1. Arogya
Sanjeevani Policy

2. Arogya Sanjeevani Policy
Arogya Sanjeevani Policy is a standard individual health
insurance product, which has been launched as per the
guidelines issued by IRDAI at very affordable premium rates. The
coverages offered by this policy are same across all the insurers.
The idea behind launching this product is to encourage more
people to buy a suitable health insurance policy, so that they do
not feel financially burdened during hospitalization and any
medical emergency.

3. Key Features
• Sum Insured options from INR 1 Lakh to INR 5 Lakh (in
multiples of 50,000)
• Payment of Premium on installment basis
• Lifetime renewal facility
• Age Eligibility:
• Self, Spouse, Parents and Parents-in-law: 18 years to 65 years
• Children: 3 months to 25 years
• Free Look period of 15 days
• Annual Policy
• Policy Types:
• Arogya Sanjeevani Policy, Bajaj Allianz General Insurance Company –
Individual
• Arogya Sanjeevani Policy, Bajaj Allianz General Insurance Company –
Family Floater

4. Coverages
• Coverage for hospitalization expenses
including COVID-19
• Coverage for AYUSH treatment
• Coverage for Cataract treatment
• Coverage for all Day Care Treatments
• Coverage for Road Ambulance
expenses up to INR 2,000 per
hospitalization
• Coverage for room rent up to 2% of the
SI maximum up to INR 5,000 per day

5. Coverages
• Coverage for Intensive Care Unit (ICU)
/ Intensive Cardiac Care Unit (ICCU) up
to 5% of the sum insured subject to
maximum of INR 10,000/-, per day
• Coverage for pre & post hospitalization
expenses (30 days and 60 days
respectively)
• Coverage for Plastic surgery and dental
treatment necessitated due to disease
or injury
• Coverage for Listed Modern Treatment
Methods

6. Benefits
• Affordable Premium
• Payment of Premium on installment basis
(annual, half yearly, quarterly or monthly)
• Hassle-free claim settlement
• Various discounts such as family discount
and online/Direct Business Discount
• 5% cumulative bonus on Sum Insured for
every claim free year, maximum up to 50%
• Co-Payment of 5% available on total claim
amount
• No pre-policy check-up till 45 years of age

7. Exclusions
• Any disease contracted during the first 30 days of commencement of
the health insurance policy
• Treatment taken outside the geographical limits of India
• Any form of plastic surgery unless necessary for the treatment of
cancer, burns or accidental Bodily Injury
• Intentional self-injury
• Treatment for Alcoholism, drug or substance abuse or any addictive
condition and consequences thereof
• Experimental, unproven or non-standard treatment
• Circumcision unless required for the treatment of Illness or
Accidental bodily injury
*Please refer to the policy wordings for detailed Terms & Conditions.

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