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Arogya Sanjeevani Policy: IRDAI Guidelines

​Aarogya Sanjeevani has been launched for policyholders and is available at a cheaper price. IRDAI has allowed the policyholder to give this policy and has given out all the necessary mandates. So, IRDAI has standardized this policy and clearly instructed that all the health insurance companies will have a standard term and condition for this policy and it will cover the cost of hospitalization for coronavirus patients. The premium of the policy must be set between Rs 1000 to 5000 and should cover the risk between 1 Lakh to 5 Lakh. The policy was launched on 1st April 2020 and the rule was implemented to eliminate the confusion around the working of a particular policy.​

Compulsory Guidelines around Arogya Sanjeevani Policy

  • The policy is compulsory to be offered by all the health insurance companies
  • The premium of the policy must lie between 1000 to 5000 Rs
  • The policy is to cover the amount between 1 Lakh to 5 lakh.
  • The policy is offered to the insured person in multiples of 50,000
  • All the insurance companies could not impose a deductible on this policy
  • The insurance companies are supposed to give a no claim bonus of 5% every year with a maximum of 50%.
  • The age to get this policy must lie between 18 years to 65 years of age.
  • The policy will be covering 2% of the insurance cover as the room rent expense during hospitalization.
  • Insured persons are allowed to switch their policy from one company to the other at the end of a policy period of a given policy. ​

  • Advantages of Standardisation

    Standardizing a policy means that if you get this policy from any insurance provider the terms and conditions around the policy would remain the same. All the companies are supposed to give identical plans and identical coverage. Thus, the terms and conditions here are universal and would apply to all the insurers in any given condition. ​

    Simple Process for claim​

    While with many policies different insurance companies have a different set of guidelines and terms and conditions for settling the claim. This makes the process a bit more complex and difficult for the insured person to file the claim. Now with Arogya Sanjeevani as the wording are the same and all the terms and conditions by different policies are same the process will be much simpler and individuals would be allowed to settle the claim quickly without any confusion around the process. With the standardization of the Arogya Sanjeevani Policy, one more thing which is allowed and easy for the person is to get the policy in a completely digital way which saves on cost. The objective is to reduce the cost and also to make the process a bit easier by providing affordable premiums to everyone who opts for the policy


    With clearer guidelines, it is known the Arogya Sanjeevani as a health insurance policy is being issued as a standardize health insurance. It will remove all the confusion around getting ​health insurance plans and will make all of the process much simpler.