ICICI Lombard Arogya Sanjeevani Policy - Health Insurance
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ICICI Lombard Health Insurance ICICI Lombard Health Insurance ★ 4.4

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

About Arogya Sanjeevani Policy

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

ICICI Lombard Arogya Sanjeevani is a versatile plan that pays for your medical bills in case of hospitalization. If you are looking for a health plan that secures your basic healthcare needs Arogya Sanjeevani Policy by ICICI Lombard is an efficient fit. You can avail the plan on an individual and family floater basis and take advantage of the following features:

An affordable health care plan offering a cumulative bonus up to a maximum of 50% of SI along with cataract treatments, dental treatments, and plastic surgery if the need arises due to a disease or injury. The plan offers a sum insured benefit ranging between INR 1 lac and 5 Lac. To know more about the Arogya Sanjeevani Policy by ICICI Lombard, read further details.

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

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 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.

ICICI Arogya Sanjeevani Policy Benefits

ICICI Arogya Sanjeevani Policy benefits offer a multitude of features and benefits allowing insured individuals to enjoy a stress-free life as their medical care needs are fulfilled by the plan. To read the multiple benefits offered read the details mentioned below:

  • COVID-19 Cover

    Arogya Sanjeevani Policy by ICICI Lombard offers COVID-19 coverage wherein the insured individuals can avail of hospitalization expenses in case diagnosed with COVID-19. The plan provides peace of mind by covering a deadly disease such as COVID-19 to its customers.

  • Family Cover

    Arogya Sanjeevani Policy by ICICI Lombard provides medical care and protection to your family members. Under this plan, you can cover up to 2 adults and 3 dependent children above 3 months of age. You can get your immediate family members covered under the plan like your spouse, dependent parents, parents-in-law, and dependent children.

  • Cataract Treatment

    Arogya Sanjeevani Policy by ICICI Lombard offers a cataract cover under the plan up to 25% of the Sum insured or Rs. 40,000/- per eye, per policy year whichever is lower.

  • Cumulative Bonus

    ICICI Lombard Arogya Sanjeevani Policy offers an increase in the sum insured by 5% in respect of each claim-free year up to a maximum of 50% of the Sum Insured.

  • Change of Sum Insured

    Insured individuals can opt for changing their sum insured value that is it can be increased/decreased as per their requirements under the Arogya Sanjeevani Policy by ICICI Lombard only at the time of renewal. However, for the increased sum insured opted the waiting period shall start afresh only for the enhanced sum insured value.

Inclusions & exclusions

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

Exclusions

  • Permanent Diseases or health conditions that are not included under the ICICI Lombard Arogya Sanjeevani Policy are mentioned below:
  • OPD Expenses.
  • Expenses arising out of adventure sports.
  • Expenses arising due to unlawful activities.
  • Infertility and fertility treatments.
  • Expenses arising out of war, civil war, nuclear attack, etc.
  • Certain diseases and treatments are covered under this plan after a certain time period. Read the details below:
  • Pre-existing Diseases 48 Months
  • Listed Ailments 24/48 Months

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

Other features & benefits

Conclusion

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. In order to avail basic health coverage, the Arogya Sanjeevani Policy by ICICI Lombard is an apt health insurance plan.

ICICI Lombard Arogya Sanjeevani Policy: FAQs

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: 29 Sep 2023 · Originally published: 18 Nov 2024

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