It is more important than ever to protect our health in the fast-paced environment we live in today. Unexpected medical costs may put a burden on finances and increase stress during trying times. Insurance companies have offered a variety of health insurance plans to allay these worries. The Arogya Sanjeevani Health Insurance Policy is one such strategy that is gaining popularity. We shall cover the nuances of this strategy and all of its advantages in this blog article.

    What is Arogya Sanjeevani Health Insurance Policy? 

    An extensive health insurance scheme called the Arogya Sanjeevani Health Insurance Policy was developed to provide individuals and families access to affordable medical treatment. This tactic has become well-known due to its unique features and benefits, which make it a popular decision for many.


    1. Hospitalisation Without Cash: One of the major benefits of this strategy is that it provides cashless hospitalisation options. Policyholders may get cashless care for unexpected hospitalisations or medical crises at network hospitals. This relieves the policyholder of immediate financial obligations by allowing the insurance company to immediately pay the hospital fees.
    2. Offers No-Claims Bonus: The Arogya Sanjeevani Health Insurance Policy offers a no-claims bonus to policyholders who refrain from filing any claims over the policy year. In certain circumstances, the insurance provides a no-claim bonus (NCB) in the form of an enhanced amount covered at no extra charge. This benefit encourages policyholders to take care of their health and use medical services wisely.
    3. Daycare Procedures: The Arogya Sanjeevani Health Insurance Policy covers daycare procedures, which are medical treatments or surgeries that do not require a 24-hour hospital stay. With advancements in medical technology, many procedures can now be performed within a few hours. This policy recognizes the importance of these procedures and extends coverage for them, reducing financial burdens on the insured.
    4. Ambulance Charges: In case of emergencies that require immediate transportation to a hospital, the Arogya Sanjeevani Health Insurance Policy covers ambulance charges. This provision ensures that policyholders receive timely and efficient medical assistance without worrying about the cost of ambulance services.
    5. Lifelong Renewability: Another significant advantage of this policy is that it offers lifelong renewability. Once an individual purchases this policy and continues to pay the premiums regularly, they can renew it throughout their lifetime. This feature provides long-term coverage and ensures that policyholders can rely on the policy for their healthcare needs even as they age.
    6. Additional Tax Benefits: Investing in the Arogya Sanjeevani Health Insurance Policy also offers tax benefits under Section 80D of the Income Tax Act. Policyholders can claim deductions for the premium paid towards this policy, reducing their overall tax liability.


    The Arogya Sanjeevani Health Insurance Policy provides a comprehensive and affordable solution to meet the healthcare needs of individuals and families. With its extensive coverage, high sum insured, and simplified terms and conditions, this policy offers peace of mind by ensuring financial protection during medical emergencies. By opting for this policy, individuals can safeguard their health and secure their financial well-being simultaneously. Take the time to explore the Arogya Sanjeevani Health Insurance Policy and make an informed decision to protect your health and that of your loved ones.