Arogya Sanjeevani Policy, Go Digit

What is Arogya Sanjeevani Policy?
The Arogya Sanjeevani Health Insurance is a standard health insurance plan that covers you from healthcare expenses from 3 lakhs to up to 5 lakhs. This coverage includes pre and post hospitalization expenses, hospital room rent (stay and bed charges), ICU services, and even new age treatments.
With the Arogya Sanjeevani Health Insurance offered by Digit, you can choose between a family floater plan or an individual policy for you and your family.
What is the significance of the Arogya Sanjeevani policy?
If you're someone who's often felt boggled down, and confused over all the varying health insurances online, you're not alone. That's why, The Arogya Sanjeevani Health Insurance was launched by the IRDAI, as an approach to simplifying health insurance by providing a basic, standard plan that will be offered by all health insurance companies, with similar benefits.

Perhaps the only thing that differentiates one from another, is the service offered by each health insurance provider during the buying and claim process, the cashless hospitals available in each insurer's network, and the arogya sanjeevani policy premium.

Why should you buy the Arogya Sanjeevani Policy?
Both healthcare expenses and healthcare conditions are on the rise in India.
The Arogya Sanjeevani Policy is one of the most affordable health insurance policies in the market today.
At least having a basic health insurance is key to smart financial planning and investing!
India is one of worst COVID hit countries in the world. The Arogya Sanjeevani Policy could be a cost-effective option to cover you from both the COVID-19 & other illnesses in the long-term.



What's covered under Arogya Sanjeevani Health Insurance Policy?
Hospitalization Expenses: This includes all pre and post hospitalization expenses (diagnostics, doctor charges, operation costs, hospital stay, medicines, etc) incurred due to an illness or accident, including treatment and hospitalization for the COVID-19.
AYUSH: Many seniors prefer opting for alternative treatments. This policy covers those treatments if done in certified hospitals of Ayurveda, Unani, Siddha and/or Homeopathy.
Cumulative Bonus: Even if you don't make any claim during the year, you have nothing to lose! For every claim free year, get rewarded with a 5% bonus in your sum insured!
Room Rent: When you get hospitalized, there are different hospital rooms you can choose from. With this policy, you can choose any room you like as long as it is up to Rs 5,000/day.
ICU/ICCU: Expenses incurred on ICU and ICCU facilities for up to 5% of the total sum insured or Rs.10,000 per day is covered.
Ambulance Services: Ambulance charges with a maximum cap of Rs.2,000 per hospitalization are included in the policy.
Plastic Surgery and Dental Treatments: Plastic surgery or dental treatments necessitated owing to an injury, or a disease are covered.
Cataract Surgery: Expenses incurred towards cataract surgeries are covered. You can avail coverage of up to Rs.40,000 or 25% of the total sum insured, whichever is lower.
New Age Treatments: Modern treatments, including balloon Sinuplasty, Immunotherapy and Stem Cell Therapy, amongst many other treatments (list given below) can be covered to up to 50% of your sum insured.

What's not covered?
Any hospitalization or pre-hospitalization expenses not related to the medical claim made will not be covered.
Obesity or weight control related treatment not claimed due to any co morbidities will not be covered.
Change of gender treatments are not covered under this policy.
Cosmetic and plastic surgeries are not covered.
Treatments due to substance abuse is not covered in the Arogya policy.
Treatments without a doctor's recommendation or not necessitated medically will not be covered.
Sterility and fertility treatments are not covered.
Maternity related expenses are not part of this policy.
The Arogya Sanjeevani Policy does not cover domiciliary care of OPD expenses.



Standard Benefits of the Arogya Sanjeevani Health Insurance Policy
Lifelong Renewability: While the entry level for the purchase of this policy is limited to those between the ages 18 to 65 years, this policy comes with lifelong renewability, as long as you renew it on time.

Low Arogya Sanjeevani Policy Premium: Since this is a basic, standard policy set by the IRDAI, the arogya sanjeevani policy premium for the same is comparatively lower than other health insurance policies in the market.

Low Copayment: Every health insurance comes with independent copayment limitations. Some have a 10-20% copayment, while some come with no copayment at all. In this policy, there is a minimum copayment of 5% only; i.e. during claims you will have to 5% of the expenses from your pocket.

Individual & Family Floater Available
The Arogya Sanjeevani Policy offered by Go Digit General Insurance comes with two plans available: An Individual Health Policy (One policy each for a family member) and a Family Floater Health Insurance (One policy for the entire family).

Limited Sum Insured: Under the Arogya Sanjeevani Health Insurance Policy, the sum insured you can choose is limited from 3 lakhs to 5 lakhs.

Who should buy the Arogya Sanjeevani Policy?
First-time health insurance buyers: The Arogya Sanjeevani Policy benefits are almost the same across all insurers and is the most affordable health insurance policy in the market currently. So, if you're still young and are only just beginning your journey with a health insurance, buying a basic health insurance plan like the Arogya plan for now may be suitable since you are less likely to need a sum insured of more than 5 lakhs and you may not want to spend too much on your health insurance premium just yet.

People looking for COVID-19 protection as a priority: Since the COVID-19 outbreak, people are increasingly looking for a health insurance policy that will cover them if they're infected with the same. If you too are looking for such a policy, the Arogya Sanjeevani Policy could be a better option given that it costs almost the same as coronavirus specific plans and covers the COVID-19 among other diseases and illnesses too. The best part is it comes with lifelong renewability as compared to individual coronavirus plans that expire in just a few months.

People looking for a basic, affordable health insurance plan:If you'd like to protect you and your family with a health insurance but don't want to spend too much on your annual health insurance premium, you can opt for the Arogya Sanjeevani Health Insurance Policy which is currently one of the most affordable options in the market today.