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New India Assurance · NIAHLIP25044V022425

New India Assurance Arogya Sanjeevani Policy

New India Assurance Arogya Sanjeevani Policy (IRDAI UIN NIAHLIP25044V022425) is an individual and family floater health insurance plan with sum insured from 0.5 lakh to 10 lakh (20 options). Pre-existing diseases are covered after 3 years.

Premiums depend on age, cover, city, health and the options you choose. Where the insurer published a premium, the figure shown is for the exact profile stated next to it; your premium will differ. Comparezi does not sell insurance or give advice: check the insurer's prospectus and policy wording, which prevail.

In short

New India Assurance Arogya Sanjeevani Policy is a health insurance plan from New India Assurance. Key specifications: plan type Individual and family floater, room rent 2% of sum insured subject to maximum of Rs.5000/- per day, pre-existing disease waiting 36 months.

Sample premium ₹8,836 a year*

*For: Age band <=35, Sum Insured Rs 10,00,000, annual premium, no zones, excluding GST. Your premium will differ.

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Plan type
Individual and family floater
Room rent
2% of sum insured subject to maximum of Rs.5000/- per day
Pre-existing disease waiting
36 months
Sample annual premium
₹8,836

Cons

  • Shorter pre-hospitalisation cover than 85% of the 49 health insurance plans on Comparezi that state it (30 days)
  • Shorter post-hospitalisation cover than 85% of the 49 health insurance plans on Comparezi that state it (60 days)
  • Lower maximum sum insured than 90% of the 52 health insurance plans on Comparezi that state it (₹10 lakh)
  • Co-payment: 5% on all claims

Who should avoid it

  • Not ideal for High sum insured available · What matters most? (pick any) #48 of 53
  • Not ideal for Longer pre- and post-hospital cover · What matters most? (pick any) #43 of 53

Full specifications

Cover

Plan type Individual and family floater
Sum insured options 0.5 lakh, 1 lakh, 1.5 lakh, 2 lakh, 2.5 lakh, 3 lakh, 3.5 lakh, 4 lakh, 4.5 lakh, 5 lakh, 5.5 lakh, 6 lakh, 6.5 lakh, 7 lakh, 7.5 lakh, 8 lakh, 8.5 lakh, 9 lakh, 9.5 lakh, 10 lakh
Highest sum insured 10 lakh
Entry age 3 months to 65 years
Room rent 2% of sum insured subject to maximum of Rs.5000/- per day
Co-payment 5% on all claims

Waiting periods

Initial waiting period 30 days
Pre-existing disease waiting 36 months

Benefits

Pre-hospitalisation 30 days
Post-hospitalisation 60 days
Day-care treatment Yes
AYUSH treatment Yes
No-claim bonus Cumulative Bonus 5% per claim free policy year, maximum 50% of sum insured; reduced at same rate on claim
Maternity Not covered

Premium

Sample annual premium ₹8,836
Sample premium is for Age band <=35, Sum Insured Rs 10,00,000, annual premium, no zones, excluding GST

Insurer

Health incurred claim ratio (insurer) 100.98%
Claims figures for FY 2024-25: health incurred claim ratio including personal accident, IRDAI Annual Report (Statement 10)
IRDAI UIN NIAHLIP25044V022425

About the Arogya Sanjeevani Policy

New India Assurance Arogya Sanjeevani Policy (IRDAI UIN NIAHLIP25044V022425) is an individual and family floater health insurance plan with sum insured from 0.5 lakh to 10 lakh (20 options). Pre-existing diseases are covered after 3 years. It is one of 53 health insurance plans on Comparezi, from New India Assurance.

Information only. Comparezi does not sell insurance, does not give advice and is not paid by insurers. The policy wording issued by the insurer prevails over this summary.

Cover and limits

  • Plan type: Individual and family floater
  • Sum insured options: 0.5 lakh, 1 lakh, 1.5 lakh, 2 lakh, 2.5 lakh, 3 lakh, 3.5 lakh, 4 lakh, 4.5 lakh, 5 lakh, 5.5 lakh, 6 lakh, 6.5 lakh, 7 lakh, 7.5 lakh, 8 lakh, 8.5 lakh, 9 lakh, 9.5 lakh, 10 lakh
  • Entry age: 3 months to 65 years
  • Room rent: 2% of sum insured subject to maximum of Rs.5000/- per day
  • Co-payment: 5% on all claims

Waiting periods

  • Initial waiting period: 30 days
  • Pre-existing diseases: 3 years

Benefits

  • Pre-hospitalisation: 30 days
  • Post-hospitalisation: 60 days
  • Day-care treatment: Covered
  • AYUSH treatment: Covered
  • No-claim bonus: Cumulative Bonus 5% per claim free policy year, maximum 50% of sum insured; reduced at same rate on claim
  • Maternity: Not covered

How it compares on Comparezi

Of the 50 health insurance plans on Comparezi with a stated pre-existing disease waiting period, 9 have a shorter one and 40 have the same. Of the 49 health insurance plans on Comparezi with a stated post-hospitalisation period, 42 have a longer one and 6 have the same.

Premium

It depends on your age, cover, city and options. New India Assurance's own published premium table gives ₹8,836 a year for this profile: Age band <=35, Sum Insured Rs 10,00,000, annual premium, no zones, excluding GST. Your premium will differ; get a quote from the insurer.

About the insurer

New India Assurance's health incurred claim ratio was 100.98% in FY 2024-25 (IRDAI Annual Report; includes personal accident). An incurred claim ratio compares claims with premiums earned; it is not the share of claims paid.

Similar plans from other insurers

Other health insurance plans from New India Assurance

Sources

Checked 6 November 2026. Values the documents do not state are left out rather than estimated. See how Comparezi checks data.

Alternatives

Alternatives to the Arogya Sanjeevani Policy

All health insurance →
  • Individual and family floater Plan type
  • 1% of SI per day (max Rs 7,500 for SI Rs 5-10 lakh; max Rs 10,000 for SI Rs 15 lakh and above) Room rent
  • 36 months Pre-existing disease waiting
Sample premium ₹7,722 a year*

Generali Central

Health Absolute - Classic

  • Individual and family floater Plan type
  • No sub-limit stated (Reasonable and Customary room rent, up to Sum Insured) Room rent
  • 24 months Pre-existing disease waiting
Sample premium ₹13,986 a year*

Similar cover

Similar health insurance plans

New India Assurance

Floater Mediclaim Policy

  • Family floater Plan type
  • 1% of Sum Insured per day, maximum Rs. 15,000 per day (Basic Plan up to Rs 15L) Room rent
  • 36 months Pre-existing disease waiting
Premium depends on your profile

New India Assurance

Mediclaim Policy

  • Individual Plan type
  • 1% of Sum Insured per day, maximum Rs. 15,000 per day (Basic Plan up to Rs 15L) Room rent
  • 36 months Pre-existing disease waiting
Sample premium ₹11,479 a year*

Head to head

Compare the Arogya Sanjeevani Policy

Questions

Arogya Sanjeevani Policy FAQs

It depends on your age, cover, city and options. New India Assurance's own published premium table gives ₹8,836 a year for this profile: Age band <=35, Sum Insured Rs 10,00,000, annual premium, no zones, excluding GST. Your premium will differ; get a quote from the insurer.

NIAHLIP25044V022425. The UIN identifies the exact product version filed with IRDAI; check it on your policy documents.

3 years, as stated by the insurer.

Room rent as stated by the insurer: 2% of sum insured subject to maximum of Rs.5000/- per day.

Co-payment as stated by the insurer: 5% on all claims.

Maternity as stated by the insurer: Not covered.

30 days before and 60 days after hospitalisation.

0.5 lakh, 1 lakh, 1.5 lakh, 2 lakh, 2.5 lakh, 3 lakh, 3.5 lakh, 4 lakh, 4.5 lakh, 5 lakh, 5.5 lakh, 6 lakh, 6.5 lakh, 7 lakh, 7.5 lakh, 8 lakh, 8.5 lakh, 9 lakh, 9.5 lakh, 10 lakh.

Data sources

  • Manufacturer official pages

Last updated

Product details

Disclosure

Links to insurers are not paid. Comparezi earns only from labelled ads, which never affect the Comparezi Score, the order of insurers, or the price shown, which is what the insurer listed when we checked.

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