Arogya Sanjeevani Policy

Arogya Sanjeevani Policy
The standard health insurance policy for covering your medical expenses.



Benefits of Buying Arogya Sanjeevani Policy
Covers basic hospitalization with max sum insured up to Rs. 5 lakhs
For self, spouse, parents, parents-in-law and dependent children
Premium can be paid by yearly/half-yearly/quarterly or monthly mode
Pre Hospitalization expenses covered for 30 days
Post Hospitalization expenses covered for 60 days
5% co-payment on all claims
Cumulative bonus offered for each claim free year

Hospitalization expenses will be payable, for:
Room Rent, Boarding, Nursing Expenses up to 2% of the sum insured subject to maximum of Rs.5000 per day.
Intensive Care Unit (ICU) / (ICCU) expenses up to 5% of sum insured subject to maximum of Rs.10,000 per day.
Surgeon, Anesthetist, Medical Practitioner, Consultants, Specialist Fees whether paid directly to the treating doctor / surgeon or to the hospital.

Anesthesia, blood, oxygen, operation theatre charges, surgical appliances, medicines and drugs, costs towards diagnostics, diagnostic imaging modalities and such similar other expenses.

Cataract: Up to 25% of Sum insured or Rs.40,000, whichever is lower (for each eye).
Dental treatment, necessitated due to disease or injury

AYUSH Treatment

Expenses incurred on road Ambulance subject to a maximum of Rs.2000 per hospitalization.

Expenses related to any admission primarily for diagnostics and evaluation purposes.

Rest Cure, rehabilitation and respite care.

Obesity/Weight Control-Expenses related to the surgical treatment of obesity

Change-of-Gender treatments

Cosmetic or plastic Surgery

Hazardous or adventure sports

Breach of law

Excluded providers

Treatment for alcoholism, drug or substance abuse or any addictive condition and consequences thereof.

Dietary supplements and substances that can be purchased without prescription.

Refractive errors related treatment expenses, unproven treatments, sterility & infertility

Maternity expenses

War (whether declared or not) Nuclear, chemical or biological attack or weapons etc.

Any expenses incurred on Domiciliary Hospitalization and OPD treatment

Treatment taken outside the geographical limits of India
In respect of the existing diseases, disclosed by the insured and mentioned in the policy schedule

Pre-Existing Diseases: 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.

First Thirty Days Waiting Period: Expenses related to the treatment of any illness within 30 days from the first policy commencement date shall be excluded except claims arising due to an accident, provided the same are covered.
Specific Waiting Period: Expenses related to the treatment of the listed conditions, shall be excluded until the expiry of 24/48 months of continuous coverage, as may be the case after the date of inception of the first policy with the insurer.

The insured may cancel this policy by giving 15 days written notice, and in such an event, the Company shall refund premium on short term rates for the unexpired policy period.