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A medical emergency can come anytime unannounced; therefore, planning ahead of any medical need is necessary. In the past few years, there has been a shift in the general attitude towards health insurance, and people are now more aware of the importance of health insurance. Addressing the need for pocket-friendly health insurance products, IRDAI has developed a standard health insurance policy across the industry, called Arogya Sanjeevani Policy which all health insurers offer.
HDFC ERGO Arogya Sanjeevani Policy is a basic health insurance plan that indemnifies medical expenses due to hospitalization, pre and post-hospitalizations, AYUSH treatment, and more. The policy also covers advanced treatments up to 50% of the sum assured.
Below is a list of key features of HDFC ERGO Arogya Sanjeevani Policy:
HDFC ERGO is known for its instant service, paperless buying and claim settlement with minimum documentation. Here is why you should choose an HDFC ERGO Arogya Sanjeevani policy:
Comprehensive coverage at affordable rates.
HDFC ERGO has a wide 13000+ cashless network of hospitals that offer treatment for health insurance policies by HDFC ERGO.
You can have HDFC ERGO health insurance for as long as you live because the policy can be renewed for the lifetime of the insured.
The Claim procedure for HDFC ERGO Sanjeevni Policy is simple and customer friendly. The Policy provides the options of using both Cashless and Reimbursement claims.
It is always suggested that the insured use the Cashless Claims mode. This saves quite an effort for the insured in preparing the documents. The following points should be kept in mind for Cashless Claims.
Seek treatment in a hospital registered on the vast Hospital network of HDFC ERGO.
In case of planned hospitalization, inform the insurance company at least 48 hours in advance, along with details of the medical procedure/treatment and that of the hospital.
In case of emergency hospitalization, the insurance company should be informed within 24 hours of hospitalization.
The network hospital will require the Health Card and a Photo ID of the insured to process the pre-authorization of medical expenses.
The hospital will send a pre-authorization form, signed by the insured, to the insurance company along with Medical details.
After verification and subsequent approval, the insurance company will send the Authorization Letter to the hospital.
In case the Cashless Claim procedure is not authorized by the Insurance company, the insured can claim a reimbursement of the medical expenses as per the policy norms.
The insured needs to verify and sign the discharge papers at the time of discharge. The Insurance company settles the bill for the insured.
This is when you need to pay the claim from your own pocket and then get the same reimbursed from the insurer. The process for the same is:
The Reimbursement Claim, along with all required documents, should be submitted to the insurance company within 30 days of discharge from the hospital.
The usual documents required for claim submission include copies of the Patients health card and photo ID, all details of the treatment or surgery, Discharge Summary, all payment receipts, original medical bills, diagnostic reports and NEFT details, and a cancelled cheque. The Insurance company may request additional documents in case of requirement.
Once the insurance company verifies the documents and approves, the approved amount is transferred to the insured. This process takes less than 30 days from the submission date of all the required documents.
Get your family covered against any medical emergencies with HDFC ERGO Arogya Sanjeevani policy if you still do not have health insurance.
This is all about Bajaj Allianz Arogya Sanjeevani Policy. If you have not yet taken a health insurance cover and have no idea which health cover is best for you, this is the best policy with comprehensive coverage for your entire family.
Ans: No, The policy has the same premium throughout India.
Ans: Aarogya Sanjeevani Policy offers a sum insured of a minimum of Rs. 50,000 upto a maximum of Rs. 10 Lakhs in multiples of Rs. 50,000.
Ans: This is a basic health insurance plan without any variants.
Ans: Yes. Yes. The policy is available for NRIs also. Note that the premiums have to be paid in Indian currency only and the customer should be present in India at the time of purchase.