Arogya Sanjeevani Policy
A Government Health Insurance Scheme
About Arogya: Definition & Coverage
The Arogya Sanjeevani Policy is an economical and standard health insurance plan with comparable benefits and terms offered by all general health insurance providers across India. Although the policy provides the usual benefits mandated by the IRDAI (Insurance Regulatory and Development Authority of India), the service provided by this insurance company is what sets it apart.A cheap premium is offered by the Arogya Sanjeevani Health Insurance Policy, a complete health plan. It covers medical bills with a sum insured up to ₹5lakhs.
The coverage includes fees for in-patient treatment, hospitalization expenses (including pre- and post-hospitalization), daycare costs, room rent, ambulance road cover, Intensive Care Unit (ICU), and other alternative medical treatments such as plastic surgery, dental treatment, COVID-19, and AYUSH.With this comprehensive package, one can receive high-quality care without worrying about monetary issues. It doesn’t include any difficult terms and conditions that might discourage customers from purchasing a health plan.Anybody between the ages of 18 and 65can purchase Arogya Sanjeevani Health Insurance Policy. Furthermore, it offers lifelong renewability, so even if you are 65 years old, you can renew it. Self, spouse, children who are dependent, parents, or parents who are in-laws—all are eligible to buy this policy.
There are two plans offered by the Arogya Health Insurance Policy:
Individual Plan: The beneficiary of this plan is the policyholder, who is the only participant.
Family Floater Plan: The whole family can use this plan and avail of its benefits. In this, the beneficiaries may include several policyholder family members.You may acquire Arogya SanjeevaniPolicy under this plan for dependent childrenbetween 3 months to 25 years old.
Wide-ranging coverage: In accordance with the terms and conditions of the plan, medical costs related to injuries and illnesses are covered.
COVID-19 treatment: After 30 days from the policy’s start date, COVID-19 treatment is covered by the plan.
ICU/ICCU coverage:ICU and ICCU facility expenses up to 5% of the total amount insured, or ₹10,000 per day, are covered.
Hospital Room:Receive coverage for hospital room rent up to 2% of the insured amount, subject to a daily maximum of ₹5,000.
Before and after hospitalization:The plan covers pre- and post-hospitalization expenses 30 days before and 60 days after any protracted hospitalization lasting 24 hours or longer.
DaycareProcedures: The Arogya Sanjeevani Policy’s terms and conditions cover daycare procedures that don’t require a 24-hour hospital stay.
Cataract Surgery: After 24 months from the policy start date, charges for each eye’s cataract surgery and subsequent care are covered. Get coverage for a maximum of ₹40,000 and up to 25% of the money insured.
New-Age/ModernTreatments: Some contemporary or new-age treatments covered by the Arogya Sanjeevani Insurance Policy are robotic operations, oral chemotherapy, balloon sinuplasty, bronchial thermoplasty, intraoperative neuromonitoring, intravitreal injections etc.
Ayurveda, Yoga, Unani, Siddha, and Homeopathic (AYUSH) treatments—also referred to as alternative medicine—have their medical expenditures covered by this health plan.
Ambulance Cost: Get up to ₹2,000 in reimbursement for each hospitalization’s ambulance costs.
1.Simple Process: This health insurance policy provides uniform coverage and standard features. It has a few simple-to-understand predefined terms and conditions. Every step of the process, from purchasing your coverage to filing claims, is simple, quick, paperless, and hassle-free. There’s no need for printed copies.
2.Wide coverage: Policyholders are provided with comprehensive coverage by the plan. It pays for medical bills, AYUSH care, cataract operations, and dental care. The coverage also covers pre- and post-hospitalization costs, childcare treatments, and road ambulance fees. As a result, this comprehensive health plan provides financial security against various medical costs.
3.Cumulative Bonus: The Arogya Sanjeevani Health Plan offers a cumulative bonus of 5% on the total sum insured amount for each year without a claim.For years without making a claim, you’ll be qualified for an annual cumulative bonus.
4.Affordable: The ArogyaSanjeevani health plan offers a small amount of coverage for a low fee. Thus, this cost-effective coverage enables you to get access to high-quality medical treatment for yourself and your loved ones.
5.Flexibility: This is a crucial and noteworthy advantage of the policy. It enables flexible premium payment schedules. You can also include more family members, such as in-laws, in the policy’s coverage.
6.Lifelong Renewability: This feature enables policyholders to continue their coverage for as long as they live.
7.Minimal Copayment: You just have to contribute 5% of the claim total out of your own pocket when filing a health insurance claim.
8.Visit any hospital for treatment: Select from thousands of network hospitals in India to receive care without paying for it upfront or deciding on reimbursement.Arogya Sanjeevani Insurance also provides its policyholders with the benefit of cashless hospitalization.
9.Amount insured:You can alter your sum insured to suit your needs.Options for the insured amount range from one lakh to five lakh rupees. The IRDAI(Insurance Regulatory and Development Authority of India) determines the limit.
Concluding Remarks
The improvement of healthcare in India gives its citizens new optimism. Knowing that there is a treatment option even for fatal illnesses is reassuring. Nonetheless, the costs associated with medical care are frequently on the higher side. That can deplete one’s savings. Thus it is a huge relief to have the backing of a separate health insurance plan which provides various advantages and pays for hospitalization and medical care costs.
Arogya Sanjeevani Insurance is one such basic health insurance plan, but it also provides a lot of coverage! Even better, it offers a variety of features without emptying your pocket.Those with low incomes can benefit from the Arogya Sanjeevani Policy. You can purchase this indemnity-based health insurance for a reasonable rate. It lessens the financial strain that a stay in the hospital or any other medical emergency may cause.
If you are considering purchasing health insurance coverage for yourself, it is unquestionably something to think about. Just keep in mind to carefully evaluate your needs prior to selecting a plan.The greatest health insurance requires careful planning and an evaluation of one’s healthcare requirements. Arogya Sanjeevani Health Insurance Policy functions as a safety net against those steadily rising medical expenditures and has a simple claim process.
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