Why investing in Arogya Sanjeevani Policy is the need of the hour

Investing in a good health insurance plan has become extremely important in these trying times of COVID-19. Due to the ongoing pandemic, many first-time health insurance buyers have understood the long-term necessity of investing in a good health insurance plan.

Many people (especially the younger generation) are of the impression that people with health issues need to invest in health insurance. This is a wrong notion and the sooner you invest in a good health insurance policy; the better it is for you and your family. Health insurance keeps your financial worries at bay during the time of medical emergencies.

All you have to do is choose an insurance plan that suits your budget & requirements and pay the premium on-time to reap the benefits offered by the health insurance policy. The insurance regulator – IRDAI (Insurance Regulatory and Development Authority of India) has established certain guidelines and standards around the coverage of insurance policies in India.

A circular was issued in April, 2020 that allowed health and general insurance companies to offer Arogya Sanjeevani Policy for a minimum sum insured of Rs. 1 Lakh. The sum insured is subject to the underwriting policy of the insurers. Arogya Sanjeevani Policy is an excellent initiative by IRDAI to bring more people under the gamut of health insurance.

Arogya Sanjeevani Policy falls under the category of Standard Health Insurance Policy (SHIP) and provides basic health insurance coverage in the range of Rs. 1 Lakh to Rs. 5 Lakhs. The main highlight of the policy is that it also covers COVID-19. We look at the different types of Arogya Sanjeevani policies so that our readers can make an informed decision in choosing the right health insurance policy:

Major types of Arogya Sanjeevani Policies

Here are the two major policy variants offered under the umbrella of Arogya Sanjeevani policy:

  • Individual Plan

If you are looking for a health insurance plan that provides coverage for a single person, choose the individual plan.

  • Family Floater Plan

As the name indicates, this health insurance plan is ideal for someone who wants to provide health insurance coverage to the entire family.

This category of Arogya Sanjeevani policy can cover yourself, your legally wedded spouse, dependent children, parents, etc. with a single premium. Royal Sundaram General Insurance offers a 5 percent discount if more than one member is covered with an individual sum insured.

Why should you invest in the Arogya Sanjeevani policy?

Apart from the COVID-19 coverage, there are many other benefits offered by the Arogya Sanjeevani policy. Here are the major reasons why you should invest in this particular form of health insurance:

  • The modern-day treatments like deep brain stimulation, balloon sinuplasty, bronchial thermoplastic, and more are covered under the policy. It is designed keeping in mind the advancements in the medical field. This exhaustive list has information related to all the modern-day treatments covered under the Arogya Sanjeevani policy.
  • AYUSH treatment is particularly chosen by senior citizens as there are no side effects of the treatment. Treatments under AYUSH are also covered under this particular category of health insurance policy.
  • The major advantage of the Arogya Sanjeevani policy is that substantial coverage is offered at an affordable premium. It also comes at a co-payment percentage which is as low as 5 percent, this does not affect the sum insured.

Since it is a form of health insurance, the premium paid is eligible for tax benefits under section 80(D). These are some of the major reasons why you should invest in a health insurance plan like Arogya Sanjeevani policy.


Investing in a good health insurance plan is the need of the hour. Arogya Sanjeevani policy is a policy that offers great benefits at an affordable premium. It also covers the treatment of COVID-19, an exciting reason to invest in this particular type of health insurance!

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