What is Covered under Arogya Sanjeevani Health Insurance Policy?
Hospitalization Cover: The policy provides comprehensive hospitalization cover, for illness, injury, or any medical treatment. It covers expenses related to room rent, boarding, nursing expenses, up to 2% of SI, subject to maximum up to Rs 5,000 per day. It also covers ICU charges up to 5% of sum insured, subject to maximum up to Rs 10,000 per day.
Pre and Post Hospitalization Medical Expenses: The indemnity-based health policy will cover pre-and-post hospitalization medical expenses incurred by the policyholder for 30 days and 60 days, respectively.
Ambulance Expenses: The policyholder will receive coverage for ambulance costs up to Rs 2,000 per hospitalization.
Modern Medical Treatments: We will cover the medical expenses towards modern and new-age medical procedures, such as robotic surgeries, incurred either as part of in-patient care or day care treatment up to 50% of sum insured.
Coverage for Alternate Treatments (AYUSH): Individuals, including the elderly, who find Ayush medicine suitable can get coverage for in-patient care expenses related to any AYUSH (Ayurveda, Yoga and Naturopathy, Unani, Siddha, and Homeopathy) treatment availed at any AYUSH hospital.
Cataract Treatment Cover: The policy covers cataract treatment up to a maximum limit of Rs 40,000 or up to 25% of sum insured, whichever amount is lower.
Cumulative Bonus: You will get rewarded for not making a claim under your policy. The cumulative bonus under the Aarogya Sanjeevani plan will be increased by 5% for each claim-free year.
Modern technology treatment covered under Arogya Sanjeevani Policy
The Aarogya Sanjeevani health policy will provide coverage for various modern technology treatments, such as:
- Balloon Sinuplasty
- Uterine Artery Embolization and High Intensity Focused Ultrasound (HIFU)
- Deep Brain Stimulation
- Oral Chemotherapy
- Immunotherapy – Monoclonal Antibody to be given as injection
- Intra Vitreal Injections
- Robotic Surgeries
- Stereotactic radio surgeries
- Bronchical Thermoplasty
- Vaporisation of the prostrate (Green laser treatment or holmium laser treatment)
- IONM – Intra Operative Neuro Monitoring
- Stem Cell Therapy: Hematopoietic stem cells for bone marrow transplant for haematological conditions to be covered
What is Not covered under the Arogya Sanjeevani Health Insurance?
- Any diagnostic expenses that are not related to the current diagnosis/ treatment
- Expenses related to surgical treatment of obesity or weight control
- Medical expenses related to change of gender treatments
- Medical expenses incurred towards any cosmetic or plastic surgery
- Expenses related to any unproven treatment
- Expenses arising out of the treatment of alcoholism, drug or substance abuse
- Treatments relating to sterility and infertility
- Medical treatment expenses related to maternity and childbirth
- Medical expenses incurred towards domiciliary hospitalization or OPD treatment
- War, riot, strike, nuclear weapons induced hospitalization.
- Medical expenses for any treatment received outside Indid
Who should buy the Arogya Sanjeevani Policy?
Young and first-time buyers: The Aarogya Sanjeevani policy provides a maximum coverage amount of Rs 5 lakh, which is usually recommended for young individuals with a small family or all the new entrants in the health insurance investment journey. The policy has standard features and makes the buying process completely easy.
Individuals seeking affordable health insurance: Securing you and your loved ones with the best health insurance comes at a cost! However, if you want to prevent the burden of high health insurance premium costs, you can choose the Aarogya Sanjeevani plan - preferred for its affordable and comprehensive coverage.
Every family who needs protection against COVID-19: The threat against the coronavirus disease is not over yet, and hence everyone deserves the protection that health insurance plans provide. The standard health policy is beneficial for every family, as it also covers COVID-19 and various other illnesses. Besides, it has a lifelong renewability option that will give continued coverage for years to come!
