Insurance Company is a standard health insurance product that covers individuals and families for basic healthcare expenses. This affordable and easy-to-understand policy offers cover to people aged between 3 months and 65 years, for sum insured options ranging between Rs. 1 Lakh and Rs. 5 Lakh (in multiples of Rs. 50,000). To be able to purchase the policy, the Proposer must be aged between 18 years and 65 years. You can also include dependent children too if they are aged between 3 months and 25 years. Some healthcare expenses that the policy covers you for, include in-patient hospitalisation expenses, daycare procedures, pre-hospitalisation and post-hospitalisation expenses, treatments taken under AYUSH systems of medicines, road ambulance expenses, etc.

Arogya Sanjeevani Policy is an annual policy that comes for a term of 1 year. However, you can renew the policy for a lifetime. Another policy highlight is that there is no requirement for medical check-ups until the age of 45 years, to be covered under this policy. Additional benefits that you can enjoy under the policy are tax benefits under Section 80D of the Income Tax Act, 1961, free look period, cumulative bonus, low co-payment (5%), etc. All in all, the policy is a simplified policy that offers the required insurance cover in today’s times.

Read more: Arogya Sanjeevani Policy

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Key Inclusions and Exclusions of the Plan

What's Included

  • In-patient hospitalisation expenses
  • 30 days pre-hospitalisation and 60 days post-hospitalisation expenses
  • Treatments taken under AYUSH
  • Road ambulance expenses for up to Rs. 2,000 per hospitalisation
  • Daycare expenses

What's Not Included

  • Change of gender treatments
  • Any treatment required due to participation in hazardous or adventure sports
  • Any treatment taken outside India
  • Expenses for cosmetic or plastic surgery
  • Treatment required due to alcoholism, drug or substance abuse

Claim Process at National Health Insurance

  • Network Hospital
  • Non-Network Hospital
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation within 24 hours and for planned hospitalisation intimate within 72 hours prior to admission.
  • 3

    Claim Processing

    Fill in the pre-authorisation form and hand it over to hospital's insurance/TPA desk to initiate claim request.
  • 4

    Claim Settlement

    Once your request is approved, claim is settled. If not approved, claim for reimbursement after discharge.
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation within 72 hours and for planned hospitalisation intimate within 72 hours prior to admission.
  • 3

    Claim Processing

    Submit claim form with original documents such as doctor’s reports, hospital bills, diagnostic tests, etc.
  • 4

    Claim Settlement

    Once your request for reimbursement of expenses is approved, the claim will be settled.

FAQs on Arogya Sanjeevani Policy Health Insurance Plan

  • What are the new age treatments covered under Arogya Sanjeevani Policy, offered by National Insurance Company?

    Some of the new age treatments that Arogya Sanjeevani Policy, offered by National Insurance Company covers you for are as follows: 

    • Balloon Sinuplasty
    • Deep Brain stimulation
    • Oral Chemotherapy
    • IntraVitreal Injections
    • Robotic Surgeries
    • Immunotherapy-Monoclonal Antibody to be given as an injection
    • Bronchial Thermoplasty
    • Stereotactic Radio Surgeries
  • Can I purchase Arogya Sanjeevani Policy on a family floater basis?

    Yes. You can purchase Arogya Sanjeevani Policy either on individual basis or family floater basis. If purchased on a family floater basis, you can include legally-wedded spouse, dependent children, parents, and parents-in-law with the proposer themself, under the fixed sum insured. 

     

  • Can NRIs be covered under Arogya Sanjeevani Policy offered by National Insurance Company?

    Yes. Non-Resident Indians (NRIs) can also be covered under Arogya Sanjeevani Policy offered by National Insurance Company. But they will be required to pay the premium for this policy in Indian currency through an Indian account only. Also, it is mandatory for the NRI to be present in India at the time of policy purchase. 

  • What are the sum insured options available under Arogya Sanjeevani Policy offered by National Insurance Company?

    Arogya Sanjeevani Policy offered by National Insurance Company can be purchased for a sum insured of Rs. 1 Lakh, Rs. 1.5 Lakh, Rs. 2 Lakh, Rs. 2.5 Lakh, Rs. 3 Lakh, Rs. 3.5 Lakh, Rs. 4 Lakh, Rs. 4.5 Lakh, and Rs. 5 Lakh. 

  • Can I avail tax benefits on the premium paid for Arogya Sanjeevani Policy offered by National Insurance Company?

    Yes . You can avail tax benefits on the premium paid for Arogya Sanjeevani Policy offered by National Insurance Company, under Section 80D of the Income Tax Act, 1961.  

     

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