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Reviewed by Finzony Finance TeamLast updated:
Tata AIG Arogya Sanjeevani is a standardised health insurance product designed to provide essential health insurance protection with defined benefits.
A standardised health insurance plan with essential hospitalisation, AYUSH and day-care coverage.
A straightforward health insurance option with standardised coverage, lifelong renewability and essential hospitalisation benefits.

Tata AIG Health Insurance
Key Insights
Founded
2001
Tata AIG Health Insurance was established 25 years ago and has built strong credibility over time, backed by its long-standing presence in the market.
Claims Experience
94.3% CSR, calculated as a 3-year average
Tata AIG Health Insurance settles 94.3% of all claims it receives.
Network Hospitals
10,000+
Tata AIG Health Insurance has a network of 10,000+ hospitals, ensuring wide accessibility and convenience for policyholders.
Eligible inpatient hospitalisation expenses are covered according to policy terms.
Eligible medical expenses before hospitalisation are covered subject to policy conditions.
Eligible medical expenses after hospitalisation are covered according to policy terms.
Eligible day care procedures are covered subject to applicable conditions.
Eligible AYUSH treatment is covered according to the policy terms.
Applicable waiting periods apply to initial illness, pre-existing diseases and specified conditions.
Initial waiting period
Applies to illness-related claims except eligible accidental hospitalisation.
Initial Waiting Period
The policy has an initial waiting period subject to the applicable standard policy conditions.
Specified diseases and procedures
Specified diseases and procedures are subject to applicable waiting periods.
Specified Disease / Procedure Waiting Period
Specified diseases and procedures are subject to the applicable waiting period under the policy wording.
Conditions or treatments that the policy clearly says it will not cover.
The policy provides essential hospitalisation and related healthcare coverage subject to the standard policy terms.
Insurer
Tata AIG Health Insurance plans and claim process
Arogya Sanjeevani is a standardised health insurance product designed to provide essential health protection.
Yes, the policy provides lifelong renewability subject to applicable policy terms.
Eligible pre-hospitalisation expenses are covered according to the policy terms.
Disclaimer: Premium amounts are indicative and may vary based on age, health, and plan selected. Claim settlement ratios are from IRDAI Annual Reports. Finzony is not an insurance broker or agent. Verify all details on the official Tata AIG Health Insurance website before purchasing.
Contact Details
1800 266 7780
Headquarters: Peninsula Business Park, Tower A, 15th Floor, G.K. Marg, Lower Parel, Mumbai – 400013, Maharashtra, India
The aforementioned ratios have been averaged over three years (FY24-FY26)
Pre-existing diseases
Pre-existing diseases are subject to the applicable continuous coverage waiting period.
Pre-Existing Disease Waiting Period
Pre-existing diseases are subject to a 48-month waiting period under the Arogya Sanjeevani policy terms.
Eligible AYUSH treatment is covered subject to policy terms and conditions.
Yes. Pre-existing diseases are subject to the applicable waiting period.