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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.
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 Rs. 1 lakh to Rs. 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.|
Arogya Sanjeevani health plan offers a wide range of cover options. Here are the top benefits of this plan.
All types of hospitalization expenses arising out of illness or accidents, including Covid-19 related expenses.
Ayurveda, Yoga & Naturopathy, Unani, Siddha, and Homoeopathy related alternative styles of medicine are covered.
If you or any of your family members require hospitalization, you can select the type of room as long as it is within Rs. 5000 a day for rental.
This plan provides cover for ICU/ICCU related expenses of up to Rs. 10,000 a day or 5% of the total sum insured.
In case you require emergency transportation services, ambulance charges of up to Rs. 2000 are included.
Expenses related to cataract surgeries are covered (Rs. 40,000 or 25% of the sum insured).
Conditions that require dental or plastic surgery are covered only if they arise out of accidental injury.
Treatment related expenses 30 days before hospitalization and 60 days after Hospitalization.
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,
The above list is not exhaustive. Read more on the Arogya Sanjeevani policy details only on Coverfox.
Just like every other health plan, here is a list of exclusions that are not covered by Arogya Sanjeevani Standard Health Insurance.
The key features of this plan are:
Read more about the Arogya Sanjeevani health insurance policy details on Coverfox.
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
The policy comes with a waiting period of 24 months for specific illnesses, 30 days must after buy health insurance policy and 48 months for:
Age-related Osteoarthritis & Osteoporosis
Joint Replacement treatments
The amount of premium varies across different insurers. It can come close to Rs. 3000 for an individual and Rs. 15,000 for a family floater plan. If you are still confused, you can utilise the Arogya Sanjeevani Policy Premium Calculator on Coverfox.