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Arogya Sanjeevani is a standard health insurance cover introduced by the IRDAI during the outbreak of COVID-19. With common features throughout the insurers, this indemnity-based policy was implemented with the goal of simplifying health insurance by providing common benefits and features to all health insurance and general insurance companies in India. The IRDAI's Arogya Sanjeevani Health Insurance Policy provides individuals and families health insurance coverage of up to Rs 5 lakh.
You can choose the individual or family floater option of the Arogya Sanjeevani Health Insurance policy at Care Health Insurance to keep your finances protected during medical emergencies. Arogya Sanjeevani policy coverage includes, in addition to hospitalisation, pre and post-hospitalisation medical expenses, ICU charges, room rent, and modern treatments. It will also cover the cost of hospitalisation for COVID-19 treatment. The policy, which is reasonably priced, will provide you and your family with adequate financial protection in the event of a medical emergency.
KEY FEATURES | 5L |
---|---|
Hospitalization Expenses | Up to SI |
AYUSH Treatment | Up to SI |
Cataract Treatment | Up to 25% of SI or Rs.40,000/- per eye, whichever is lower |
Pre-Hospitalization
The procedures that you undergo before getting
hospitalized finally lead you to a hospital, such as investigative tests and
routine medication, can be quite financially draining. We cover the medical
expenses incurred by you up to 30 days before your hospitalization.
|
30 days |
Post-Hospitalization
We cover the relevant medical expenses such as
doctor consultations, Diagnostic tests, medications etc. incurred up to 60
days post your hospitalization.
|
60 days |
Cumulative Bonus (CB)
Max up to 50% of SI(If in case a claim has
been paid; decrease in the accrued CB at same rate at which it has been
accrued)
|
5% increase in SI per Policy Year in case of claim-free year* |
Co-payment | Mandatory Co-Pay of 5% on every claim |
Ambulance Cover
In an emergency, we reimburse expenses
incurred by you for availing a domestic
road ambulance during your hospitalization.
|
Rs.2,000/ Hospitalization |
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21100+HEALTH CARE PROVIDERS SERVE CASHLESS MEDICAL SERVICES ACROSS THE GLOBE
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Most Frequently Asked Questions
Yes, the minimum entry age is 5 years for individuals, and the maximum entry age is 65 years. The minimum entry age for dependent children is 3 months in a floater policy, and the maximum entry age is 24 years.
According to section 80D of the Income Tax Act 1961, the premium paid for Arogya Sanjeevani Individual Health Insurance is entitled to tax exemption.
The policy will cover the hospitalisation expenses related to coronavirus treatment.
It includes a waiting period of 48 months for pre-existing ailments and a waiting period of 24-48 months for specific diseases (as may be the case). The policyholder will be eligible to get cover for such conditions and diseases only after the waiting period is over.
No. You do not have the option to increase the sum insured. The policy provides maximum coverage up to Rs 5 lakh.
Disclaimer: Information above is just for reference. Kindly read T & C of the policy thoroughly, Do refer IRDAI guidelines for tax exemption conditions.
*IBAI Claims Handbook for FY 19-20
^IBAI Claims Handbook for FY 19-20. Claim Settlement Ratio is for FY 19-20 and number of claims settled till February 2022.
^^Number of Cashless Healthcare Providers till 31st Dec 2022
**Price mentioned is for an adult aged between 18-24 with a sum insured of 5 lac for a year.
Download the Brochure for Arogya Sanjeevani Complete Plan Details
Download Arogya Sanjeevani complete plan details
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Get Complete Policy Details in the Brochure With Our Expert Assistance!
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