arogya-sanjeevani-policy

UNDERSTAND YOUR AROGYA SANJEEVANI POLICY, ICICI LOMBARD COVERAGE

Your policy coverage and benefits:

In-patient hospitalization: In-patient hospitalization expenses like room rent/boarding and nursing up to 2% of sum insured subject to a maximum of 5,000 per day. Intensive Care Unit (ICU) / Intensive Cardiac Care Unit (ICCU) charges up to 5% of sum insured subject to a maximum of 10,000 per day. The surgeon's fee, doctor's fee, anesthesia, blood, oxygen, operation theatre charges incurred during your hospitalization for more than 24 hours are also covered.

Pre and post hospitalization: Medical expenses incurred 30 days prior and 60 days post hospitalization.

In-patient AYUSH treatment: Alternative treatments like Ayurveda, Unani, Siddha and Homeopathy (AYUSH) undergone in a government hospital or any institute recognized by the government and or accredited by Quality Council of India/National Accreditation Board.

Day care procedures: Medical bills for all the day care treatments that require hospitalization for less than 24 hours.

Emergency Ambulance cover: On road ambulance charges up to 2000.
Cataract treatment: Expenses incurred during a cataract treatment up to 25% of the sum insured or 40,000, whichever is lower.

Dental treatment and Plastic surgery: Medical costs for treating a disease arising out of an injury.

Pre-existing diseases: Specified pre-existing diseases after 4 years waiting period. The waiting period benefit applies to ported policies.

Floater benefit: Extension of the coverage of your single policy to your family (legally wedded spouse, dependent parents and parents-in-law, dependent children) by paying one premium amount on floater basis. You can get any child above 3 months of age covered under the policy provided one adult is also covered under it.

Tax benefits: Tax deductions up to 25,000 under section 80D on securing your health and that of your dependent parents and children. Senior citizens can avail tax benefit up to 50,000.

Lifelong renewability: Flexibility to renew your policy every year without a capping on the age.

Cumulative bonus: 5% additional sum insured on every claim-free year up to a maximum of 50% of sum insured for the same premium amount.

Free look period: Cancellation of policy by giving written notice within 15 days of receiving the policy.

In patient treatment or as part of day care treatment in a hospital up to 50% of Sum Insured

Your policy does not cover:
Any admission primarily for diagnostic and evaluation expenses
Diagnostic expenses that don't relate to the treatment you are undergoing
Costs incurred for nursing at home
OPD expenses
Costs incurred by non-allopathic treatment, unproven treatment, treatment of pregnancy and childbirth related complications, cosmetic, aesthetic and obesity related treatment
Expenses arising out of professional participation in hazardous or adventure sports
Costs incurred for the treatment of alcoholism or drug or substance abuse
Expenses incurred at spas and nature cure clinics
Bills for dietary supplements and substances that are not prescribed
Expenses for eyesight correction treatment arising out of refractive error less than 7.5 diopters
Expenses related to fertility and infertility
Expenses arising out of war, civil war, nuclear attack, chemical or biological attack or breach of law
Costs incurred for treatments out of India

Following treatments, disorders and conditions for the first 2 years:
Benign ENT disorders
Tonsillectomy
Adenoidectomy
Mastoidectomy
Tympanoplasty
Hysterectomy
All internal and external benign tumours, cycts, polyps of any kind, including benign breast lumps
Benign prostate hypertrophy
Cataract and age related eye ailments
Gastric/ Duodenal Ulcer
Gout and Rheumatism
Hernia of all types
Hydrocele
Non Infective Arthritis
Piles, Fissures and Fistula in anus
Pilonidal sinus, Sinusitis and related disorders
Prolapse inter Vertebral Disc and Spinal diseases unless arising from an accident
Calculi in the urinary system, Gall bladder and Bile duct, excluding malignancy
Varicose Veins and Varicose Ulcers
Internal Congenital Anomalies

Following treatments, disorders and conditions for the first 4 years:
Treatment for joint replacement unless arising from an accident
Age-related Osteoarthritis & Osteoporosis

CHECK YOUR ELIGIBILITY FOR AROGYA SANJEEVANI POLICY, ICICI LOMBARD

You are eligible to avail this standard health insurance plan if:
You /Your legally wedded Spouse /Parents/ Parents In law are in the age group of 18 years to 65 years
Your dependent children are in the age group of 3 months to 25 years
Please note that if your children are above 18 years of age and are financially independent, they will be ineligible for coverage in the subsequent renewals

ABOUT AROGYA SANJEEVANI POLICY, ICICI LOMBARD
Arogya Sanjeevani Policy, ICICI Lombard is an ideal choice if you are looking for a health plan that provides coverage for the basic health needs. It is a standard policy that will have your back in times of a medical emergency. You can also extend its benefits to your family (spouse, dependent parents and children). It covers you for pre and post hospitalization expenses and room charges, doctor or special consultant's fees, medicine bills during your hospitalization for more 24 hours. Your day care procedures are also taken care of by this policy. Since the policy comes with plans that only differ with respect to sum insured and their respective premiums, having your pick becomes much easier. The sum insured begin just 1 Lakh onwards and you can choose plans up to 5 Lakh. Thus, this policy cuts down your confusion and keeps you well prepared for all the most basic health needs. You can avail cashless medical care, lifelong renewability benefit, cumulative bonus of 5% on sum insured, ambulance cover, In patient AYUSH Treatment (Ayurveda, Yoga, Naturopathy, Unani, Siddha and Homeopathy), and dental and cataract treatment with it.