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Central government schemes | Central government scheme

Arogya Sanjeevani Policy (standard health insurance)

Standard health insurance policy sold by all insurers, sum insured Rs 50,000 to Rs 5 lakh

Arogya Sanjeevani is a standard health insurance policy that the insurance regulator IRDAI asked every general and health insurer to offer from 1 April 2020. The terms are the same at every insurer, so it is easy to compare. It covers hospital stay, day-care procedures, treatment under AYUSH, costs shortly before and after hospital stay, and ambulance charges, with limits on room rent and a share of the bill paid by the policyholder. The sum insured can be chosen from Rs 50,000 up to Rs 5 lakh, and it can be taken for one person or as a family floater. There are waiting periods for existing illnesses and some listed conditions. Premiums differ from insurer to insurer. It is a private insurance product that you buy, not a free government scheme, and it is not the same as the Karnataka Arogya Sanjeevini scheme for state government employees. Check the policy wording and the IRDAI website, because limits and waiting periods can be revised.

Rules, amounts and dates can change. Confirm the details on the official portal or at your taluk office before you apply.

Key facts (useful for exams)

DepartmentCentral government schemes
Started2020
GroupHealth

How to apply

  1. Compare premiums for the same cover on the websites of different insurers, since the policy terms are the same.
  2. Choose the sum insured (Rs 50,000 to Rs 5 lakh) and whether it is for one person or a family floater.
  3. Fill in the proposal form on the insurer's website or through an agent, and declare existing illnesses honestly.
  4. Pay the premium online and keep the policy document and health card.
  5. In case of hospital admission, use the insurer's cashless network or file a reimbursement claim with the bills.

Documents usually needed

  • Identity and address proof
  • Age proof
  • Passport size photograph
  • Medical reports, if the insurer asks for them

Check official sources

Eligibility, amounts and how to apply change often. Confirm on the official portals or at your taluk office.

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