ICICI Lombard Arogya Sanjeevani Policy - Health Insurance
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Arogya Sanjeevani Policy

ICICI Lombard Arogya Sanjeevani Policy is a versatile and affordable h ...Read More

Up to 3 Crores
Sum insured
1
No. of plans
320+
Pan India presence
97.16%
Claim settlement ratio
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🛡️ IRDAI Approved
⭐ 4.4/5 · 2,704 reviews
🏥 10,600+ hospitals
📊 2.69 solvency ratio
✅ 97.16% claim settlement

ICICI Lombard Arogya Sanjeevani Policy is a versatile and affordable health insurance plan designed to provide medical care to individuals and families. It is a standard health insurance plan with a limited sum insured availability but covers all the necessary medical requirements.

Why do we recommend this?
  • COVID-19 Cover
  • Family Cover
  • Cataract Treatment

Plan at a glance

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

Entry age
Min- 3 months, Max- 65 years
Plan type
Individual and Family Health Insurance
Sum insured options
₹1 L, ₹2 L, ₹3 L, ₹4 L, ₹5 L
Waiting period
30 days
Renewability
Lifelong
Policy term
1, 2, 3 years

*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

  • Cumulative bonus
  • Cataract treatment covered
  • Modern procedures covered
  • Intensive cardiac care charges

Cons

  • No eyesight correction expenses
  • Fertility expenses not covered
  • Nursing expenses not covered
  • Nursing at home not covered
  • OPD expenses not covered

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 Not 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 Covered
  • Sub-limits Not 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.

ICICI Health Insurance | Arogya Sanjeevani Health Insurance Policy.

ICICI Health Insurance | Arogya Sanjeevani Health Insurance Policy.

In this video, we dive into a comprehensive review of the ICICI Health Insurance Arogya Sanjeevani Policy Plan. Explore the benefits of the ICICI Arogya Sanjeevani Health Insurance Plan offering comprehensive coverage for your medical needs.

Who can buy this plan

Eligibility criteria pulled straight from the policy wording.

  • Entry age-: 18 years
  • Max entry age-: 65 years
  • SI-: 1 L to 5 L
  • Waiting period-: 30 days

Frequently Asked Questions

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

The Arogya Sanjeevani Plan covers various aspects of medical care such as: Pre and Post Hospitalization In-Patient Hospitalization AYUSH Coverage Cumulative Bonus Ambulance Cover, and more
The minimum amount of sum insured available to insured individuals is INR 1,00,000.
Yes, the Arogya Sanjeevani Policy by ICICI Lombard is available as an individual and family floater health insurance plan. You can cover your spouse, parents, parents-in-law, and dependent children under the plan.
The eligibility criteria for adults ranges between the age of 18 to 65 years, whereas for dependent children it is 3 months to 25 years.
Yes, a 5% co-pay for all claims is mandatory under the Arogya Sanjeevani Policy by ICICI Lombard.

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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: 18 Nov 2024

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