Arogya Sanjeevani Policy

Policy Details:
Arogya Sanjeevani Policy - National is a standard indemnity health insurance product, having Sum Insured up to 10 Lakhs available in both individuals as well as floater type.

Highlights
Sum Insured range 50,000 to 10L, in multiple of 50,000
Entry Age 18 to 65 years
Who can be covered Self, Spouse, Dependent legitimate or legally adopted children, Parents, Parent-in-laws, new born from 3 months age.
Lines of treatment covered Allopathy & AYUSH (Ayurveda, Yoga and Naturopathy, Unani, Sidha and Homeopathy)
Treatment Room Rent/ICU charges, Medical practitioners, surgeon, anesthetist, consultants, specialists fees and other charges as per limits mentioned in the policy.
50% of the Sum Insured for getting medical treatment or hospitalization for 12 listed procedures (Modern treatments)
Ambulance Charges: INR 2,000 per hospitalization.
25% of the Sum Insured or INR 40,000 whichever is less per eye in one policy year to get treatment for cataract.
Pre and Post Hospitalization up to 30 days and 60 days respectively for same disease/illness/injury for which Hospitalization occurred.
Pre and Post Hospitalization up to 30 days and 60 days respectively for same disease/illness/injury for which Hospitalization occurred.
Cashless Facility available at Network Hospitals Only through TPA.
Pre Negotiated Package rates for specific surgeries/procedure in network hospitals.
Life Long Renewability.
Portability (migration) allowed from/to similar products as per IRDAI guidelines.

Covered

Why buy ASP-N:
Annual Increase in SI by 5% for each claim free year up to maximum 50% of SI opted.
Policy can be availed both as an individual as well as a floater.
Enhanced limits for room rents and ICU.
Online Discounts for purchasing policy online without any intermediary.
Instalment facility available for payment of premium.
Tax Rebate under Section 80D of Income Tax Act 1961 for premium paid


Pre Policy Check Up
For Whom Proposers aged 55 years and above (including dependents) and availing the policy for the first time.

List of Tests/Reports::
1. Physical examination (report to be signed by the Doctor with minimum MD (Medicine) qualification)
2. Blood sugar (fasting/ post prandial), HbA1c in some policies
3. Lipid profile
4. Serum creatinine
5. Urine routine and microscopic examination
6. ECG
7. Eye check-up (including retinoscopy)
8. Any other test required by the company and considered necessary

Note: The date of medical reports should not exceed 30 days prior to the date of proposal. 50% of the expenses incurred for pre policy check-up shall be reimbursed, if the proposal is accepted. Terms and conditions apply.

Exclusions
Only claims arising out of accidents are payable for the first 30 days of Inception of the Policy
All pre-existing diseases included after first forty eight months (48) of Policy
Two and Four Years waiting period for specific diseases
Our policy does not cover accidents encountered while participating in adventure sports
Sterility and Infertility & Maternity expenses
Refractive error surgery due to refractive error less than 7.5 dioptres.
Cosmetic, plastic surgery, change of gender
Drug/alcohol abuse
Dental treatment (unless arising out of accident and requiring hospitalization).