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A simple and affordable health plan designed to meet your insurance needs
A simple and affordable health plan designed to meet your insurance needs
In the unprecedented times that we live in, covering oneself with a health insurance cover has become a necessity. Here's an easy to buy plan with that covers all your inpatient hospitalization needs with a wide range of sum-insured option ranging between 1 lac to 5 lacs, in multiplies of 50,000.
What does the policy cover?
Section 1: Basic Benefits
Inpatient Care: Covers medical expenses like room rent, ICU charges, medical practitioners fee, OT charges, nursing charges etc. incurred during hospitalization due to an illness or accident for period more than 24 hrs.
Room Rent, Boarding, Nursing Expenses as provided by the Hospital /Nursing Home, up to 2% of the sum insured subject to maximum of Rs.5000/- per day.
Intensive Care Unit (ICU) /Intensive Cardiac Care Unit (ICCU) expenses up to 5% of sum insured subject to maximum of Rs. 10,000/- per day.
Cost is included up to sum-insured for Anesthesia, blood, oxygen, operation theatre charges, surgical appliances, medicines and drugs, diagnostics, diagnostic imaging modalities and such similar other expenses.
Doctor/Surgeons fees is covered
Special Treatments: Special treatments as listed below are covered with up to 50% of the sum-insured:
Uterine Artery Embolization and HIFU (High intensity focused ultrasound)
Balloon Sinuplasty
Deep Brain stimulation
Oral chemotherapy
Immunotherapy- Monoclonal Antibody to be given as injection
Intra virtual injections
Robotic surgeries
Stereotactic radio surgeries
Bronchial Thermoplastic
Vaporization 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 hematological conditions to be covered
Day Care Procedures: Medical expenses incurred for day care procedures taken at a hospital or day care center. 24 hours mandatory hospitalization is not necessary in the day care procedure.
Cataract Treatment: Cataract treatment is covered op to 25% of Sum insured or Rs.40,000/-, whichever is lower, per eye, under one policy year.
Ayush Benefit: The medical expenses for in-patient treatment taken under Ayurveda, Unani, siddha and homeopathy are covered without sublimit.
Pre- Hospitalization: Covers medical expenses incurred 30 days prior to the date of hospitalization.
Post- Hospitalization: Covers medical expenses incurred up to 60 days from the date of discharge.
Emergency Road Ambulance: Actual expenses incurred for utilizing road ambulance service for transporting the insured to the nearest hospital with adequate emergency facilities is covered up to 2000 per hospitalization.
Dental Treatment and Plastic Surgery: Dental treatment & Plastic surgery necessitated due to any disease or accidental injury is covered
Section 2: Co-payment and Cumulative Bonus
Cumulative Bonus: Increase in the sum insured by 5% in respect of each claim free year subject to a maximum of 50% of SI. In the event of claim the cumulative bonus shall be reduced at the same rate.
Co-payment: 5% for all claims
24 Months waiting period is applicable for Cataract Treatment
What does the Arogya Sanjeevani Policy Not Cover?
All permanent exclusions shall apply individually for each Insured Person under the Arogya Sanjeevani health policy and claims shall be assessed accordingly.
We will not make any payment for any claim in respect of any Insured Person directly or indirectly for, caused by, arising from or in any way attributable to any of the following unless expressly stated to the contrary in this Arogya Sanjeevani Policy:
Covered
Room Rent, Boarding, Nursing Expenses as provided by the Hospital /Nursing Home, up to 2% of the sum insured subject to maximum of Rs.5000/- per day.
Covered
Increase in the sum insured by 5% in respect of each claim free year subject to a maximum of 50% of SI. In the event of claim the cumulative bonus shall be reduced at the same rate.
Covered
Pre-existing Diseases(PED) and it's direct complications shall not be covered until the completion of 48 months of continuous coverage have elapsed, since inception of the policy provided that the PED is declared and/or accepted in the proposal​​.​​
Covered
Cataract treatment is covered op to 25% of Sum insured or Rs.40,000/-, whichever is lower, per eye, under one policy year. Dental treatment & Plastic surgery necessitated due to any disease or accidental injury is covered
Covered
Actual expenses incurred for utilizing road ambulance service for transporting the insured to the nearest hospital with adequate emergency facilities is covered up to ₹2000 per hospitalization.
Covered
Medical expenses incurred for day care procedures taken at a hospital or day care centre. 24 hours mandatory hospitalization is not necessary in the day care procedure.
Covered
The medical expenses for in-patient treatment taken under Ayurveda, Unani, siddha and homeopathy are covered without sublimit.
Covered
Covers medical expenses incurred 30 days prior to the date of hospitalization.
Covered
Covers medical expenses incurred up to 60 days from the date of discharge.
Covered
Co-payment: 5% for all claims
