Jignesh, Arogya Sanjeevani is like a regular policy with standard policy wording what it means is that all the insurers have to have offered it with the same policy wording prescribed by IRDAI (except Oriental and Bajaj Allianz - do not know how they are offering sum insured greater than 10 lac ) and also with the same sub-limits but they underwrite on their own risk means they have to pay from there money pool so I do not think a person with critically ill or had a critical illness can be covered under this policy.

Arogya Sanjeevani is NOT the last resort policy that it will offer to anyone, Insurer will assess the risk before covering it

you can look for disease-specific policies like

Star cancer care

Star health cardiac care

Aditya Birla Activ Secure- Cancer Secure

But generally, if you ask for comprehensive insurance I do not think any insurer will offer the policy

Hello Jignesh,

Aarogya Sanjeevani is like any other health insurance, just with standardized terms and conditions.

A lot would depend on the actual case - for instance, when did this serious illness occur. is it cured right now or not?

We have seen mainstream plans approving customers with such serious illnesses, and otherwise.

Team Beshak