Health + COVID-19 Insurance

Arogya Sanjeevani is an affordable health insurance plan that ensures you and your family are protected against unforeseen medical emergencies.*

The first thing on your mind while preparing for medical contingencies should be to buy a health insurance cover. Arogya Sanjeevani Mediclaim is a health insurance plan designed by the Insurance Regulatory & Development Authority of India (IRDAI), that offers coverage to the insured members for medical expenses arising from any illness or injury. The plan can be enrolled via PhonePe through instant, paperless means. A standard Arogya Sanjeevani cover will cover the cost of hospitalization, ICU, ambulance charges, etc.

Benefits

Pre & Post-Hospitalization costs

Pre-hospitalization expenses incurred up to 30 days prior to hospitalization and post-hospitalization expenses incurred up to 60 days post hospitalization are covered. Costs associated with doctor visits and medical reports are covered under this benefit.

Hospitalization costs

The Arogya Sanjeevani plan covers medical expenses arising out of hospitalization. The expenses covered include room rent, doctor's fees, nurse’s fee, surgeon’s fee, diagnostic tests, and pharmacy expenses.

Cashless treatment

Insurers have tie-ups with hospitals that provide cashless treatments to the insured when they are hospitalized in a network hospital. Once the pre-authorisation claim form is filled, submitted and approved by the insurer, you can benefit from the cashless treatment option.

No Claim Bonus

Insurers offer a No Claim Bonus (NCB) for not filing a claim during a cover year. There is, however, a cap on the amount of coverage you can extend through the No Claim Bonus.

Tax benefits*

The premiums paid towards a health insurance plan are eligible for tax deduction under Section 80D of the Income Tax Act of 1961. Thus, you can claim tax deduction for the premium you pay towards the Arogya Sanjeevani cover.

*Tax benefits are subject to changes in tax laws

Who can avail Health + COVID-19 (Arogya Sanjeevani)?

Individual / Family

An Arogya Sanjeevani cover can be availed by an individual to cover his/her medical expenses or for family to cover medical expenses for dependent as well as non-dependent family members.

Pre-existing health problems

An important factor that affects eligibility is pre-existing conditions. Your current health status and Pre-existing disease Declaration could impact your eligibility for the insurance plan.

Age Limit

The minimum age to insure a member is 3 months while the maximum age is 65 years for Arogya Sanjeevani cover on PhonePe (for insuring children below 18 years of age, an adult member also needs to be covered).

Why Should You Get Health + COVID-19 (Arogya Sanjeevani cover)?

Premiums are as low as Rs. 241/month**

Standard plan designed by Insurance Regulatory & Development Authority of India (IRDAI). Simply choose the insurer and price.

Offers Ayush treatments

Pre-hospitalization expenses for 30 days and post-hospitalization expenses for 60 days

High hospitalization cover up to Rs. 20,00,000

**For a 1 lakh cover amount for single member up to age 35 years

Got questions?
Read on to find out more!

How do I build my plan to buy the Arogya Sanjeevani cover?
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Can I cover any of my family members who are sick or suffer from any illness under this cover?
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When will my cover be issued after I buy it on PhonePe?
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*This is a Group Policy. The Master Policyholder is PhonePe Private Limited and PhonePe Insurance Broking services (PIBS) is the intermediary.
Direct Broker (Life & General) Reg. 766 and Broker Registration Code IRDA/DB 822/20 Valid till 10/08/2024

PhonePe Insurance Broking Services Private Limited. IRDAI Direct Broker (Life & General)
Reg. 766 and Broker Registration Code IRDA/DB 822/20 Valid till 10/08/2024.

Regd. office - Office-2, Floor 4,5,6,7, Wing A, Block A,Salarpuria Softzone, Service Road,
Green Glen Layout, Bellandur, Bengaluru, Karnataka-KA, Pin- 560103

CIN: U66000KA2020FTC132814

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