Arogya Sanjeevani Policy (Cashless facility available)

Highlights of Arogya Sanjeevani, The New India Assurance Co.Ltd.,

  1. Sum insured is from INR 50,000 to INR 10 lacs in multiples ofINR 50,000.
  2. The policy can be taken either on Individual or Floater Sum Insured basis.
  3. No Pre-Acceptance Medical Checkup.
  4. Room rent is upto 2% of the sum insured subject to a maximum of INR 5,000. ICU/ICCU will be upto 5% of the sum insured subject to a maximum of INR 10,000.
  5. Dependent spouse, children, parents and parents in law can be covered under the policy.
  6. Cataract surgeries will be paid upto 25% of sum insured subject to a maximum or INR 40,000.
  7. Expense incurred for Ayurveda, Yoga and Naturopathy, Unani, Siddha and Homeopathy system of medicines are covered 100% of Sum insured.
  8. Treatments towards HIV, Mental Illness and Genetic disorders are also payable under the policy.
  9. Cumulative bonus is available @5% per every claim free year upto a maximum of 50%.
  10. Following advance treatments are covered upto 50% of the sum insured.
    • Uterine Artery Embolization and HIFU (High intensity focused ultrasound)
    • Balloon Sinuplasty.
    • Deep Brain stimulation.
    • Oral chemotherapy.
    • Immunotherapy- Monoclonal Antibody to be given as injection.
    • Intra vitreal injections.
    • Robotic surgeries.
    • Stereotactic radio surgeries.
    • Bronchial Thermoplasty.
    • Vaporisation of the prostrate (Green laser treatment or holmium laser treatment).
    • ONM - (Intra Operative Neuro Monitoring).
    • Stem cell therapy: Hematopoietic stem cells for bone marrow transplant for haematological conditions to be covered.
  11. Dental treatment due to disease or injury is also covered.
  12. Pre hospitalization expenses upto 30 days
  13. Post hospitalization upto 60 days
  14. A loading @ 5% per pre-existing life style diseases like hypertension, diabetes and BMI >32.
  15. Co-pay of 5% on each and every claim.
  16. There is waiting period of 30 days under the policy.
  17. In addition there is 24 & 48 months waiting period for specific illnesses.
  18. 48 months waiting period is applicable for all PED.
  19. Moratorium period of 8 years is applicable after which no claim can be turned down for non-disclosure and or misrepresentation.
  20. No multiple policies from our own Company is allowed.
  21. Instalment Premium facility available


Premium chart is same for both Individual Sum Insured and Floater Sum Insured. For Floater Sum

Insured a discount of 5% shall be given.

Age 100000150000200000250000300000350000400000450000500000
<=35 362643425007547057466008625064706665
36-45 380545575257574360346309656367947000
46-50 64947798901198531035710833112751167512032
51-55 84091010811688127851344214062146371515915623
56-60 108931310215155165811743618241189891966720271
61-65 144801742620165220682320724282252792618426990
66-70 176582125724603269272831829631308493195432938
71-75 215412593630023328613456136165376523900240203
>76 & above 262833165136642401104218544144459614760949077


  • Discount of 20% will be applicable for Policyholders residing in places other than Greater Mumbai (includes Mira-Bhayandar, Thane, Navi Mumbai, Kalyan-Dombivli, Ulhasnagar, Ambarnath, Badlapur), entire State of Gujarat, Delhi NCR (includes Faridabad, Gurgaon, Mewat, Rohtak, Sonepat, Rewari, Jhajjhar, Panipat and Palwal, Meerut, Ghaziabad, Gautam Budha Nagar, Bulandshahr, and Baghpat, Alwar and NCT of Delhi), and cities namely Bengaluru, Chennai, Hyderabad, Secunderabad, Pune and Kolkata.
  • Digital Discount of 10% is applicable for both Fresh and Renewals. This is only applicable in The New India Assurance Customer Portals and it is over and above the Discount of 20%.
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