Arogya Sanjeevani Health Insurance

₹1 Crore Sum Insured premium starting from ₹640/month*
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What is Arogya Sanjeevani Policy?

Why should you buy the Arogya Sanjeevani Policy?

health insurance costs
Both healthcare expenses and healthcare conditions are on the rise in India.
The Arogya Sanjeevani Policy is one of the most affordable health insurance policies in the market today. 
no cost emi
Having at least a basic health insurance is key to smart financial planning and investing!
India is still dealing with the COVID-19 pandemic. The Arogya Sanjeevani Policy could be a cost-effective option to cover you from both the COVID-19 & other illnesses in the long term.

What's great about a Arogya Sanjeevani Policy by Digit?

  • Simple online processes - From buying your policy to making claims, everything is easy, quick, paperless, and hassle-free! No hard copies needed!
  • Sum insured - Customize your sum insured based on your requirements! 
  • Covers pandemics like the coronavirus – India is one of worst affected countries when it comes to the COVID-19. We cover the same as part of our health insurance so you needn’t really get a separate coronavirus policy.
  • Cumulative bonus - Get rewarded for staying healthy! You’ll be eligible for a yearly cumulative bonus for claim-free years.
  • Get treated at any hospital - Choose from 6400+ of our network hospitals in India for cashless treatment or opt for a reimbursement.
  • Minimal copayment - During a health insurance claim, you just need to pay 5% of the claim amount from your pocket.
  • 24X7 customer assistance - If you need any help, you can use our 24x7 call facility even on National Holidays
  • Super easy claims – Our claims process is completely technology-enabled, that’s why claims are not only easy to make but easy to settle too.

Arogya Sanjeevani Policy Premium Chart and Calculator

Digit’s Arogya Sanjeevani Policy has Sum Insured options from as low as ₹3 Lakhs up to ₹2 crores in multiples of ₹50,000. Here is the Arogya Sanjeevani Policy Premium comparison for Sum Insured for the minimum of ₹3 lakhs and the maximum ₹2 crores, for one person.*

Age Group

Arogya Sanjeevani Policy Premium (SI 3 lakhs)

Arogya Sanjeevani Policy Premium (SI 2 crore)

























*Disclaimer – These premium amounts are calculated for a single male with no health conditions. GST is not included in this premium. In addition to these Sum Insured amounts, you have other options like ₹3 lakhs, ₹5 lakhs, ₹10 lakhs, ₹25 lakhs, ₹50 lakhs, ₹1 crore, and ₹2 crores.

What’s covered under Arogya Sanjeevani Health Insurance Policy?

Hospitalization Expenses

Hospitalization Expenses

This includes all pre- and post-hospitalization expenses (diagnostics, doctor charges, operation costs, hospital stay, medicines, etc) incurred due to an illness or accident for 30 days before and 60 days after hospitalization.



Many seniors prefer opting for alternative treatments. This policy covers those treatments if done in certified hospitals of Ayurveda, Unani, Siddha and/or Homeopathy.

Cumulative Bonus

Cumulative Bonus

Even if you don’t make any claim during the year, you have nothing to lose! For every claim free year, get rewarded with a 5% bonus in your sum insured!

Room Rent

Room Rent

When you get hospitalized, there are different hospital rooms you can choose from. With this policy, you can choose any room you like as long as it is up to Rs 5,000/day.



Expenses incurred on ICU and ICCU facilities for up to 5% of the total sum insured or ₹10,000 per day is covered.

Ambulance Services

Ambulance Services

Ambulance charges with a maximum cap of ₹2,000 per hospitalization are included in the policy.

Plastic Surgery and Dental Treatments

Plastic Surgery and Dental Treatments

Plastic surgery or dental treatments necessitated owing to an injury, or a disease are covered.

Cataract Surgery

Cataract Surgery

Expenses incurred towards cataract surgeries are covered. You can avail coverage of up to ₹40,000 or 25% of the total sum insured, whichever is lower.

New Age Treatments

New Age Treatments

Modern treatments, including Balloon Sinuplasty, Immunotherapy, and Stem Cell Therapy, amongst many other treatments (see list below) can be covered to up to 50% of your sum insured.

What’s not covered?

How to file a Claim?

  • Reimbursement Claims - Let us know in case of a hospitalization within two days of admission at 1800-258-4242 or email us at [email protected] and we'll send you a link where you can upload your hospital bills and all relevant documents to process the reimbursement. 
  • Cashless Claims - Choose the network hospital. You can find the complete list of network hospitals here. Display e-health card to the hospital helpdesk and ask for the cashless request form. If all is good, your claim will be processed then and there.
  • If you have claimed for Coronavirus, make sure you have a positive test report from an authorized centre of ICMR – National Institute of Virology, Pune.

Key Features of the Arogya Sanjeevani Policy

Sum Insured

3 lakhs to 2 crores


5% compulsory copayment


Starting from ₹2414 per year*

Room Rent Capping

2% of your Sum Insured (up to 5,000)

Cumulative Bonus

5% extra in your Sum Insured for every claim-free year

Claim Process

Digital friendly, no hardcopies!

Options Available

Family Floater & Individual Policy

Standard Benefits of the Arogya Sanjeevani Health Insurance Policy

Lifelong Renewability

While the entry level for the purchase of this policy is limited to those between the ages 18 to 65 years, this policy comes with lifelong renewability, as long as you renew it on time. 

Low Arogya Sanjeevani Policy Premium

Since this is a basic, standard policy set by the IRDAI, the arogya sanjeevani policy premium for the same is comparatively lower than other health insurance policies in the market. 

Low Copayment

Every health insurance comes with independent copayment limitations. Some have a 10-20% copayment, while some come with no copayment at all. In this policy, there is a minimum copayment of 5% only; i.e. during claims you will have to 5% of the expenses from your pocket.

Individual & Family Floater Available

The Arogya Sanjeevani Policy offered by Go Digit General Insurance comes with two plans available: An Individual Health Policy (One policy each for a family member) and a Family Floater Health Insurance (One policy for the entire family). 

Limited Sum Insured

Under the Arogya Sanjeevani Health Insurance Policy, the sum insured you can choose is limited from 3 lakhs to 2 crores.

Who should buy the Arogya Sanjeevani Policy?

First-time health insurance buyers

The Arogya Sanjeevani Policy benefits are almost the same across all insurers and is the most affordable health insurance policy in the market currently. So, if you’re still young and are only just beginning your journey with a health insurance, buying a basic health insurance plan like the Arogya plan for now may be suitable since you are less likely to need a sum insured of more than 5 lakhs and you may not want to spend too much on your health insurance premium just yet.

People looking for COVID-19 protection as a priority

Since the COVID-19 outbreak, people are increasingly looking for a health insurance policy that will cover them if they’re infected with the same. If you too are looking for such a policy, the Arogya Sanjeevani Policy could be a better option given that it costs almost the same as coronavirus specific plans and covers the COVID-19 among other diseases and illnesses too. The best part is it comes with lifelong renewability as compared to individual coronavirus plans that expire in just a few months.

People looking for a basic, affordable health insurance plan

If you’d like to protect you and your family with a health insurance but don’t want to spend too much on your annual health insurance premium, you can opt for the Arogya Sanjeevani Health Insurance Policy which is currently one of the most affordable options in the market today. 

How to buy Arogya Sanjeevani Policy online?

FAQs about Arogya Sanjeevani Health Insuranace Policy by Go Digit