Acko Arogya Sanjeevani Health Insurance: Affordable, Standardized Coverage for Every Indian Family
When you’re searching for a simple, affordable, and IRDAI-standardized health insurance plan, Acko’s Arogya Sanjeevani Health Insurance is one of the best options available. Designed to provide basic yet essential coverage at a budget-friendly premium, this plan is ideal for first-time buyers, salaried professionals, and middle-income families who want to be financially prepared for medical emergencies.
Backed by Acko Health Insurance’s digital-first experience, you get a government-approved plan with seamless claims, transparent terms, and no hidden conditions.
What is Arogya Sanjeevani Health Insurance?
Arogya Sanjeevani is a standard health insurance policy regulated by the IRDAI (Insurance Regulatory and Development Authority of India). Every health insurer, including Acko, offers this plan with uniform benefits, coverage options, and terms—ensuring transparency and comparability across insurers.
By choosing Acko’s version of the Arogya Sanjeevani Policy, you combine this government-mandated framework with the ease, speed, and affordability of Acko’s digital model.
Key Features of Acko Arogya Sanjeevani Health Insurance
| Feature | Details |
|---|---|
| Eligibility | Adults: 18–65 years Children: 3 months–25 years (if dependent) |
| Sum Insured Options | ₹1 lakh to ₹5 lakh (in multiples of ₹50,000) |
| Policy Tenure | 1 year, renewable annually |
| Hospitalization Cover | Minimum 24-hour admission required |
| Pre & Post Hospitalization | 30 days before and 60 days after covered |
| Daycare Procedures | Covered (as per Acko’s daycare list) |
| Room Rent Limit | Up to 2% of sum insured per day (max ₹5,000/day) |
| ICU Charges Limit | Up to 5% of sum insured per day (max ₹10,000/day) |
| Co-Payment | 5% of the claim amount (mandatory as per IRDAI) |
| Cataract Treatment Limit | Up to 25% of SI or ₹40,000 (whichever is lower), per eye |
| Modern Treatments | Covered (e.g., robotic surgery, stem cell therapy) |
| Digital Claims Process | 100% online via Acko’s app or website |
| Cashless Network Hospitals | 7,000+ across India |
Why Choose Acko Arogya Sanjeevani Health Insurance?
✅ Government-Backed, Private-Delivered
Get the transparency of a government-approved plan combined with the user-first experience Acko is known for.
✅ Affordable Premiums
With options starting from just a few hundred rupees per month, it’s one of the most cost-effective ways to secure your health.
✅ Perfect for First-Time Buyers
No complicated clauses, confusing jargon, or hard-to-read fine print. The Arogya Sanjeevani plan keeps it simple and straightforward.
✅ Covers Most Common Medical Events
From surgeries and hospitalization to cancer treatment and coronavirus-related claims, this plan provides wide-ranging protection.
✅ Cashless Claims
No need to scramble for cash in emergencies. Use Acko’s e-health card at any of the partner hospitals for immediate admission and treatment.
What’s Covered in Acko Arogya Sanjeevani Plan?
In-patient hospitalization (minimum 24 hours)
Surgeries and treatments for common illnesses and injuries
ICU charges and nursing expenses
Doctor fees, diagnostic tests, and medicine costs
Cataract surgery (up to the prescribed limit)
Treatments for COVID-19 and other infectious diseases
Chemotherapy, radiotherapy, and dialysis
AYUSH treatments (Ayurveda, Yoga, Unani, Siddha, Homeopathy)
Exclusions to Be Aware Of
While the coverage is robust, a few treatments and conditions are not covered:
Cosmetic or aesthetic procedures
Dental treatment or surgery unless hospitalization is required
OPD expenses (doctor consultation without hospitalization)
Infertility treatment or IVF
Experimental or unproven treatments
Expenses for spectacles, lenses, hearing aids
Self-inflicted injuries or substance abuse
Note: There is a 30-day initial waiting period (except for accidents) and a 24-month waiting period for pre-existing diseases.
Premium Estimate for Acko Arogya Sanjeevani Health Insurance
| Age Group | Sum Insured | Yearly Premium (approx.) |
|---|---|---|
| 25 years | ₹2 lakh | ₹1,800 – ₹2,400 |
| 35 years | ₹3 lakh | ₹2,500 – ₹3,000 |
| 45 years | ₹4 lakh | ₹3,500 – ₹4,200 |
| 55 years | ₹5 lakh | ₹4,800 – ₹5,500 |
Premiums may vary slightly based on city, health history, and insurer terms.
Who Should Opt for Acko Arogya Sanjeevani Health Insurance?
First-time insurance buyers
Young professionals looking for budget-friendly coverage
Freelancers or gig workers without corporate group health plans
Parents buying health insurance for their children
Retired individuals not ready for high-premium policies
Families seeking standard health protection for all members
How to Buy Arogya Sanjeevani Policy from Acko in 5 Simple Steps
Visit acko.com or download the Acko app
Choose “Arogya Sanjeevani Health Insurance“
Enter details like age, sum insured, and nominee
Pay the premium online securely
Get your e-policy instantly in your email
You’ll also receive a digital health card to use for cashless claims.
What Makes Acko Different?
| Feature | Acko | Traditional Insurers |
|---|---|---|
| Purchase Process | 100% digital | Agent-based / paperwork |
| Claims Process | App-based, fast | Lengthy and manual |
| Premium Pricing | Transparent, low | Hidden fees, higher |
| Customer Support | Chat + Call + Email | Mostly call-based |
| Documentation | Minimal | Physical document required |
Final Verdict: Is Acko Arogya Sanjeevani Plan the Right Choice?
If you’re looking for a cost-effective, no-fuss health insurance policy backed by government regulations and delivered with Acko’s digital simplicity, then the Acko Arogya Sanjeevani Health Insurance Plan is a no-brainer.
It’s perfect for anyone who needs essential health coverage without burning a hole in their pocket—whether you’re insuring yourself, your spouse, children, or aging parents.
Act today and secure your health with Acko’s IRDAI-standardized Arogya Sanjeevani Policy. Quick, easy, and completely digital.