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The policy can be taken either on Individual or Floater Sum Insured basis.
Highlights of Arogya Sanjeevani
Sum insured is from Rs 1 lac to Rs. 5 lacs in multiples of Rs.50000.
The policy can be taken either on Individual or Floater Sum Insured basis.
No Pre-Acceptance Medical Checkup.
Room rent is up to 2% of the sum insured subject to a maximum of Rs.5000. ICU/ICCU will be up to 5% of the sum insured subject to a maximum of Rs.10000.
Dependent spouse, children, parents and parents in law can be covered under the policy.
Cataract surgeries will be paid up to 25% of sum insured subject to a maximum or Rs.40000.
Ayush treatments will be paid up to the sum insured.
Treatments towards HIV, Mental Illness and Genetic disorders are also payable under the policy.
Cumulative bonus is available @5% per every claim free year up to a maximum of 50%.
Following advance treatments are covered up to 50% of the sum insured.
a. Uterine Artery Embolization and HIFU (High intensity focused ultrasound)
b. Balloon Sinuplasty.
c. Deep Brain stimulation.
d. Oral chemotherapy.
e. Immunotherapy- Monoclonal Antibody to be given as injection.
f. Intra vitreal injections.
g. Robotic surgeries.
h. Stereotactic radio surgeries.
i. Bronchial Thermoplasty.
j. Vaporization of the prostrate (Green laser treatment or holmium laser treatment).
k. ONM - (Intra Operative Neuro Monitoring).
l. Stem cell therapy: Hematopoietic stem cells for bone marrow transplant for haematological conditions to be covered.
Dental treatment due to disease or injury is also covered.
Pre hospitalization expenses up to 30 days
Post hospitalization up to 60 days
A loading @ 5% per pre-existing life style diseases like hypertension, diabetes and BMI 32.
Co-pay of 5% on each and every claim.
There is waiting period of 30 days under the policy.
In addition there is 24 & 48 months waiting period for specific illnesses.
48 months waiting period is applicable for all PED.
Moratorium period of 8 years is applicable after which no claim can be turned down for non-disclosure and or misrepresentation.
No multiple policies from our own Company is allowed.
60 days
Post hospitalization upto 60 days
30 days
Pre hospitalization expenses upto 30 days
Covered upto the sum insured
Ayush treatments will be paid upto the sum insured
Covered upto 25% of sum insured
Cataract surgeries will be paid upto 25% of sum insured subject to a maximum or Rs.40000 \\nDental treatment due to disease or injury is also covered
48 months
48 months waiting period is applicable for all PED
Covered upto 2% of the sum insured subject to a maximum of Rs.5000
Room rent is upto 2% of the sum insured subject to a maximum of Rs.5000. ICU/ICCU will be upto 5% of the sum insured subject to a maximum of Rs.10000
Covered @5% per every claim free year
Cumulative bonus is available @5% per every claim free year upto a maximum of 50%
Covered upto 5% on each and every claim
Co-pay of 5% on each and every claim
Not Covered
Maternity expenses are not covered under the policy
