HDFC ERGO Arogya Sanjeevani Review 2026

Name: Arogya Sanjeevani by HDFC ERGO General Insurance Company Limited
Brand: HDFC ERGO General Insurance Company Limited

HDFC ERGO Arogya Sanjeevani

The IRDAI standard health product. Every insurer must offer it on identical terms, so only price and claim service differ.

Read from HDFC ERGO General Insurance Company Limited's own policy wording and prospectus. Last checked against those documents on 26 July 2026. The wording you are issued is the contract.

01The detail

Arogya Sanjeevani in one table

Claim settlement ratio

97.8%FY 2024–25

95% recommended

Complaints per 10,000

8.3policies

Under 10 recommended

Insurer	HDFC ERGO General Insurance Company Limited

Claim settlement and complaint figures are IRDAI-published and held centrally by NYVO, not taken from the insurer's marketing.

02Cover

What Arogya Sanjeevani covers

These are the terms that decide what you are actually paid when you claim. Room rent, co-pay and restoration do more to shape a settlement than the sum insured does, and they are read from HDFC ERGO's own policy wording.

Feature	This plan	What good looks like
What kind of plan this is	The IRDAI standard product. Every insurer must offer it on identical terms, so the only thing that differs is price and service.	Read this first – it decides everything else

What this plan does

03Waiting periods

Arogya Sanjeevani waiting periods: when each part of the cover starts

Waiting periods run from the day cover began, not from the day you fall ill, and they run in parallel rather than one after another.

Initial waiting period	30 days from the start of the first policy, except for an accident
Pre-existing disease	36 months of continuous cover

04Exclusions

Arogya Sanjeevani exclusions: what the plan will not pay for

Every policy carries exclusions, and they are the clauses people read for the first time at claim stage. These are the ones worth knowing before you buy.

Not coveredIndicative, not exhaustive. Your policy wording is the contract.

01Anything in the first 30 days of the first policy, other than an accident.

02Pre-existing diseases and their direct complications, until 36 months of continuous cover.

05The honest bit

Where Arogya Sanjeevani falls short

No plan is right for everyone, and a page that only lists strengths is not much use to you. These are the gaps we would raise on a call before recommending it.

Worth knowing before you buyNone of these are dealbreakers on their own. They are the trade-offs this plan asks you to accept.

01Because the terms are set by IRDAI and identical across insurers, the only real comparison is price and claim service. Sum insured is capped, so it suits a first policy rather than a family's main cover.

02Waiting periods restart on any increase in sum insured, to the extent of the increase.

03HDFC ERGO's claim record is strong, but a policy is only as good as the wording behind it – read the schedule you are actually issued, not the brochure.

06FAQs

Arogya Sanjeevani questions, answered

Is this a substitute for a health insurance policy?

No. Because the terms are set by IRDAI and identical across insurers, the only real comparison is price and claim service. Sum insured is capped, so it suits a first policy rather than a family's main cover.

What are the waiting periods?

Thirty days from the start of the first policy for anything other than an accident, 36 months for pre-existing conditions. The policy wording is the contract.

07Source documents