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Arogya Sanjeevani Policy - National

A standard National Insurance indemnity health policy distributed through Bank of Baroda, available on an individual or floater basis with ₹1 lakh–₹5 lakh sum-insured options, hospitalisation and day-care cover, 5% co-pay, published waiting periods, full premium matrices and lifelong renewability.

Policy typeStandard indemnity health insurance; available on an individual or family-floater basis.
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Quick eligibility check

Arogya Sanjeevani Policy - National

0 of 8 answered

Answer what you know. This guide compares your answers with the criteria published for this product; it is not an approval decision. Your answers stay on this device.

1Are you this type of customer: The proposer and each adult family member can enter from 18 to 65 years?

Published source: Entry age

2Do you meet this requirement: A proposer older than 65 may cover family members without covering self?

Published source: Entry age

3Do you meet this requirement: Dependent natural or legally adopted children may be covered from 91 days/3 months to 25 years when a parent is covered?

Published source: Entry age

4Do you meet this requirement: a financially independent child above 18 is not eligible at later renewals?

Published source: Entry age

5Document checkDo you have this required document or proof: Policy wording, prospectus and customer information sheet linked on the current BOB page?

6Document checkDo you have this required document or proof: For cashless treatment: cashless request and pre-authorisation through the network hospital/TPA?

7Document checkDo you have this required document or proof: For reimbursement: completed claim form, patient photo-ID, admission prescription, original itemised bills, payment receipts, discharge summary and diagnostic reports?

8Document checkDo you have at least one of these required documents: For surgical claims: operation-theatre notes or surgeon certificate and implant sticker/invoice where applicable?

0 of 8 answeredAnswer the remaining questions to see your checklist result.
✓ Manually checked 28 Sept 2026 · active
Arogya Sanjeevani Policy - National official Bank of Baroda artwork
Offered byBank of Baroda

Treatment outside the geographical limits of India is excluded under the policy wording; cashless treatment is available only at network providers through the insurer/.

Key facts

What the official sources publish

Every value belongs to this exact product. Expand any fact to inspect its official evidence in place.

Policy typeStandard indemnity health insurance; available on an individual or family-floater basis.View source
The current page calls it a standard indemnity health-insurance product and says it is available in individual and floater type.
Source
Arogya Sanjeevani Policy - National — current Bank of Baroda product page
Page / section
Lines 159–161; Features and Coverage
Accessed
28 Sept 2026
Confidence
high
Open official source ↗
InsurerNational Insurance Company Limited (IRDAI registration no. 58). Bank of Baroda acts as a corporate-agent distribution channel; the insurance contract is between National Insurance and the insured.View source
The wording identifies National Insurance Co. Ltd. as the Company; the page states that the contract is between the insurer and insured and is a corporate agent.
Source
Arogya Sanjeevani Policy - National — National Insurance policy wording
Page / section
Page 1; page lines 190–192
Accessed
28 Sept 2026
Confidence
high
Open official source ↗
Sum insured / cover₹1,00,000, ₹1,50,000, ₹2,00,000, ₹2,50,000, ₹3,00,000, ₹3,50,000, ₹4,00,000, ₹4,50,000 or ₹5,00,000; the policy wording describes these as ₹1 lakh–₹5 lakh in ₹50,000 multiples. Individual sum insured applies separately to each insured person; floater sum insured applies to the family.View source
The benefit table publishes INR 1L to 5L in multiples of INR 50,000 and distinguishes individual and floater application.
Source
Arogya Sanjeevani Policy - National — National Insurance policy wording
Page / section
Page 14 — Table of Benefits; page lines 176–177
Accessed
28 Sept 2026
Confidence
high
Open official source ↗
Entry ageThe proposer and each adult family member can enter from 18 to 65 years. A proposer older than 65 may cover family members without covering self. Dependent natural or legally adopted children may be covered from 91 days/3 months to 25 years when a parent is covered; a financially independent child above 18 is not eligible at later renewals.View source
The prospectus publishes proposer age 18–65, a family-only route for older proposers and dependent-child entry from 3 months to 25 years.
Source
Arogya Sanjeevani Policy - National — National Insurance prospectus
Page / section
Page 1 — Eligibility; page lines 177–180
Accessed
28 Sept 2026
Confidence
high
Open official source ↗
Policy termOne policy year at a time, with lifelong renewability. Grace period is 30 days for yearly payment and 15 days for other payment modes; continuity benefits are retained when renewed within the applicable grace period, but coverage is not available for a period for which no premium is received.View source
The wording states a one-year policy period and the benefit table gives 30-day yearly and 15-day other-mode grace periods; the page states lifelong renewability.
Source
Arogya Sanjeevani Policy - National — National Insurance policy wording
Page / section
Page 14 — Table of Benefits; pages 2–4 — Grace Period/Renewal; page lines 188–189
Accessed
28 Sept 2026
Confidence
high
Open official source ↗
Waiting periodIllness claims are excluded for the first 30 days from first commencement, except covered accidents. Pre-existing diseases are covered after 48 months of continuous coverage if declared and accepted. The linked policy wording specifies a 24-month waiting period for listed conditions/procedures; the current BOB summary also describes specific diseases as having two- or four-year waits, so the exact listed-condition schedule in the policy wording controls.View source
The wording gives 30 days, 48 months and 24 months for the respective waiting rules; the summary uses a two-/four-year shorthand, which is preserved as a disclosed source variation rather than silently discarded.
Source
Arogya Sanjeevani Policy - National — National Insurance policy wording
Page / section
Page 6 — Waiting Period; page lines 221–224
Accessed
28 Sept 2026
Confidence
high
Open official source ↗
Key coverageHospitalisation and listed day-care treatment for illness or injury; allopathy and AYUSH inpatient care; room/boarding/nursing up to 2% of sum insured capped at ₹5,000/day; ICU/ICCU up to 5% capped at ₹10,000/day; cataract up to 25% of sum insured or ₹40,000 per eye; ambulance up to ₹2,000 per hospitalisation; pre-hospitalisation 30 days and post-hospitalisation 60 days; 12 listed modern treatments up to 50% of sum insured; cashless at network providers through TPA; 5% co-pay on every claim; 5% claim-free cumulative bonus each year up to 50%.View source
The policy wording and current page publish the hospitalisation, , room/, cataract, ambulance, pre/post, modern-treatment, co-pay and cumulative-bonus limits.
Source
Arogya Sanjeevani Policy - National — National Insurance policy wording
Page / section
Pages 5–6 and 14 — Coverage and Table of Benefits; page lines 176–202
Accessed
28 Sept 2026
Confidence
high
Open official source ↗
Annual premium tablesThe prospectus publishes complete annual premium matrices by age band and ₹1,00,000–₹5,00,000 sum insured for the senior-most/individual member, second-eldest floater member, third-eldest floater member and all other members. The canonical tables retain every row. Rates include TPA charges and exclude GST; instalment totals are 103.50% half-yearly, 105.00% quarterly and 106.00% monthly, with a 10% direct-sale discount.View source
Every published age-band and sum-insured cell is preserved in the four canonical premium tables; the range is the observed table range, not an applicant-specific quote.
Source
Arogya Sanjeevani Policy - National — National Insurance prospectus
Page / section
Pages 16–17 — four premium matrices, instalment premium and discounts
Accessed
28 Sept 2026
Confidence
high
Open official source ↗
Key exclusions and cost sharingThe policy applies 5% co-pay on all claims and excludes, among other matters, the first 30 days of illness (covered accidents excepted), undeclared or unaccepted pre-existing conditions until the applicable waiting period, listed diseases/procedures during their waiting period, adventure-sport accidents, sterility/infertility and maternity, refractive-error surgery below 7.5 dioptres, cosmetic/plastic/gender-change treatment, drug/alcohol abuse, dental treatment except accident-related hospitalisation, domiciliary and OPD treatment, treatment outside India, war and nuclear/chemical/biological attack. Annexure-A and the permanently excluded-illness annexure remain available in the policy table record.View source
The current page lists the principal exclusions; the linked wording supplies the complete exclusions and annexures, which are preserved as source tables.
Source
Arogya Sanjeevani Policy - National — current Bank of Baroda product page
Page / section
Lines 221–230; policy wording pages 6–8 and 15–18
Accessed
28 Sept 2026
Confidence
high
Open official source ↗
Geographic limitsTreatment taken outside the geographical limits of India is excluded. Cashless treatment is limited to insurer/TPA network providers in India; reimbursement follows the policy wording.View source
The wording expressly excludes treatment outside India and defines cashless treatment through network providers.
Source
Arogya Sanjeevani Policy - National — National Insurance policy wording
Page / section
Page 8 — Exclusion 7.19; pages 8–9 — Cashless claims
Accessed
28 Sept 2026
Confidence
high
Open official source ↗
Claims procedureFor planned hospitalisation, notify the Company/TPA at least 48 hours before admission under the policy wording (the BOB page asks for 72 hours); for emergency admission, notify within 24 hours or before discharge, whichever is earlier. Cashless treatment needs network-provider pre-authorisation. Reimbursement hospitalisation/day-care/pre-hospitalisation claims are due within 30 days of discharge; post-hospitalisation claims within 15 days after treatment. Original claim form, patient ID, admission prescription, itemised bills, receipts, discharge summary, diagnostics, OT/surgeon notes, implant invoice, MLR/FIR where applicable, NEFT/cancelled cheque, KYC above ₹1 lakh and legal-heir documents where applicable are required.View source
The policy wording and summary publish slightly different planned-notice wording; both are retained and the policy wording is identified as controlling contract language.
Source
Arogya Sanjeevani Policy - National — National Insurance policy wording
Page / section
Pages 9–10 — Claim Procedure; page lines 231–256
Accessed
28 Sept 2026
Confidence
high
Open official source ↗
Pre-policy check-upFor first-time proposers or dependants aged 55 years and above. Published tests include physical examination, fasting/post-prandial blood sugar and sometimes HbA1c, lipid profile, serum creatinine, urine routine/microscopy, ECG, eye check-up/retinoscopy and any other medically necessary company test. Reports must be no more than 30 days old; 50% of the check-up expense is reimbursed if the proposal is accepted.View source
The current page publishes the 55+ first-time rule, tests, 30-day report limit and 50% reimbursement condition.
Source
Arogya Sanjeevani Policy - National — current Bank of Baroda product page
Page / section
Lines 205–220 — Pre Policy Check Up
Accessed
28 Sept 2026
Confidence
high
Open official source ↗
Moratorium periodAfter eight continuous years, the policy applies a moratorium with no look-back except proven fraud and permanent exclusions; policy limits, sub-limits and co-payments continue to apply. The eight-year period applies separately to later sum-insured enhancements for the enhanced portion.View source
The wording publishes an eight-year moratorium and preserves limits, sub-limits and co-payments.
Source
Arogya Sanjeevani Policy - National — National Insurance policy wording
Page / section
Page 8 — Moratorium Period
Accessed
28 Sept 2026
Confidence
high
Open official source ↗

Benefits and features

  • Individual or floater hospitalisation cover including allopathy and , pre/post-hospitalisation up to 30/60 days, ambulance up to ₹2,000 per hospitalisation, modern treatments up to 50% of sum insured, cataract up to 25% of sum insured or ₹40,000 per eye, cashless network-hospital treatment and lifelong renewability.

Documents the bank lists

  • Policy wording, prospectus and customer information sheet linked on the current page.
  • For cashless treatment: cashless request and pre-authorisation through the network hospital/.
  • For reimbursement: completed claim form, patient photo-, admission prescription, original itemised bills, payment receipts, discharge summary and diagnostic reports.
  • For surgical claims: operation-theatre notes or surgeon certificate and implant sticker/invoice where applicable.
  • Where applicable: MLR/, details and cancelled cheque, proposer with address when claim liability exceeds ₹1 lakh, legal-heir/succession certificate and any other document requested by the insurer/.

Related official documents

Arogya Sanjeevani Policy - National — National Insurance policy wordingofficial-policy-pdf · current · accessed 28 Sept 2026
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Arogya Sanjeevani Policy - National — National Insurance customer information sheetofficial-customer-information-sheet · current · accessed 28 Sept 2026
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Arogya Sanjeevani Policy - National — National Insurance prospectusofficial-prospectus · current · accessed 28 Sept 2026
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Arogya Sanjeevani Policy - National — official BOB artwork routeofficial-product-image · cached-official-asset · accessed 28 Sept 2026
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Arogya Sanjeevani Policy - National — current Bank of Baroda product pageofficial-product-page · current · accessed 28 Sept 2026
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Plan before applying

Try the numbers

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Life-cover needs estimate

See whether your current cover and savings may leave a gap for your family. This does not calculate an insurance premium.

Possible cover gap₹1,15,00,000one crore fifteen lakh rupees
Income your family may need₹1,00,00,000one crore rupees
Cover and savings already counted₹5,00,000five lakh rupees

This is only an estimate, not a bank or insurer offer. The final amount can change because of taxes, fees, rate changes and provider rules.

Use the published table

Find the exact published value

Choose a table, then pick its row and column. This shows the exact entry published by the bank or insurer without making you scan every cell.

0-5 · ₹1 lakh₹2,932two thousand nine hundred thirty-two rupees

This value is copied from Individual or floater senior-most member premium. Check the table notes before relying on it.

Source: Arogya Sanjeevani Policy - National Prospectus · Page 16 - Individual / senior-most member premium table Open official source ↗

Published tables

Complete rates, limits and schedules

Tables preserve every reviewed row and column from the cited official source.

Table 1 · 16 rows · 10 columnsIndividual or floater senior-most member premiumAnnual premium in rupees; includes TPA charges and excludes GST.View tableHide table

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Individual or floater senior-most member premium
Age band₹1 lakh₹1.5 lakh₹2 lakh₹2.5 lakh₹3 lakh₹3.5 lakh₹4 lakh₹4.5 lakh₹5 lakh
0-5₹2,932₹3,696₹3,969₹4,224₹4,472₹4,684₹4,879₹5,123₹5,323
6-17₹2,435₹2,892₹3,240₹3,793₹4,305₹4,542₹4,778₹4,987₹5,157
18-25₹2,752₹3,217₹3,828₹4,236₹4,709₹5,145₹5,473₹5,794₹6,057
26-30₹3,031₹3,748₹4,358₹4,730₹5,152₹5,698₹6,170₹6,728₹7,185
31-35₹3,467₹4,210₹4,757₹5,371₹5,728₹6,249₹6,699₹7,243₹7,688
36-40₹4,137₹4,959₹5,451₹6,094₹6,532₹6,975₹7,378₹7,831₹8,202
41-45₹4,472₹5,650₹6,413₹7,012₹7,756₹8,316₹8,877₹9,521₹10,048
46-50₹5,266₹7,414₹8,299₹9,005₹10,329₹10,916₹11,525₹12,639₹13,551
51-55₹7,260₹9,894₹11,028₹12,671₹13,951₹14,918₹15,878₹17,065₹18,037
56-60₹9,619₹12,789₹15,022₹16,828₹18,376₹20,006₹21,409₹23,317₹24,877
61-65₹12,079₹15,685₹18,444₹20,427₹22,436₹25,465₹28,673₹31,311₹33,470
66-70₹15,552₹19,284₹23,386₹27,430₹29,608₹32,229₹37,746₹40,426₹42,618
71-75₹18,270₹22,433₹27,994₹31,667₹33,050₹35,643₹42,486₹46,288₹49,398
76-80₹20,535₹25,746₹30,732₹35,518₹37,812₹42,487₹48,187₹52,721₹56,430
81-85₹22,100₹28,321₹33,785₹38,166₹41,522₹46,666₹52,913₹57,874₹61,934
86+₹24,295₹31,120₹37,107₹40,975₹45,560₹51,213₹56,782₹62,908₹67,921
  • For individual policies, use the table for each family member. For floater policies, use it for the senior-most member.
Arogya Sanjeevani Policy - National Prospectus · Page 16 - Individual / senior-most member premium table · accessed 24 Aug 2026Open official source ↗
Table 2 · 16 rows · 10 columnsFloater second-eldest member premiumAnnual premium in rupees; includes TPA charges and excludes GST.View tableHide table

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Floater second-eldest member premium
Age band₹1 lakh₹1.5 lakh₹2 lakh₹2.5 lakh₹3 lakh₹3.5 lakh₹4 lakh₹4.5 lakh₹5 lakh
0-5₹2,228₹2,809₹3,017₹3,210₹3,399₹3,560₹3,708₹3,894₹4,046
6-17₹1,850₹2,198₹2,463₹2,883₹3,272₹3,452₹3,632₹3,790₹3,920
18-25₹2,147₹2,510₹2,986₹3,304₹3,673₹4,013₹4,269₹4,519₹4,724
26-30₹2,364₹2,924₹3,400₹3,689₹4,018₹4,445₹4,812₹5,248₹5,604
31-35₹2,774₹3,368₹3,806₹4,297₹4,583₹4,999₹5,360₹5,795₹6,151
36-40₹3,310₹3,968₹4,361₹4,876₹5,225₹5,580₹5,903₹6,265₹6,562
41-45₹3,667₹4,633₹5,259₹5,750₹6,360₹6,819₹7,279₹7,807₹8,239
46-50₹4,318₹6,080₹6,806₹7,384₹8,470₹8,951₹9,450₹10,364₹11,112
51-55₹6,026₹8,212₹9,153₹10,517₹11,580₹12,382₹13,179₹14,164₹14,970
56-60₹7,984₹10,614₹12,468₹13,967₹15,252₹16,605₹17,769₹19,353₹20,648
61-65₹10,026₹13,019₹15,309₹16,954₹18,621₹21,136₹23,798₹25,988₹27,780
66-70₹13,064₹16,199₹19,644₹23,041₹24,871₹27,072₹31,707₹33,958₹35,799
71-75₹15,530₹19,068₹23,795₹26,917₹28,092₹30,296₹36,113₹39,344₹41,989
76-80₹17,455₹21,884₹26,122₹30,190₹32,140₹36,114₹40,959₹44,813₹47,966
81-85₹18,785₹24,073₹28,717₹32,441₹35,294₹39,666₹44,976₹49,193₹52,644
86+₹20,894₹26,763₹31,912₹35,238₹39,182₹44,043₹48,832₹54,101₹58,412
Arogya Sanjeevani Policy - National Prospectus · Page 16 - Floater second-eldest member premium table · accessed 24 Aug 2026Open official source ↗
Table 3 · 16 rows · 10 columnsFloater third-eldest member premiumAnnual premium in rupees; includes TPA charges and excludes GST.View tableHide table

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Floater third-eldest member premium
Age band₹1 lakh₹1.5 lakh₹2 lakh₹2.5 lakh₹3 lakh₹3.5 lakh₹4 lakh₹4.5 lakh₹5 lakh
0-5₹1,862₹2,347₹2,520₹2,682₹2,840₹2,974₹3,098₹3,253₹3,380
6-17₹1,558₹1,851₹2,074₹2,428₹2,755₹2,907₹3,058₹3,192₹3,301
18-25₹1,844₹2,156₹2,565₹2,838₹3,155₹3,447₹3,667₹3,882₹4,058
26-30₹2,031₹2,511₹2,920₹3,169₹3,452₹3,818₹4,134₹4,508₹4,814
31-35₹2,427₹2,947₹3,330₹3,760₹4,010₹4,374₹4,690₹5,070₹5,382
36-40₹2,896₹3,472₹3,816₹4,266₹4,572₹4,883₹5,165₹5,482₹5,741
41-45₹3,287₹4,153₹4,714₹5,154₹5,700₹6,112₹6,525₹6,998₹7,385
46-50₹3,949₹5,561₹6,225₹6,753₹7,747₹8,187₹8,644₹9,480₹10,163
51-55₹5,627₹7,668₹8,546₹9,820₹10,812₹11,561₹12,305₹13,225₹13,978
56-60₹7,599₹10,103₹11,867₹13,294₹14,517₹15,805₹16,913₹18,420₹19,653
61-65₹9,664₹12,548₹14,755₹16,342₹17,948₹20,372₹22,938₹25,049₹26,776
66-70₹12,597₹15,620₹18,943₹22,219₹23,983₹26,105₹30,575₹32,745₹34,520
71-75₹15,073₹18,507₹23,095₹26,125₹27,266₹29,405₹35,051₹38,187₹40,754
76-80₹16,839₹21,112₹25,200₹29,124₹31,006₹34,839₹39,513₹43,231₹46,273
81-85₹18,122₹23,224₹27,703₹31,296₹34,048₹38,266₹43,389₹47,457₹50,786
86+₹20,165₹25,830₹30,798₹34,009₹37,815₹42,507₹47,129₹52,214₹56,374
Arogya Sanjeevani Policy - National Prospectus · Page 16 - Floater third-eldest member premium table · accessed 24 Aug 2026Open official source ↗
Table 4 · 16 rows · 10 columnsFloater all other family members premiumAnnual premium in rupees; includes TPA charges and excludes GST.View tableHide table

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Floater all other family members premium
Age band₹1 lakh₹1.5 lakh₹2 lakh₹2.5 lakh₹3 lakh₹3.5 lakh₹4 lakh₹4.5 lakh₹5 lakh
0-5₹1,539₹1,940₹2,084₹2,218₹2,348₹2,459₹2,562₹2,690₹2,795
6-17₹1,315₹1,562₹1,750₹2,048₹2,325₹2,453₹2,580₹2,693₹2,785
18-25₹1,569₹1,834₹2,182₹2,415₹2,684₹2,933₹3,120₹3,303₹3,452
26-30₹1,758₹2,174₹2,528₹2,743₹2,988₹3,305₹3,578₹3,902₹4,167
31-35₹2,184₹2,652₹2,997₹3,384₹3,609₹3,937₹4,221₹4,563₹4,844
36-40₹2,689₹3,224₹3,543₹3,961₹4,246₹4,534₹4,796₹5,090₹5,331
41-45₹3,108₹3,927₹4,457₹4,873₹5,390₹5,780₹6,170₹6,617₹6,983
46-50₹3,844₹5,412₹6,059₹6,573₹7,540₹7,969₹8,413₹9,227₹9,892
51-55₹5,482₹7,470₹8,326₹9,567₹10,533₹11,263₹11,988₹12,884₹13,618
56-60₹7,407₹9,847₹11,567₹12,957₹14,150₹15,405₹16,485₹17,954₹19,156
61-65₹9,422₹12,234₹14,387₹15,933₹17,500₹19,863₹22,365₹24,423₹26,107
66-70₹12,286₹15,235₹18,475₹21,670₹23,391₹25,461₹29,820₹31,936₹33,668
71-75₹14,707₹18,058₹22,535₹25,492₹26,605₹28,692₹34,201₹37,262₹39,766
76-80₹16,428₹20,597₹24,586₹28,414₹30,249₹33,990₹38,549₹42,176₹45,144
81-85₹17,680₹22,657₹27,028₹30,533₹33,218₹37,333₹42,330₹46,299₹49,547
86+₹19,679₹25,207₹30,056₹33,190₹36,904₹41,483₹45,993₹50,956₹55,016
Arogya Sanjeevani Policy - National Prospectus · Page 17 - Floater all other family members premium table · accessed 24 Aug 2026Open official source ↗
Table 5 · 3 rows · 4 columnsInstalment premium percentagesView tableHide table

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Instalment premium percentages
InstalmentHalf-yearlyQuarterlyMonthly
First instalment53.50%30.00%12.50%
Other instalment(s)50.00%25.00%8.50%
Total103.50%105.00%106.00%
  • Direct-sale discount is 10% of total premium.
  • No loading applies on renewal based on individual claims experience.
Arogya Sanjeevani Policy - National Prospectus · Page 17 - Instalment Premium and Discounts · accessed 24 Aug 2026Open official source ↗
Table 6 · 7 rows · 2 columnsArogya Sanjeevani National — published cover and limitsKey sum-insured, age, waiting-period and hospitalisation rows from the official page.View tableHide table

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Arogya Sanjeevani National — published cover and limits
TermPublished detail
Sum insured₹1 lakh, ₹1.5 lakh, ₹2 lakh, ₹2.5 lakh, ₹3 lakh, ₹3.5 lakh, ₹4 lakh, ₹4.5 lakh or ₹5 lakh
Entry age18–65 years; new-born cover from 3 months under listed family-cover terms
HospitalisationIndividual or floater; allopathy and ; cashless network hospitals through
Pre/post hospitalisationUp to 30 days before and 60 days after hospitalisation for the same illness/injury
Room/ limitsRoom rent 2% of sum insured or ₹5,000/day, whichever is lower; 5% or ₹10,000/day
Waiting periods30 days for illness other than accidents; pre-existing disease 48 months; specified diseases 2 or 4 years
Other limitsAmbulance ₹2,000 per hospitalisation; cataract 25% of sum insured or ₹40,000 per eye; modern treatments 50% of sum insured
  • The page also states lifelong renewability, portability under rules and a 5% co-pay on every claim.
Arogya Sanjeevani Policy - National · Features; Coverage; Exclusions; Claims Procedure; Important Documents · accessed 30 Aug 2026Open official source ↗
Table 7 · 18 rows · 2 columnsArogya Sanjeevani National — benefit limits and eligibilityPublished benefit rows from the current BOB page and the linked National Insurance policy wording.View tableHide table

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Arogya Sanjeevani National — benefit limits and eligibility
Benefit or conditionPublished limit or rule
Policy typeStandard indemnity; individual or floater.
Sum insured₹1,00,000 to ₹5,00,000 in ₹50,000 multiples.
Policy periodOne year; lifelong renewability.
EligibilityProposer 18–65; family-only route for proposer over 65; dependent children 91 days–25 years with a parent covered.
Grace period30 days for annual payment; 15 days for other payment modes.
HospitalisationMinimum 24 consecutive hours, except listed day-care treatment.
Pre-hospitalisation30 days before admissible hospitalisation.
Post-hospitalisation60 days after discharge from admissible hospitalisation.
Room rent2% of sum insured, maximum ₹5,000/day.
/5% of sum insured, maximum ₹10,000/day.
Cataract25% of sum insured or ₹40,000 per eye, whichever is lower.
Inpatient treatment up to sum insured during each policy year.
AmbulanceMaximum ₹2,000 per hospitalisation.
Modern treatments12 listed procedures up to 50% of sum insured.
Cumulative bonus5% of sum insured for each claim-free year, maximum 50%.
Co-pay5% on all claims.
Pre-existing diseaseDeclared and accepted PED covered after 48 months.
Portability/migrationAllowed under applicable guidelines and policy conditions.
  • Room/, cataract and co-pay limits remain applicable even after the moratorium.
Arogya Sanjeevani Policy - National — National Insurance policy wording · Pages 5–6 and 14 — Coverage and Table of Benefits · accessed 28 Sept 2026Open official source ↗
Table 8 · 11 rows · 2 columnsArogya Sanjeevani National — claims route and documentsCashless and reimbursement steps from the policy wording, with the current BOB page checklist retained.View tableHide table

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Arogya Sanjeevani National — claims route and documents
Claim stepPublished requirement
Cashless facilityUse a network provider and obtain Company/ pre-authorisation; pay non-medical and inadmissible expenses at discharge.
Planned hospitalisationPolicy wording: notify at least 48 hours before admission; page summary: 72 hours prior.
Emergency hospitalisationNotify within 24 hours or before discharge, whichever is earlier, under the policy wording.
Hospitalisation/day-care/pre-hospitalisation reimbursementSubmit within 30 days of discharge.
Post-hospitalisation reimbursementSubmit within 15 days after completion of post-hospitalisation treatment.
Core documentsClaim form; patient photo ; admission prescription; original itemised bills; payment receipts.
Medical recordsDischarge summary; investigation/diagnostic reports with prescription.
Surgical recordsOT notes or surgeon certificate; implant sticker/invoice where applicable.
Incident and payment recordsMLR/ where applicable; details and cancelled cheque.
Additional verification with address above ₹1 lakh claim liability; legal-heir/succession certificate where applicable; any other Company/ document.
DelayThe policy may condone delay on merit where reasons are beyond the insured's control.
  • The policy wording controls where the current summary uses a different notice period.
Arogya Sanjeevani Policy - National — National Insurance policy wording · Pages 9–10 — Claim Procedure; page lines 231–256 · accessed 28 Sept 2026Open official source ↗
Table 9 · 12 rows · 2 columnsArogya Sanjeevani National — modern treatmentsModern procedures listed in the policy wording; cover is subject to medical indication and the published sub-limit.View tableHide table

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Arogya Sanjeevani National — modern treatments
No.Procedure
1Uterine artery embolization and HIFU (high-intensity focused ultrasound)
2Balloon sinuplasty
3Deep brain stimulation
4Oral chemotherapy
5Immunotherapy — monoclonal antibody injection
6Intra-vitreal injections
7Robotic surgeries
8Stereotactic radio surgeries
9Bronchial thermoplasty
10Vaporisation of the prostate (green laser or holmium laser)
11IONM — intra-operative neuro monitoring
12Stem-cell therapy for haematopoietic stem cells in bone-marrow transplant for haematological conditions
  • The policy states these procedures are covered up to 50% of sum insured during the policy period where medically indicated.
Arogya Sanjeevani Policy - National — National Insurance policy wording · Page 5 — Section 4.6 · accessed 28 Sept 2026Open official source ↗
Table 10 · 4 rows · 2 columnsArogya Sanjeevani National — Annexure-A expense listsComplete grouped item lists from the policy annexure. List I is not covered; Lists II–IV are subsumed into room, procedure or treatment costs as stated.View tableHide table

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Arogya Sanjeevani National — Annexure-A expense lists
ListItems retained from the policy annexure
List I — coverage not availableBaby food; baby utilities; beauty services; belts/braces; buds; cold/hot packs; carry bags; email/internet; non-patient food; leggings; laundry; mineral water; sanitary pad; telephone; guest services; crepe bandage; diapers; eyelet collar; slings; blood grouping/cross matching; duplicate service charges; television; surcharges; attendant; extra diet; birth/certificate/courier/conveyance/medical-record/photocopy/mortuary/walking-aid charges; outside-hospital oxygen cylinder; spacer; spirometre; nebulizer kit; steam inhaler; armsling; thermometer; cervical collar; splint; diabetic footwear; knee braces/immobilizer; lumbo-sacral belt; nimbus/water/air bed; ambulance collar/equipment; abdominal binder; private nurse; sugar-free tablets; non-prescribed creams/powders/lotions; ECG electrodes; gloves; nebulisation kit; kits without details.
List II — subsumed into room chargesKidney tray; mask; ounce glass; oxygen mask; pelvic traction belt; pan can; trolley cover; urometer/urine jug; ambulance; vasofix safety.
List III — subsumed into procedure chargesBaby charges unless specified; hand wash; shoe cover; caps; cradle charges; comb; eau-de-cologne/room freshener; foot cover; gown; slippers; tissue paper; toothpaste; toothbrush; bed pan; face/flexi mask; hand holder; sputum cup; disinfectant lotions; luxury tax; HVAC; housekeeping; air-conditioner; IM/IV injection; clean sheet; blanket/warmer; admission kit; diabetic chart; documentation/administrative; discharge procedure; daily chart; entrance/visitor pass; discharge-prescription; file opening; incidental/miscellaneous; patient identification band/name tag; pulse-oximeter.
List IV — subsumed into treatment costsHair-removal cream; disposable razor for site preparation; eye pad/shield; camera cover; DVD/CD; gauze soft/gauze; ward and theatre booking; arthroscopy/endoscopy instruments; microscope cover; surgical blades/harmonic scalpel/shaver; surgical drill; eye kit/drape; X-ray film; Boyles apparatus; cotton/cotton bandage; surgical tape; apron; tourniquet; orthobundle/gynaec bundle; admission/registration; diagnostic-evaluation hospitalisation; urine container; blood reservation/antenatal booking; BiPAP; CPAP/CAPD; infusion pump; hydrogen peroxide/spirit/disinfectants; dietician/diet charges; kit; antiseptic mouthwash; lozenges; mouth paint; vaccination; alcohol swabs; sterilising solution; glucometer/strips; urine bag.
  • Items are grouped exactly by the annexure's four list headings; the policy wording controls interpretation of each group.
Arogya Sanjeevani Policy - National — National Insurance policy wording · Pages 15–17 — Annexure-A Lists I–IV · accessed 28 Sept 2026Open official source ↗
Table 11 · 16 rows · 3 columnsArogya Sanjeevani National — permanently excluded illness scheduleThe policy's Annexure-B schedule of existing diseases and ICD ranges excluded where recorded in the policy schedule.View tableHide table

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Arogya Sanjeevani National — permanently excluded illness schedule
No.Existing disease or conditionICD range / published description
1SarcoidosisD86.0–D86.9
2Malignant neoplasmsC00–C14, C15–C26, C30–C39, C40–C41, C43–C44, C45–C49, C50, C51–C58, C60–C63, C64–C68, C69–C72, C73–C75, C76–C80, C7A–C7B, C81–C96, D00–D09, D10–D36, D37–D48, D3A, D49
3EpilepsyG40
4Congenital heart, cardiac and valvular diseaseI05–I09, I20–I25, I34, I42, I49, I50, I05.0/I05.8/I05.9, Q20–Q28
5Cerebrovascular disease (stroke)I60–I69; I67
6Inflammatory bowel diseasesK50.0–K50.9; K51.0/K51.8/K51.9
7Chronic liver diseaseK70.0–K74.6; K70.3; K71.7; I98.2
8Pancreatic diseaseK85; Q45.0–Q45.1; K86.1–K86.8
9Chronic kidney diseaseN17–N19; I12.0/I12.9; I13.1/I13.2; N99.0; O08.4; O90.4; P96.0; Q60–Q64; E14.2/N08.3
10Hepatitis BB16.0/B16.1/B16.2/B16.9/B17.0/B18.0/B18.1
11Alzheimer's and Parkinson's diseaseG30.9; F00.9; G20
12Demyelinating diseaseG35–G37
13 and B20.0–B20.9; B23.0; B24
14Loss of hearingH90.0–H90.8; H91.0; H91.9
15Papulosquamous skin disorderL40–L45
16Avascular necrosis (osteonecrosis)M87–M87.9
  • This schedule applies to existing diseases disclosed and recorded in the policy schedule under the policy's terms; it is not a substitute for the insurer's underwriting decision.
Arogya Sanjeevani Policy - National — National Insurance policy wording · Page 18 — Annexure-B · accessed 28 Sept 2026Open official source ↗

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