Treatments Covered under Arogya Sanjeevani Policy
Despite our efforts to lead a healthy life, there could be certain factors such as poor lifestyle and hereditary reasons that make us prone to ailments. Medical expenses then become unavoidable. As getting quality treatment at a hospital has become expensive, it is better to safeguard one’s finances by opting for a health cover. Nowadays, there are a myriad of health policies available. To start with, you can choose a basic health policy that will offer comprehensive cover for various medical expenses.
Consider Arogya Sanjeevani Health Insurance Policy which is a standard health insurance policy introduced by the Insurance Regulatory and Development Authority of India (IRDAI) in April 2020. This plan offers coverage for in-patient hospitalisation, pre and post hospitalisation medical expenses, ambulance cover, ayush treatment as well as cover for various day care procedures.
This article explains the various treatments covered under Arogya Sanjeevani Policy.
In-patient Hospitalisation Cover
A patient incurring expenses during hospitalisation such as room rent, ICU charges, medication, etc. are covered by the Arogya Sanjeevani Policy.
Also, there are certain medical or surgical procedures, carried out under general or local anaesthesia, that require hospitalisation of less than 24 hours. Such procedures are referred as Day Care Treatment or Day Care Procedures. The health insurance policy helps policyholders to avail cover for such procedures, subject to policy terms and conditions.
AYUSH Treatment refers to the alternative system of medicines such as Ayurveda, Yoga & Naturopathy, Unani, Siddha and Homoeopathy. Alternative treatment has become popular owing to its great healing effects. The expenses incurred due to in-patient care treatment under AYUSH treatment at any AYUSH hospital will be covered by the insurer, subject to policy terms and conditions.
Cataract is a common eye disorder mostly seen in elderly people. With modern surgical procedures, cataract surgery is carried out effectively. However, the cost of surgery could be on the higher side if you are availing treatment at private hospital. Arogya Sanjeevani Health Insurance Policy offers cover for cataract treatment with a cap of 25% of sum insured or Rs 40,000, whichever is lower, per each eye in a policy year.
Advanced Medical Treatment
With advancements in healthcare, there are modern treatments that aid in curing serious health conditions. There are some medical procedures, availed either as in-patient or day care treatment, which are covered up to 50% of sum insured in the policy period. They include Robotic surgeries, Bronchial Thermoplasty, Stereotactic Radio Surgeries and Oral Chemotherapy, to name a few.
Treatment of Pre-existing Diseases
Policyholders are required to disclose their medical conditions at the time of buying a policy. Coverage for pre-existing diseases will be provided subject to waiting period of 48 months of continued coverage from the policy inception date.
Treatment of Specified Diseases
There are certain medical conditions, as listed under the health insurance policy, which are covered after completion of the waiting period. However, the waiting period is not applicable if the policyholder is availing treatment resulting from accident.
There is a waiting period of 48 months for age-related Osteoarthritis and Osteoporosis as well as treatment of joint replacement (unless arising from accident). There is a waiting period of 24 months for availing coverage for certain medical conditions like Benign ENT disorders, Tonsillectomy, Hernia of all types, Cataract and age-related eye ailments, Piles, etc.
With coverage for the above-mentioned treatments, policyholders can look forward to minimising the burden of expensive healthcare. At the same time, they must go through the policy documents carefully to understand the inclusion as well as exclusions, so that there are no hassles at the time of filing claim.
Arogya Sanjeevani Policy, Care Health Insurance (Formerly Religare Health Insurance) saves you from financial difficulties during medical emergencies. You can also avail cashless treatment at any of the 7400+ network hospitals.