What Benefits Does The Arogya Sanjeevani Policy Offer?

By Author: varun
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The Arogya Sanjeevani Policy provides comprehensive coverage for hospitalisation expenses, including pre-and post-hospitalisation costs, and offers benefits for AYUSH treatments, modern treatments, and cataract surgery. It provides a fixed sum insured and allows for lifetime renewability. The policy also includes a cumulative bonus for each claim-free year, increasing the coverage. Here is a detailed look at its benefits:
In-patient hospitalisation
This hospitalisation plan covers room, ICU, nursing charges, doctor and surgeon fees, operation theatre charges, and other medical expenses. Room rent is covered up to 2% of the sum insured, with a daily upper limit of Rs. 5,000. ICU charges are covered for up to 5% of the sum insured, offering a maximum daily coverage of Rs. 10,000.
Pre- and post-hospitalisation
The pre-hospitalisation cover includes medical expenses incurred up to 30 days before the date of hospitalisation. The post-hospitalisation cover pays for medical expenses incurred up to 60 ...
... days after your discharge from the hospital.
AYUSH cover and daycare treatment
AYUSH cover handles medical expenses up to the limit of the Sum Insured for non-allopathic treatments, including Ayurveda, Yoga, Naturopathy, Unani, Siddha, and Homoeopathy. Daycare treatment covers medical expenses if you undergo treatment or surgery that requires less than 24 hours of hospitalisation. The Arogya Sanjeevani Health Insurance Plan covers healthcare expenses from Rs. 50,000 to Rs. 10 lakh.
Road Ambulance Cover
This type of cover reimburses expenses up to Rs. 2000 per hospitalisation event for ambulance services, including transportation to the hospital for treatment. The ambulance charges are generally covered only if a registered service provider or healthcare centre provides the ambulance service.
Cataract and modern treatments
Cataract treatment plans cover medical expenses up to 25% of the sum insured or Rs. 40,000 per eye, whichever is lower, if you undergo treatment or surgery for a cataract. Modern treatments cover medical expenses if you undergo any of the technologically advanced treatments or surgeries listed in the policy terms.
Cumulative bonus and co-payment
You receive a cumulative bonus of 5% for each policy year, provided the policy is renewed without interruption, subject to a maximum of 50% of the sum insured. A co-payment of 5% is applicable on all claims made using the Arogya Health Insurance. You can buy the policy if you are looking for a basic and affordable Health Insurance Plan.
If you want to avoid spending too much on premiums and protect yourself and your family, consider buying this Insurance Plan, the most affordable in India.
Conclusion
There is no optional cover available under the Arogya Sanjeevani Policy. You can port from other Health Insurance Policies to this one if you have been covered under an Indian retail Health Insurance Policy from a Non-Life Insurance or Health Insurance company registered with IRDAI, without taking a break in the immediate previous policy, and subject to satisfying all the terms related to portability.