Should you get the Arogya Sanjeevani Policy?

The Arogya Sanjeevani Policy is a new type of health insurance policy launched by the IRDAI with effect from April 1st, 2020. It is an easy to understand health insurance policy that has the same standardized terms and conditions across insurance companies. One of the main motives behind the launching of this policy is to provide affordable medical coverage for those who have not bought health insurance just yet due to various reasons. 



The Arogya Sanjeevani Policy can be purchased as an individual plan or as a family floater plan. The Arogya Sanjeevani policy covers the cost of treatment during hospitalisation, pre-and post-hospitalisation care, AYUSH treatment, ambulance charges, dental care and many more medical requirements within the scope of the policy and sum insured.

Who should buy the Arogya Sanjeevani policy?

The introduction of the Arogya Sanjeevani policy is truly a boon for many. If you are wondering whether this new health insurance product is suitable for you, read on to discover who should be buying the Arogya Sanjeevani policy.

1.     The Arogya Sanjeevani individual health insurance policy

 The Arogya Sanjeevani individual health insurance policy is best suited to individuals who have just secured their first job and lack sufficient knowledge about health insurance but also do want to secure themselves immediately. This policy has easy to understand wordings which enable first-time policy buyers to thoroughly comprehend the cover they are getting without the need of any external assistance from multiple agents and contenders in the market. The individual can consider opting for a sum insured on their Arogya Sanjeevani policy between Rs. 3 lakhs to Rs 5 lakhs, depending on their requirement. This sum insured should suffice for individual coverage. While the premium for this policy may differ between insurance companies, the benefits have been standardized. Indeed, while the Arogya Sanjeevani Policy is best suited for first-time health insurance buyers, anyone between the ages of 18 to 65 years can purchase this coverage and they can renew it for life.  

2.   The Arogya Sanjeevani family-floater policy

Arogya Sanjeevani family-floater health insurance policy is recommended for newly-married couples who do not have children yet and probably do not have any liabilities towards any other additional family members. Being a newly-married couple in a metropolitan city is very difficult and expensive to manage with the high cost of rent and other utility bills. At least, health insurance should not be unaffordable.  A couple can opt for the maximum sum insured of Rs 5 lakhs in their Arogya Sanjeevani family-floater policy. Plus, the low co-payment ensures good affordability of coverage for a young couple who might want to put aside money for their future planning. Do remember that the Arogya Sanjeevani family floater health insurance plan can also include dependent children as well as parents and parents-in-law.

The Arogya Sanjeevani Policy provides a good coverage at reasonable premiums. Do make sure to secure yourself and your loved ones with health insurance immediately. Hope this article has been informative to you. Good luck.


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