Is Arogya Sanjeevani the same across insurers?

The core features are standard across insurers, but sublimits, co-payment and network terms can differ. Confirm Niva Bupa’s terms on 1860-500-8888.

Are pre- and post-hospitalisation expenses covered?

Under the standard product, yes: up to 30 days before and 60 days after hospitalisation, within the sum insured. Confirm on the policy schedule.

Is modern treatment covered?

Yes, up to 50% of the sum insured, including robotic surgery and oral chemotherapy (BankBazaar).

How long is the PED waiting period?

Up to 48 months under the IRDAI standard. Confirm Niva Bupa’s period on the policy schedule, or with 1860-500-8888.

How do I claim with a cashless facility?

Use your health card at a Niva Bupa network hospital. Pre-authorisation is required and is approved or rejected by the insurer. For help, call 1860-500-8888.

Is maternity covered?

No. Maternity expenses are excluded.

Is there a co-payment?

Yes, 5% of each admissible claim (PolicyX). Confirm on the policy schedule.

OneAssure

Health Insurance

Digit

Arogya Sanjeevani

Arogya Sanjeevani Policy Go Digit

Cover hospitalisation with a 5% co-pay on every admissible claim, cap room rent at 2% of the sum insured up to ₹5,000 a day, and add a 5% cumulative bonus each claim-free year up to 50%.

99%

Claim Settlement Ratio

6,400+

Network Hospitals

1/10

Plan Rating

Policy Brochure

Policy Policy Wording

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Our Verdict

Expert Review: Digit Arogya Sanjeevani

Final Verdict

Arogya Sanjeevani is an affordable standard health plan suited to first-time buyers and families who need basic in-patient cover. Its feature set is largely uniform across insurers, which makes comparison straightforward.The 5% co-payment on each claim, the ₹5 lakh sum insured ceiling, and the exclusion of maternity should be weighed before buying. Confirm the PED waiting period, any cataract sublimit and the room rent terms on the policy schedule.

About

What Is Arogya Sanjeevani?

The Go Digit Arogya Sanjeevani Policy offers comprehensive health coverage with sum insured options from ₹3 lakhs to ₹2 crores. It covers hospitalization, pre/post-hospitalization, day care treatments, and AYUSH treatments. A 5% co-payment applies to all claims. Waiting periods include 30 days for general illnesses, 24 months for specific diseases, and 48 months for pre-existing conditions. Benefits include lifelong renewability, cumulative bonuses, and a grace period for renewal. It’s an affordable, standardized plan ideal for individuals and families.

Arogya Sanjeevani Ratings

Arogya Sanjeevani

Insurer Rating

7.63

out of 10

Insurance Rating

1

out of 10

No Room Rent Limit

No

Consumables Covered

No

No Co-payment

No

Loyalty Bonus >= 500%

Yes

No Disease Sublimits

No

Unlimited Restoration

No

Additional Benefits (Informational Only — Not part of score)

PED Waiting <= 2 Years

No

Maternity Available

No

Waiting Period Waiver

No

Testimonials

Real People. Real Relief

These are the moments that show what we really do. We don't sell you a policy. We stand by you when it matters most.

I want to sincerely thank Sunad for being there for me throughout the entire claim process. He helped me through so many ups and downs, always patient and ready to support when things got tough. I honestly don’t know how I would have managed without his guidance and encouragement. Sunad made a difficult situation feel a lot less stressful, and I’m truly grateful for his kindness and steadfast help.

Prashant Pandey

Mumbai, Maharashtra

Had a great experience with them during a difficult time. After my mother’s accident, we had to pay the hospital bill upfront, as cashless wasn’t available. They guided us through the reimbursement process, helped file the claim, and consistently followed up with the insurer until it was settled. Their support with the post-hospitalization claim was equally prompt and thorough.

Jatin Gala

Mumbai, Maharashtra

My heartfelt thanks to the OneAssure team for making my insurance claim process effortless. Right from the very first interaction, they demonstrated professionalism, clear communication, and an impressive command of the procedures involved. Their swift updates, timely guidance, and persistent follow-through removed all the stress from what could have been a complicated experience.

Anju Renjith

Bengaluru, Karnataka

I am truly grateful for the support and guidance I received in settling my insurance claim. The entire process was handled with great professionalism, clarity, and efficiency. Their prompt response, deep knowledge of the procedures, and consistent follow-ups ensured a smooth and hassle-free experience.Thank you once again for your invaluable help, highly recommended!

Yogesh Meena

Jaipur, Rajasthan

I recently had the pleasure of purchasing health insurance for my parents through this company, and my experience has been exceptional...The team was incredibly patient and took the time to explain every detail to me. No matter how many times I asked questions, they were always calm and thorough in their explanations. Their professionalism and dedication made a significant difference in helping me make an informed decision.

Akash Kumar

West Bengal

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Inclusions and Exclusions

Digit Arogya Sanjeevani Inclusions and Exclusions

Cashless Healthcare Providers

Access to over 16,400 cashless network hospitals across India.

AYUSH Treatment

Covers Ayurveda, Yoga, Unani, Siddha, and Homeopathy (AYUSH) inpatient treatments up to the sum insured, provided the treatment is taken at an AYUSH-recognized hospital.

Daycare Treatment

Covers medical procedures requiring hospitalization for less than 24 hours, such as cataract surgery, chemotherapy, and dialysis, when conducted in a recognized hospital.

Co-payment

5% co-payment is applicable to all claims, meaning the policyholder must bear 5% of the admissible claim amount.

Room Rent

Normal: Covered up to 2% of the sum insured, with a maximum limit of ₹5,000 per day.
ICU: Covered up to 5% of the sum insured, with a maximum limit of ₹10,000 per day.

Advanced Treatments

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
Bronchical Thermoplasty
Vaporisation of the prostrate (Green laser treatment or holmium laser treatment)
IONM - (Intra Operative Neuro Monitoring)
Stem cell therapy: Hematopoietic stem cells for bone marrow transplant for haematological conditions to be covered up to 50% of sum insured.

Modern Treatment

Covered up to 50% of the sum insured, including robotic surgery and oral chemotherapy (BankBazaar). Confirm the limit on the policy schedule.

ICU Charges

Covered as part of in-patient hospitalisation, up to the sum insured. Confirm any room or ICU limit on the policy schedule, or with 1860-500-8888.

Cumulative Bonus

Kindly refer to the policy wording.

Consumable Cover

Kindly refer to the policy wording. Confirm with Niva Bupa on 1860-500-8888.

Initial Waiting Period

30 days from inception, except for accidents

Specific Waiting Period

Kindly refer to the policy wording.

PED Waiting Period

Up to 48 months under the IRDAI standard. Confirm on the policy schedule, or with 1860-500-8888.

Annual Health Checkup

Kindly refer to the policy wording. Confirm with Niva Bupa on 1860-500-8888.

Post-Hospitalisation

Up to 60 days after discharge under the IRDAI standard product. Confirm on the policy schedule, or with 1860-500-8888.

Outpatient Department Cover (OPD Expense)

Not covered (not listed in the standard product’s benefits)

Deductible Option

kindly refer to the policy wording.

Coverage Options

Individual or family floater, within the ₹1 lakh to ₹5 lakh sum insured range

Maternity Cover

Not covered. Maternity expenses are excluded.

Pre-Hospitalisation

Up to 30 days before admission under the IRDAI standard product. Confirm on the policy schedule, or with 1860-500-8888.

Claim Settlement Ratio

Claim Settlement Ratio (CSR) of 93.3% as a three-year IRDAI weighted average, and 95.6% in recent quarterly company disclosures (Q1 FY 2026-27).

Disease-wise sublimits

A cataract sublimit may apply. The standard product in other insurers’ versions caps cataract at 25% of the sum insured or ₹40,000, whichever is lower. Confirm Niva Bupa’s sublimits on the policy schedule, or with 1860-500-8888.

Restoration Benefit

Kindly refer to the policy wording.

Exclusions

Any hospitalization or pre-hospitalisation expenses not related to the medical claim made will not be covered.
Obesity or weight control related surgeries not related to any co-morbidities will not be covered.
Change of gender treatments are not covered under this policy.
Cosmetic and plastic surgeries unless for reconstruction following an accident, cancer, or to remove a direct and immediate health risk are not covered.
The Arogya Sanjeevani Policy does not cover domiciliary care or OPD expenses.

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About the company

About Digit

GoDigit General Insurance, also called Digit Insurance, is a digital-first insurance company in India. It started in 2016 with support from Fairfax Group. The company’s main aim is to make insurance simple and easy for everyone.You can buy policies online without paperwork. Claims are also managed online, which saves your time and effort. The company offers health, motor, travel, and property insurance. Its health plans cover hospital bills, maternity, critical illness, and more.
Digit has a large network of hospitals and garages for cashless services. You can also customise your plan to suit your needs. The use of technology makes the process smooth and transparent.
The company is trusted for quick claim settlement and customer-friendly service. With affordable premiums and easy processes, Digit has grown into one of the fastest-growing insurance companies in India.

FAQs

Frequently Asked Questions

Got questions about health insurance? You're not alone. Here are some of the most commonly asked questions to help you understand plans, coverage, claims, and benefits better.