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Helping you get the medical care you need,
whenever you need it!

Going to a hospital is almost always an expensive affair. From simple day care procedures to major operations, everything can take a toll on your wallet. That’s why we’re here to make things a little easier. With our Arogya Sanjeevani plan, you and your family members can get quick access to the medical care you need, without it pinching your pocket.

What Kind of Cover Can I Expect?

When you pick the Arogya Sanjeevani policy, you and your family members will be covered for:
 
Hospitalisation Expenses
If you’re admitted to a hospital for a minimum of 24 hours, we’ll help pick up the tab up to the sum insured. Of course, if you only need a day care procedure, we won’t need you to fulfil the minimum requirement of staying in the hospital for 24 hours.
 
Pre-Hospitalisation Expenses
We’re here to help in the 30 days leading up to the hospitalisation.
 
Post-Hospitalisation Expenses
We will cover related expenses for 60 days, provided your hospitalisation claim is admitted.
 
Daily Room rent Expenses
From room rent and boarding to nursing expenses, we’ll provide up to 2% of your sum insured, subject to a limit of INR 5,000/- per day. For ICU and ICCU charges, we’ll provide up to 5% of your sum insured, subject to a limit of INR 10,000/- per day.
 
Cataract Treatments
Every policy year, we’ll provide up to 25% of your sum insured or INR 40,000 per eye, whichever amount is lower.
 
AYUSH
Our policy will look after in-patient treatments for Ayurveda, yoga and naturopathy, Unani, Siddha and Homeopathy as well, up to the full sum insured.
 
Pre-Existing Diseases
We’ll provide cover for the pre-existing diseases that are declared in your proposal and accepted by the company after a waiting period of 48 months.
 
Cumulative Bonus
For every year in which you don’t make a claim, your sum insured will be increased by 5%, going up to a maximum of 50%.
 
Co-Pay Clause
On every claim, there is a 5% co-pay that is mandatory across all ages.
 
Hospitalisation Expenses
If you’re admitted to a hospital for a minimum of 24 hours, we’ll help pick up the tab up to the sum insured. Of course, if you only need a day care procedure, we won’t need you to fulfil the minimum requirement of staying in the hospital for 24 hours.
 
Pre-Hospitalisation Expenses
We’re here to help in the 30 days leading up to the hospitalisation.
 
Post-Hospitalisation Expenses
We will cover related expenses for 60 days, provided your hospitalisation claim is admitted.
 
Daily Room rent Expenses
From room rent and boarding to nursing expenses, we’ll provide up to 2% of your sum insured, subject to a limit of INR 5,000/- per day.
For ICU and ICCU charges, we’ll provide up to 5% of your sum insured, subject to a limit of INR 10,000/- per day.
 
Cataract Treatments
Every policy year, we’ll provide up to 25% of your sum insured or INR 40,000 per eye, whichever amount is lower.
 
AYUSH
Our policy will look after in-patient treatments for Ayurveda, yoga and naturopathy, Unani, Siddha and Homeopathy as well, up to the full sum insured.
 
Pre-Existing Diseases
We’ll provide cover for the pre-existing diseases that are declared in your proposal and accepted by the company after a waiting period of 48 months.
 
Cumulative Bonus
For every year in which you don’t make a claim, your sum insured will be increased by 5%, going up to a maximum of 50%.
 
Co-Pay Clause
On every claim, there is a 5% co-pay that is mandatory across all ages.
Situations that our insurance plans don't cover - View

What’s not covered

There are a few things that are out of our hands. This policy will not cover*:

  • Expenses related to any admission primarily for diagnostics and evaluation purposes.
  • Procedures and medication related to obesity and weight control
  • Treatments to change gender
  • Cosmetic or plastic surgery, except when required medically to remove a direct health risk or after an accident
  • Cost of care provided at home or in the out-patient department
  • Expenses related to the treatment of injuries caused by participating in adventure sports
  • Cost of treatments required after the insured individual commits or attempts to commit an act that breaches the law
  • Treatment of alcoholism or any substance abuse
  • Cost of dietary supplements and unproven treatments
  • Expenses related to the treatment of sterility and infertility
  • The cost of childbirth, including complicated and caesarean deliveries, except in the case of ectopic pregnancies
  • Treatment administered outside the geographical extent of India
  • Cost of treatment required in war and war-like situations or after a nuclear, chemical or biological attack

*For more information on what’s covered and what’s not, please have a look at the policy wordings

 

Why Is Arogya Sanjeevani Right for Me?

 
Select Your Cover
Minimum cover available: INR 1,00,000
Maximum cover available: INR 5,00,000
Increments allowed in multiples of INR 50,000.
 
Get Cover From a Young Age
As the proposer, you can purchase the policy from just 18 years of age
Your child can be added from the age of just 3 months.
 
Get Cover Even When You’re Older
Individuals can avail of cover under this policy for the first time up to the age of 65
Your children can be added as long as they aren’t over the age of 25 and are financially independent from you.
 
No Age Cut Off
This is a lifelong policy, so you can continue to renew it, irrespective of how old you are.
 
Flexible Premium Payment Options
You can opt to pay the premium annually, half-yearly, quarterly or even monthly.
 
Cover the Whole Family
You can choose to cover just an individual or your entire family under a floater policy. We’ll cover up to 8 family members, including your spouse, parents, parents-in-law and dependent children.
 
Select Your Cover
Minimum cover available: INR 1,00,000
Maximum cover available: INR 5,00,000
Increments allowed in multiples of INR 50,000.
 
Get Cover From a Young Age
As the proposer, you can purchase the policy from just 18 years of age
Your child can be added from the age of just 3 months.
 
Get Cover Even When You’re Older
Individuals can avail of cover under this policy for the first time up to the age of 65
Your children can be added as long as they aren’t over the age of 25 and are financially independent from you.
 
No Age Cut Off
This is a lifelong policy, so you can continue to renew it, irrespective of how old you are.
 
Flexible Premium Payment Options
You can opt to pay the premium annually, half-yearly, quarterly or even monthly.
 
Cover the Whole Family
You can choose to cover just an individual or your entire family under a floater policy. We’ll cover up to 8 family members, including your spouse, parents, parents-in-law and dependent children.
 

Some Helpful Documents

Why Edelweiss Arogya Sanjeevani Policy?

You’ve definitely got this

Really, we cover everybody above the age of 3 months. We don’t believe that you’re ever too old for insurance.

8 people – 1 policy

That’s right, you can cover yourself, your spouse and children, your parents and your in-laws under the same policy.

It’s okay if you’re into alternative therapy

Whether you prefer Ayurveda, allopathy or Homeopathy treatment, our policy will be there for you. You do you!

We Won't Play The Claim Game

Call us on 1800 12000 022 423 12000 or email us at support@edelweissinsurance.com to let us know the details of your claim.

 

We’ll work on your claim and either transfer the money to you if you’ve already made a payment, or directly pay the hospital if you’ve gone cashless.

Of course, if you still need us to answer any queries, you can get in touch with us at and we’ll reply ASAP.

Arogya Sanjeevani FAQs

 

Is there any way I can increase my arogya sanjeevani policy cover?

Absolutely! When your policy is up for renewal, you can choose to increase your sum insured (in multiples of INR 50,000), provided the cumulative amount is not over INR 5,00,000. If you haven’t made any claims in the previous year, your sum insured will be increased by 5% as per the cumulative bonus you are eligible to enjoy.
 

Is there any waiting period for arogya sanjeevani policy?

Every

health insurance policy

has a waiting period during which time certain claims will not be entertained. The waiting period for various issues is as follows:
1. 30 Days – For all claims except those that arise as the result of an accident
2. 24 Months – For specific conditions, surgeries and treatments, including, but not limited to, benign tumours, gastric ulcers, non-infective arthritis, varicose veins and congenital anomalies
3. 48 Months – For all pre-existing diseases that were declared on the proposal form and have been accepted by the company as well as treatment for joint replacement (unless caused by an accident) and age-related osteoarthritis and osteoporosis* *To learn more about how long the waiting period is for different procedures and treatments, please have a look at the policy wordings
 

How long is my arogya sanjeevani policy valid for?

Every policy is valid for only a single year. But, our hassle-free renewal process makes it easy for you to continue to renew your policy at the end of every term. As for how long we’ll cover you – don’t worry about it, we’ve got your back for life.
 

What happens if I lose my arogya sanjeevani policy documents?

Once you make the payment, you’ll get a soft copy sent straight to your e-mail. So, even if you do lose your physical copy, you’ll have one waiting in your inbox, but we get that the e-mail might get deleted, too. If you need another hard or soft copy, you can get in touch with us and we’ll send one across ASAP.
 

Will I need to complete a medical test for arogya sanjeevani policy?

In most cases, we won’t need you to undergo any kind of test. But, we’ll take a final call based on your age and medical history basis that we shall reach out to our Pre Policy Check-up TPA – MD India and inform you about the same.
 

Who manages arogya sanjeevani claims through your network hospitals and how can I find one?

Currently, our TPAs are Paramount. For more information, you can simply click here, and Assist America Emergency Medical Services (India) Private Limited – click here to know more. Here's a list of Edelweiss General Insurance network hospitals near you.
 

How do I avail the arogya sanjeevani cashless scheme facility?

Whether you’ve booked your appointment in advance or need to rush to the hospital in an emergency, simply contact the TPA desk at the network hospital and show them your health card or your policy copy to get cashless services.
Arogya Sanjeevani Policy, Edelweiss General Insurance Company Limited I UIN: EDLHLIP20158V011920
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