Arogya Sanjeevani Policy

Due to the recent Covid-19 pandemic, the Insurance Regulatory and Development Authority of India (IRDAI), launched a newly formulated standard health insurance plan for all the citizens of India from 1st April 2020.

The plan covers medical expenses like hospital room rent, ICU services, pre & post hospitalization expenses, and even new age treatments. It is offered by all private and public general health insurers across India.

Feel free to check-out and buy the Arogya Sanjeevani policy online on Coverfox. It is available as an individual and family floater policy.

Is it Important to Buy Arogya Sanjeevani Health Plan?

Yes, it is absolutely necessary to get a health plan for yourself and your family. Here are the top reasons for the same:

  • India has been drastically affected by Covid-19. As of September 17, 2020, there are more than 5,118, 253 active coronavirus cases, with 83,230 dead.
  • Thanks to medical inflation, the cost of hospitalization and healthcare is rising on an annual basis
  • With Arogya Sanjeevani Policy, you and your family will be secured
  • The plan comes with a sum insured of ₹1 lakh to ₹5 lakhs
  • It is one of the most affordable health plans in India
  • The policy can be availed in the form of an individual as well as family floater basis

What is Covered Under Arogya Sanjeevani Health Plan?

Arogya Sanjeevani health plan offers a wide range of cover options. Here are the top benefits of this plan.

  • Corona Cover: All types of hospitalization expenses arising out of illness or accidents, including Covid-19 related expenses.
  • AYUSH: Ayurveda, Yoga & Naturopathy, Unani, Siddha, and Homoeopathy related alternative styles of medicine are covered.
  • Hospital Room Rent Cover: If you or any of your family members require hospitalization, you can select the type of room as long as it is within ₹5000 a day for rental.
  • Intensive Care Unit Charges: This plan provides cover for ICU/ICCU related expenses of up to ₹10,000 a day or 5% of the total sum insured.
  • Emergency Ambulance Services: In case you require emergency transportation services, ambulance charges of up to ₹2000 are included.
  • Cataract Surgery: Expenses related to cataract surgeries are covered (₹40,000 or 25% of the sum insured).
  • Dental Treatment / Plastic Surgery: Conditions that require dental or plastic surgery are covered only if they arise out of accidental injury.
  • Pre & Post Hospitalization: Treatment related expenses 30 days before hospitalization and 60 days after Hospitalization.

What are New Age Treatments?

New age treatments are nothing but advanced medical treatments that require a specialized team of doctors and researchers. With the Arogya Sanjeevani Policy, you can avail cover of up to 50% of the sum insured.

List of New Age Treatments:

  • IONM: Intra Operative Neuro Monitoring
  • Stereotactic radio surgeries
  • Immunotherapy
  • Balloon Sinuplasty
  • Deep Brain stimulation
  • Intra vitreal treatment
  • Bronchial Thermoplasty
  • Stem cell therapy and research
  • Green laser treatment
  • Holmium laser treatment
  • Oral chemotherapy
  • Uterine Artery Embolization
  • High intensity focused ultrasound

The above list is not exhaustive. Read more on the Arogya Sanjeevani policy details only on Coverfox.

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What Is Not Covered Under Arogya Sanjeevani Health Plan?

Just like every other health plan, here is a list of exclusions that are not covered by Arogya Sanjeevani Standard Health Insurance.

  • Non-medical expenses
  • Hospital bills, pre/post hospitalization bills not related to a medical claim
  • STDs/AIDS/Venereal Diseases
  • Sterility/Fertility/Maternity Related Expenses
  • Hospitalization due to substance abuse/alcohol/drugs/narcotics
  • Outpatient Department Expenses
  • Domiciliary Hospitalization and Care
  • Intentional Cosmetic and Plastic Surgery
  • Obesity and weight related problems
  • Illness caused by lifestyle habits
  • War like situations
  • Dietary supplements
  • Maternity, childbirth, pregnancy related expenses

What are the Features of Arogya Sanjeevani Health Insurance Plan?

The key features of this plan are:

  • Sum Insured: You can choose a sum insured ranging from ₹1 lakhs to ₹5 lakhs
  • Minimum Copay: The Arogya Sanjeevani health insurance policy comes with a low copayment of 5%
  • Affordable Premium: Since this is a standard health insurance plan floated by the Government of India, the premium amount is lower in comparison to other health insurance plans.
  • Lifelong Renewal Option: The Arogya Sanjeevani Health Plan comes with an option of lifelong renewal.
  • Two Option: You can buy this plan either as an individual health insurance plan or on a family floater basis.
  • Cumulative Bonus: This plan comes with a cumulative bonus of 5% upon time of renewal, provided you have not made any claims in the previous year.

What is the Eligibility Criteria for Arogya Sanjeevani Health Policy?

Here is the list for Arogya Sanjeevani policy eligibility:

  • Any individual between the age of 18 years to 65 years
  • Dependent children between the age of 3 months and 25 years
  • Family floater option covers parents-in law as well
  • Lifelong renewability option
  • Age-related Osteoarthritis & Osteoporosis
  • Pre-Existing Diseases
  • Joint Replacement treatments

The policy comes with a waiting period of 24 months for specific illnesses, 30 days must after buy health insurance policy and 48 months

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Arogya Sanjeevani Policy Premium

The amount of premium varies across different insurers. It can come close to ₹3000 for an individual and ₹15,000 for a family floater plan. If you are still confused, you can utilise the Arogya Sanjeevani Policy Premium Calculator on Coverfox.

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