National Arogya Sanjeevani Health Insurance

Arogya Sanjeevani Policy offered by National Insurance Company is a standard health insurance product that covers individuals and families for basic healthcare expenses. This affordable and easy-to-understand policy offers cover to people aged between 3 months and 65 years, for sum insured options ranging between Rs. 1 Lakh and Rs. 5 Lakh (in multiples of Rs. 50,000). To be able to purchase the policy, the Proposer must be aged between 18 years and 65 years. You can also include dependent children too if they are aged between 3 months and 25 years. Some healthcare expenses that the policy covers you for, include in-patient hospitalisation expenses, daycare procedures, pre-hospitalisation and post-hospitalisation expenses, treatments taken under AYUSH systems of medicines, road ambulance expenses, etc.

Arogya Sanjeevani Policy is an annual policy that comes for a term of 1 year. However, you can renew the policy for a lifetime. Another policy highlight is that there is no requirement for medical check-ups until the age of 45 years, to be covered under this policy. Additional benefits that you can enjoy under the policy are tax benefits under Section 80D of the Income Tax Act, 1961, free look period, cumulative bonus, low co-payment (5%), etc. All in all, the policy is a simplified policy that offers the required insurance cover in today’s times.

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