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Arogya Sanjeevani Policy is a comprehensive health insurance policy that offers financial protection in case of any serious illness or accident that results in hospitalisation.
Key Feature
This policy covers the following benefits:
No medical check-up up to the age of 55 years for people with no medical history
AYUSH coverage
Family Floater: one plan, full family
Road Ambulance Cover
Cumulative Bonus: 5% of SI for each claim-free year, up to 50%
Coverage from Rs 100,000 to Rs 500,000.
Life-long renewability
Tax Deduction: Under Sec 80D
Coverage
Arogya Sanjeevani Health Insurance Policy covers the following subject to terms and conditions:
Your hospital room rent, boarding expenses and doctor fees
Nursing expenses, Operation theatre and ICU charges
Medicines that you consume during the hospital stay
Road Ambulance Charges
Pre and Post hospitalization expenses up to 30 and 60 days respectively
AYUSH Treatment
Exclusion
Pre-existing diseases from inception of the policy up to 4 years of this policy being in force continuously
Treatment taken outside India
Admission primarily for investigation & evaluation
Admission primarily for rest cure, rehabilitation and respite care
Expenses related to surgical treatment of obesity that do not fulfill certain conditions
Change-of-Gender treatments
Expenses for cosmetic surgery
Expenses related to treatments resulting from hazardous or adventure sports
Maternity Expenses
All day care treatments
All day care treatments
60 days - Up to Sum Insured
60 days - Up to Sum Insured
30 days - Up to Sum Insured
30 days - Up to Sum Insured
2,000/- per hospitalization
Road Ambulance - Rs.2,000/- per\\\\\\\\nhospitalization
No Health check up - up to 45 yrs
No Health check up - up to 45 yrs with no Pre-Existing Diseases
Medical treatment expenses traceable to childbirth
1.Medical treatment expenses traceable to childbirth (including complicated deliveries and\\ncaesarean sections incurred during hospitalization) except ectopic pregnancy\\n2.expenses towards miscarriage (unless due to an accident) and lawful medical termination\\nof pregnancy during the policy period
Any expenses incurred
Any expenses incurred on Domiciliary Hospitalization
