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Healthcare Supreme is a comprehensive plan with a wide range of coverage to fulfil all your healthcare needs, at every stage of life. With this policy,you can stand tall and face any medical emergency
Arogya Sanjeevani Policy: Standard Health Insurance at Reasonable Premiums
WHY CHOOSE BAJAJ ALLIANZ AROGYA SANJEEVANI POLICY?
Taking care of something precious to you is a natural instinct. And, we know that your health is the most precious thing to you. You can win the world if you are fit and fine. But, you need a strong financial support if you have to take good care of your health, especially in case of an emergency like a serious illness or accident.
The Arogya Sanjeevani Policy by Bajaj Allianz Health Insurance will help you get that financial support and protect you from the financial burden at the time of hospitalization. With Arogya Sanjeevani health insurance, you can stop worrying about emptying your savings and deal with any medical emergency head-on.
With Arogya Sanjeevani Policy to support you, you don't ever have to worry about not having enough money for treatment in case things go wrong.
WE OFFER A WHOLE LOT WHEN IT COMES TO AROGYA SANJEEVANI HEALTH INSURANCE!WHY CHOOSE BAJAJ ALLIANZ AROGYA SANJEEVANI POLICY?
KEY FEATURES
The Arogya Sanjeevani Policy by Bajaj Allianz Health Insurance will help you get that financial support and protect you from the financial burden at the time of hospitalization. With Arogya Sanjeevani health insurance, you can stop worrying about emptying your savings and deal with any medical emergency head-on.
Extensive Coverage
Arogya Sanjeevani health insurance policy covers you for*:
a) Hospitalization:
i. Room Rent, Boarding, Nursing Expenses
ii. Intensive Care Unit (ICU)/Intensive Cardiac Care Unit (ICCU)
iii. Road ambulance cover
b) Listed Modern Treatment Methods
c) All Day Care Treatments
d) AYUSH Treatment: Medical Expenses incurred for Inpatient Care treatment under Ayurveda, Yoga and Naturopathy, Unani, Sidha and Homeopathy systems of medicines during each Policy Year upto the limit of Sum Insured as specified in the Policy Schedule in any AYUSH Hospital.
e) Cataract Treatment: Medical Expenses incurred for treatment of Cataract
*subject to limits
Medical Procedures Covered
Arogya Sanjeevani health insurance policy covers the following procedures either as In-patient or as part of day care treatment in a hospital*:
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) Bronchical Thermoplasty
j) Vaporisation of the prostrate (Green laser treatment or holmium laser treatment)
k) IONM (Intra Operative Neuro Monitoring)
l) Stem Cell Therapy: Hematopoietic stem cells for bone marrow transplant for haematological conditions to be covered.
Policy Type
There are two types of Arogya Sanjeevani health insurance policies, both with a tenure of one year:
a) Arogya Sanjeevani Policy, Bajaj Allianz General Insurance Company - Individual
b) Arogya Sanjeevani Policy, Bajaj Allianz General Insurance Company - Family Floater
Premium Payment in Installment
Premium Payment can be made either in Full or in instalments- Half Yearly, Quarterly, Monthly.
Annual Policy
You and your family members will be covered for a period of one year with Arogya Sanjeevani health insurance policy.
Lifetime Renewal
Arogya Sanjeevani policy comes with lifetime renewal benefits.
Discounts
Family Discount: 10% family discount shall be offered if 2 eligible Family Members are covered under a single Policy and 15 % if more than 2 of any of the eligible Family Members are covered under a single Policy. Moreover, this family discount will be offered for both new policies as well as for renewal policies.
Online/Direct Business Discount: Discount of 5% will be offered in this product for policies underwritten through direct/online channel.
Note: this discount is not applicable for Employees who get employee discount
THAT'S NOT ALL, HERE ARE THE ADDITIONAL BENEFITS WITH YOUR AROGYA SANJEEVANI HEALTH INSURANCE
The Arogya Sanjeevani Health Insurance Plan Provides Extensive Coverage With Multiple Benefits:
Renewalibilty
Lifetime Renewal benefit is available under this policy.
Hassle-Free Claim Settlement
With our cashless and reimbursement claim settlement process, we make your filing, tracking and claim settlement process very smooth and convenient.
Premium Payment In Installment
Premium can be paid on instalment basis- Annual, Half yearly, Quarterly or Monthly.
No pre-policy checkup till 45 years of age
For new proposals, you do not have to undergo any medical test up to 45 years of age.
Cumulative Bonus
Cumulative Bonus will be increased by 5% in respect of each claim free policy year (no claims are reported), provided the policy is renewed with the company without a break subject to maximum of 50% of the sum insured under the current policy year.
Free Look Period
The Insured or Insured Person(s) shall be allowed a period of fifteen days from date of receipt of the Policy to review the terms and conditions of the Policy, and to return the same if not acceptable.
IMPORTANT POINTS TO NOTE BEFORE BUYING AROGYA SANJEEVANI HEALTH INSURANCE
INCLUSIONS
01.Pre and post hospitalization cover
Covers pre and post hospitalization expenses up to 30 and 60 days respectively.
02.Road Ambulance Expenses
Includes the expenses incurred on road ambulance subject to a maximum of Rs. 2000/- per hospitalization.
03.Pre-policy check-up cost
100 % cost of pre-policy check-up would be refunded if the proposal is accepted & policy is issued.
04.Day Care Treatment Expenses
Covers expenses for all Day Care treatments.
EXCLUSIONS
01. Any disease contracted during the first 30 days of commencement of the health insurance policy will be excluded from coverage, except injuries caused due to an accident.
02. In case of pre-existing diseases, a waiting period of 48 months will be applicable.
03. A waiting period of 24 months is applicable for diseases such as a hernia, piles, Hysterectomy and Tympanoplasty.
04. Treatment taken outside the geographical limits of India will be excluded from coverage.
05. A waiting period of 48 months is applicable for treatment for joint replacement unless arising from accident.
Day Care Treatments
All Day Care Treatments
Post-Hospitalization
The Company shall indemnify Post Hospitalization Medical Expenses incurred, related to an admissible Hospitalization requiring Inpatient Care, for a fixed period of 60 days from the date of discharge from the Hospital, following an admissible Hospitalization covered under the Policy.
Pre-Hospitalization
The Company shall indemnify Pre-Hospitalization Medical Expenses incurred, related to an admissible Hospitalization requiring Inpatient Care, for a fixed period of 30 days prior to the date of admissible Hospitalization covered under the Policy.
Ambulance Charge
Expenses incurred on road ambulance subject to a maximum of Rs. 2000/- per hospitalisation.
Eye & Dental Covers
Dental treatment, necessitated due to disease or an injury The Company shall indemnify Medical Expenses incurred for Inpatient Care treatment under Ayurveda, Yoga and Naturopathy, Unani, Sidha and Homeopathy systems of medicines during each Policy Year up to the limit of Sum Insured as specified in the Policy Schedule in any AYUSH Hospital. The Company shall indemnify Medical Expenses incurred for treatment of Cataract, subject to a limit of 25% of Sum Insured or Rs.40,000/-, whichever is lower,
Existing Illness Waiting Period
Expenses related to the treatment of a pre-existing Disease (PED) and its direct complications shall be excluded until the expiry of 48 months of continuous coverage after the date of inception of the first policy with us.
Maternity
i. medical treatment expenses traceable to childbirth (including complicated deliveries and caesarean sections incurred during hospitalization) except ectopic pregnancy; ii. expenses towards miscarriage (unless due to an accident) and lawful medical termination of pregnancy during the policy period.
