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New-Age Treatments Covered in Arogya Sanjeevani Policy

The Insurance Regulatory and Development Authority of India (IRDAI) has established some standards and guidelines regarding the coverage of insurance policies in India. Arogya Sanjeevani policy is an IRDAI initiative that is aimed towards providing an easily understandable and accessible health insurance policy to people. Arogya Sanjeevani falls under the category of SHIP or Standard Health Insurance Product set by the IRDAI and is available from April 1st, 2020. It offers basic health insurance coverage that can range between ₹1 lakh to a maximum amount of Rs ₹5 lakhs. One of the highlights of the policy is the fact that it covers the treatment of COVID-19.


Types of Arogya Sanjeevani policies

There are two basic categories under this plan that cater to the needs of individuals as well as family. These are:

  1. Individual plan

Under the individual plan, there can only be a single beneficiary of the policy with no other members included.

  1. Family floater plan

Under the family floater plan, multiple family members can avail of the benefits of the insurance policy and become beneficiaries. It is ideal for families looking for a combined health insurance plan under a single premium. The family floater plan allows you to include yourself, your legally wedded spouse, dependent children between the age of 3 months and 25 years, parents, and parents-in-law.

Under the family floater plan, you get a 5% discount if there is more than one member covered with an individual sum insured under the same proposal.


Modern age treatments covered under the Arogya Sanjeevani policy

The Arogya Sanjeevani policy is designed, keeping in mind the advancements in modern-day treatment and increasing technological requirements. Here is a list of all Arogya Sanjeevani treatments covered under the plan:

  1. Deep brain stimulation
  2. Uterine artery embolization and high intensity focused ultrasound (HIFU)
  3. Oral chemotherapy
  4. Balloon sinuplasty
  5. Intra vitreal injection
  6. Immunotherapy (Monoclonal antibody given as an injection)
  7. Stem cell therapy (treating haematological conditions with hematopoietic stem cells for bone marrow transplant and generation)
  8. Intra-Operative Neuro Monitoring (IONM)
  9. Vaporization of the prostate using the holmium or green laser treatment
  10. Bronchial thermoplastic
  11. Stereotactic radio surgeries
  12. Robotic surgeries

The above list mentions almost every modern-day treatment covered under the Arogya Sanjeevani plan. Up to 50% of the sum insured is covered under these procedures. This applies to both inpatient care as well as day-care setups. Along with the modern-day treatments and procedures, this plan also covers Ayush treatments.

Here is a list of Ayush treatments covered under the Arogya Sanjeevani policy:

  1. Naturopathy
  2. Unani
  3. Homoeopathy
  4. Siddha
  5. Yoga
  6. Ayurveda

The insurance service provider company is liable to pay for any treatment cost for these procedures up to the total sum insured.

Benefits of having Arogya Sanjeevani health insurance policy

This health plan offers a wide array of benefits, such as:

  1. Budget-friendly premium:

One of the most significant advantages of this plan is that it comes at an affordable premium amount.

  1. Free look period:

Keeping pace with all other health insurance plans, Arogya Sanjeevani also offers a 15-day free look period for the proposer and beneficiaries to review the policy and make an informed decision.

  1. Low co-payment:

Arogya Sanjeevani policy comes at a co-payment percentage as low as 5%. This does not affect the sum insured.

  1. Tax benefits:

The premium paid under the Arogya Sanjeevani policy is eligible for tax benefits under Section 80D of the Income Tax Act, 1961.

Terms and condition under the Arogya Sanjeevani health insurance plan

It is important to pay attention to specific terms and conditions before buying any insurance plan. The same applies to the Arogya Sanjeevani policy. Here are some things to keep in mind:

  • The proposer is mandatorily covered under the policy until the age of 65 years. However, if the proposer is aged more than 65 years, he or she can opt out of coverage and still buy the policy for their family.


  • The minimum entry age for the proposer is 18 years, and the maximum is 65 years.


  • The minimum entry age for dependent children is 3 months, and the maximum is 25 years.


  • This policy is valid for a term of 1 year. The term is calculated from the date of issuance of the policy.


  • The proposer can choose from a wide array of sum assured options that range between ₹1 lakh and go up to ₹5 lakhs.



Arogya Sanjeevani Policy is a great initiative by the IRDAI to offer a uniform and comprehensive health coverage across all health insurance provider. While the coverage of the policy stays the same with every insurer, it is advisable to buy the policy from a reliable and trustworthy insurance company like Royal Sundaram. Along with the winning features of the Arogya Sanjeevani policy, get access to efficient claim settlement and dedicated customer support with Royal Sundaram General Insurance.

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