HDFC ERGO Arogya Sanjeevani Policy: Key Benefits and Coverage
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HDFC ERGO Arogya Sanjeevani Policy

Arogya Sanjeevani Policy from HDFC ERGO is designed for individual or ...Read More

Up to 2 Cr
Sum insured
1
No. of plans
200+
Pan India presence
95.30%
Claim settlement ratio
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🛡️ IRDAI Approved
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🏥 15,000+ hospitals
📊 2.00 solvency ratio
✅ 95.30% claim settlement

About HDFC ERGO Arogya Sanjeevani Policy

A quick read on what this HDFC ERGO Health Insurance plan covers and why it might be a fit for you.

The Arogya Sanjeevani Policy from HDFC ERGO is a basic plan designed for individual or family floater coverage. It provides precise medical support, including hospitalization, pre and post-hospitalization, doctor's consultation, AYUSH treatment, and preventive health check-ups.

With a sum insured of up to 10 Lakhs, the plan is sufficient for your medical requirements. It comes with an affordable range and seamless customer support.

Read further about the benefits and specifications of the plan in this article.

Plan at a glance

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

Entry age
18 - 65 Years
Plan type
Individual and Family Health Insurance
Sum insured options
₹50 L, ₹10 L
Waiting period
30 days
Renewability
Lifelong
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

  • Pre and post-hospitalization
  • Doctor consultation
  • AYUSH treatment
  • Preventive health check-ups

Cons

  • Maternity expenses
  • Daily hospital cash
  • Modern treatment
  • Organ donor cover

What's covered

Every CMS-driven coverage flag from the plan wording — only items with a published value render below.

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

Conditions & global

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

Video reviews

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

HDFC ERGO Health Insurance

HDFC ERGO Health Insurance

HDFC ERGO video starts with an overview of HDFC ERGO, detailing its history, mission, and market position.

Benefits of Arogya Sanjeevani Policy by HDFC ERGO

  • Below are some notable benefits of the Arogya Sanjeevani Policy by HDFC ERGO:

Easy policy buying process

  • The online policy-buying process allows you to secure the mental, physical, and financial well-being of you and your family from the comfort of your home.

Dental treatment & plastic surgery

  • This plan provides cashless and hassle-free treatment for dental problems and plastic surgery, provided the injury is due to a disease or accidental mishap.

Good customer support

  • The insurer provides easy and hassle-free policy-buying and claim procedures. The 24/7 customer support ensures you enjoy the maximum benefits of your policy.

Tax benefits

HDFC ERGO Health Insurance Network Hospital List

HDFC ERGO Health Insurance Network Hospitals are present in 31 states nationwide. With a wide network of hospitals, HDFC ERGO Health Insurance ensures that you are medically secured, irrespective of the city you reside in.

Delhi Mumbai Bengaluru Chennai Kolkata Hyderabad Pune Ahmedabad Jaipur Lucknow

Know More About Network Hospitals →

Inclusions & exclusions

What the plan pays for, and what it doesn't.

Exclusions

  • This policy has some exclusions mentioned below:
  • Any kind of external congenital illnesses or voluntary treatments like cosmetic/beautification/plastic surgery
  • Investigation and evaluation purposes
  • Obesity/weight control/liposuction
  • Hazardous/adventure sports/nuclear wars, defensive attacks
  • Breach of the law, alcoholism, drug, or substance abuse cases
  • Unproven treatments, rest care, rehabilitation
  • Sterility and infertility, birth control, gender change treatments
  • Hypertension, diabetes, cardiac arrests, organ transplants, donor expenses
  • Maternity expenses like childbirth (complicated deliveries and cesarean sections, except ectopic pregnancy), miscarriage (except an accident), and lawful medical termination of pregnancy during the policy period
  • Certain diseases and treatments are covered under this plan after a certain period:
  • Pre-existing conditions 48 Months
  • Daycare procedures 24 Months

Who can buy this plan

Eligibility criteria pulled straight from the policy wording.

  • Min. Entry Age: 18 Years
  • Max. Entry Age: 65 Years
  • SI: - Up to 10 L
  • Initial Waiting Period: - 30 Days

Other features & benefits

How to claim HDFC ERGO Arogya Sanjeevani Policy?

To avail of claim settlement services, follow the process below:

  • Visit the official website of HDFC ERGO General Insurance.
  • Click on the 'Claim' button on the website header and go to the claim process > Health insurance.
  • For claim intimation, fill in the pre-authorized form with your contact number/policy number/email and 'Proceed'.
  • Call the toll-free number 022 6234 6234 or email healthclaims@hdfcergo.com for claim settlement procedure info.
  • Reach out to PolicyX.com for further assistance.

For Reimbursement of the Arogya Sanjeevani Policy:

  • Get treatment at a network hospital with pre-authorization from HDFC ERGO executives.
  • After receiving the authorization form, the company will verify and issue the authorized letter to the hospital.
  • On discharge day, verify and sign the form against the claim of your medical or non-medical expenses.
  • Pay the medical expenses first and attach all necessary medical details in the claim submission form.
  • Submit all required documents to your insurer for reimbursement of your medical bills, which gets settled upon verification.

Documents to be submitted while raising a claim:

  • Completed claim form with the policyholder's photographs
  • Doctor's prescription for treatment admission
  • All original medical bills and payment receipts
  • Discharge summary and related details of the policyholder
  • KYC documents along with the bank's canceled cheque or NEFT details
  • Other documents requested by the company at the time of claim settlement.

Wrapping it up

Not having health insurance can drain your emergency savings and impact financial stability. This plan addresses concerns related to affordable and specific health insurance. The Arogya Sanjeevani Policy of HDFC ERGO ensures basic health support at a pocket-friendly premium, providing coverage for you and your family, including daycare procedures and financial support against 12 listed treatment expenses.

HDFC ERGO Arogya Sanjeevani Policy: FAQs

The 5 most-asked questions about HDFC ERGO Arogya Sanjeevani Policy, answered.

The maximum sum insured under this plan is up to INR 10 Lakhs in the multiple of INR 50,000.
Seniors till the age of 65 years can buy this plan and the benefits of coverage work almost the same way as an adult. However, this plan is not specifically designed for senior citizens.
Yes, this plan is designed for all. Either you want an individual policy for you and your family separately. Or all the family members can be covered under the same family floater plan.
It also offers a family floater plan benefit so your spouse, parents/ in-laws/ children (3 months-25 years) or all can be covered under a separate or the same policy.
No, there is no variant of Arogya Sanjeevani’s policy of HDFC ERGO.

Explore HDFC ERGO Health Insurance

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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: 14 Mar 2024 · Originally published: 30 Oct 2024

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