Digit Arogya Sanjeevani Policy: Benefit, Eligibility and Premium
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Digit Arogya Sanjeevani Plan

The Arogya Sanjeevani Health Insurance is a standard health insurance ...Read More

Up to 1 Crore
Sum insured
1
No. of plans
10+
Pan India presence
99%
Claim settlement ratio
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🛡️ IRDAI Approved
⭐ 4.4/5 · 2,697 reviews
🏥 9,000+ hospitals
📊 3.85 solvency ratio
✅ 99% claim settlement

The Arogya Sanjeevani Health Insurance is a standard health insurance plan that covers healthcare expenses with a sum insured ranging from 3 lakhs to up to 2 crores.

Why Do We Recommend This?
  • Avail pre and post-hospitalization cover
  • Hospital room rent expenses are covered
  • New-age treatments are covered

Plan at a glance

Eligibility, sum insured options and policy mechanics — pulled straight from the policy wording.

Entry age
18 to 65 Years
Plan type
Individual and Family Health Insurance
Sum insured options
₹1 L, ₹2 L, ₹3 L, ₹10 L, ₹15 L, ₹20 L, ₹50 L, ₹75 L, ₹1 L, ₹2 L
Waiting period
30 Days
Renewability
Lifetime
Policy term
1 Year

*Initial Waiting Period is the time period between the issuance of the policy and the time it starts actively. During this period, a policyholder has to wait to avail of the benefits offered under a health insurance plan.

Pros & cons

A quick honest summary — the strengths and the trade-offs.

Pros

  • High sum insured up to 2 Crores
  • AYUSH cover
  • Ambulance Cover

Cons

  • Adventure Sports
  • Self-harm
  • Obesity or weight control

What's covered

A quick look at what this plan covers — and what it doesn't.

Hospitalization

  • Room rent Covered
  • ICU charges Covered
  • Pre-hospitalization Covered
  • Post-hospitalization Covered
  • Domiciliary hospitalization Not covered
  • Day-care treatment Covered
  • OPD charges Not covered
  • Covid-19 treatment Covered
  • Cataract Covered

Bonuses & restoration

  • No-claim bonus Covered
  • Automatic restoration of SI Not covered
  • Daily hospital cash Not covered

Family & special care

  • Maternity cover Not covered
  • New-born baby cover Not covered
  • IVF treatment Not covered
  • AYUSH treatment Covered
  • Organ donor expenses Not covered

Modern & preventive care

  • Modern treatment Covered
  • Road ambulance Covered
  • Air ambulance Not covered
  • E-consultation Not covered
  • Health check-up Not covered
  • Second medical opinion Not covered
  • Vaccination Not covered

Conditions & global

  • Co-payment Applicable
  • Sub-limits Applicable
  • Compassionate travel Not covered
  • Global coverage Not covered

Video reviews

Walkthroughs from the PolicyX team — pros, cons, real claim experiences and who should buy.

Care Arogya Sanjeevani Plan 2025 Explained | PolicyX.com

Care Arogya Sanjeevani Plan 2025 Explained | PolicyX.com

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Who can buy this plan

Eligibility criteria pulled straight from the policy wording.

  • Min Entry Age: - 18 Years
  • Max Entry Age: - 65 Years
  • SI: - 3 L- 2 Cr
  • Initial Waiting Period: - 30 Days

Frequently Asked Questions

The 5 most-asked questions about Digit Arogya Sanjeevani Plan, answered.

The eligibility for the Digit Arogya Sanjeevani policy for adults is from 18 to 65 years. Whereas, dependent children can be covered from 3 months of age till 25 years.
A wide array of sum insured options is available under Digit Arogya Sanjeevani policy ranging between 3 Lakhs to 2 Crores. Individuals can customize their health insurance plan by opting for an adequate sum assured option suitable for their needs and requirements.
Yes, premiums paid towards the Digit Arogya Sanjeevani policy are eligible for tax benefits as per the Income Tax laws of the country.
There are certain exclusions mentioned under the plan: Cosmetic and Plastic Surgeries Obesity Treatments Treatment due to substance abuse Treatment as a result of Unlawful activities and more
Yes, Digit Arogya Sanjeevani policy is a lifelong renewable policy.

Conclusion

Arogya Sanjeevani is a basic, standardized health insurance plan designed to offer simple and afford

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Written and reviewed by

PolicyX content is researched in-house and reviewed by an IRDAI-certified insurance specialist before publication.

Written by Naval Goel — Founder & CEO, PolicyX.com Reviewed by Manoj Kumar — IRDAI-certified Health Insurance Specialist
Last updated: 19 May 2026 · Originally published: 9 Oct 2024

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