Arogya Sanjeevani Policy: A simplified health insurance for all your health needs

Do you find it daunting to pick the right health insurance product? With Arogya Sanjeevani Policy from Navi General Insurance, you get an easy to understand health cover to protect your family and you

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Arogya Sanjeevani Policy from Navi General Insurance

High medical inflation, rising occurrence of lifestyle diseases, and unexpected outbreaks of viral infections such as the Coronavirus, have made health insurance a must for all. That said, buying health insurance can be a daunting task. So many terms and conditions to comb through, and at the end of it all do you really know what you are covered for? How much would you have to pay out of your pocket and how much would the insurer pay for? Worry not, our Arogya Sanjeevani Policy simplifies it all.

Arogya Sanjeevani Policy is designed specifically for first-time buyers. It offers standard coverage, as mandated by IRDAI, making it easy to understand yet comprehensive in coverage.

Type of Policy
  • Individual Policy – Individual Sum Insured for each family member.
  • Family Floater Policy – Sum Insured is shared among the entire family.
Sum Insured
  • Minimum sum insured is ₹ 1 Lac
  • Maximum sum insured is ₹ 5 Lacs (in multiples of ₹ 50,000).
Policy Term 1 Year
Age Eligibility
Minimum Entry Age of Adult - 18 years Maximum Entry Age - 65 years
NOTE: Dependent Children are covered from 3 months to 25 years. If a child above 18 years is financially independent, he or she will be ineligible for coverage in subsequent renewals.
Family Definition Self, Spouse, Parents, Parents-in-law, Dependent Children (any number and of age 3 months to 25 years)

What am I covered for?

  1. Hospitalization Expenses: Expenses incurred on hospitalization for a minimum period of 24 hours including pre-hospitalization expenses for a period of 30 days and post-hospitalization expenses for a period of 60 days
  2. Day Care Procedures: Medical expenses for daycare procedures
  3. AYUSH Coverage: Expenses incurred on hospitalization under AYUSH Treatment
  4. Expenses incurred on treatment of cataract
  5. Expenses incurred on dental treatment and plastic surgery that is necessitated due to disease or injury
  6. Ambulance Charges: Expenses incurred on road Ambulance subject to a maximum of Rs.2000/- per hospitalization

What is not covered?

  1. Admission primarily for investigation & evaluation
  2. Admission primarily for rest Cure, rehabilitation and respite care
  3. Expenses related to the surgical treatment of obesity that do not fulfill certain conditions
  4. Change-of-Gender treatments
  5. Expenses for cosmetic or plastic surgery
  6. Expenses related to any treatment necessitated due to participation in hazardous or adventure sports

Other benefits

  1. For every year you don't file a claim, the sum assured is increased by 5% - up to a maximum of 50% of the original sum insured. If you file a claim, the bonus at renewal is reduced at the same rate.
  2. Lifelong renewal available
  3. Flexible premium options including monthly, quarterly and half-yearly installments subject to prescribed loading

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Navi General Insurance Limited
IRDAI Registration No: 155 | CIN: U66000MH2016PLC283275 | Product Name: Arogya Sanjeevani Policy, Navi General Insurance Limited Product|UIN: NAVHLIP20162V011920