Zurich Kotak (formerly known as Kotak Mahindra) Arogya Sanjeevani Policy

To help more and more people opt for comprehensive yet affordable health insurance, the IRDA introduced a standard health insurance policy, i.e. Aarogya Sanjeevani Policy, on April 1st, 2020. Aarogya Sanjeevani Policy is a universal health insurance plan that is offered by all health insurance companies across the country. Health insurance policies by Zurich Kotak have already made a strong foothold in the Indian market. Let us take a look at the Zurich Kotak Arogya Sanjeevani Policy.

Zurich Kotak Aarogya Sanjeevani Policy is a standard health insurance scheme that provides medical coverage in times of need. The medical coverage includes in-patient hospitalisation, pre and post-hospitalisation expenses, hospital room charges, ambulance charges, ICU room charges, medical consultation fees, modern treatments, and other health care expenses. Furthermore, it also covers AYUSH treatment.

You can buy the Aarogya Sanjeevani Policy in two different forms: Aarogya Sanjeevani Individual Health Plan and Aarogya Sanjeevani Family Floater Plan. If you thinking about whether you are eligible for buying Zurich Kotak health insurance or not, check out your eligibility criteria for buying the Zurich Kotak Aarogya Sanjeevani Policy here:

• If you fall into the age group of 18 to 65 years, you are eligible to apply for the Arogya Sanjeevani Policy.

• If you choose Zurich Kotak Aarogya Sanjeevani Family Floater Plan, you will be able to get medical coverage for your child. The age of your child should fall between 3 months and 25 years.

• If your child is 18 years old, he/she will not be called dependent. Therefore, you have to buy the Zurich Kotak Aarogya Individual Health Insurance Plan.

• You can include your spouse, parents, parents-in-law, and dependent children under your chosen family floater plan.

Out of various health insurance policies by Zurich Kotak, Aarogya Sanjeevani Policy is the one that offers universal benefits to the policyholders. Take a look at some of its important features that are given below:

• Sum insured: The sum insured ranges from INR 50,000 to INR 10 lakhs (available in multiples of INR 50,000).

• Policy tenure: The policy tenure is of one year. However, it comes with lifetime renewability.

• Cashless treatment: Under this scheme, you can get cashless treatment in the Zurich Kotak Health Insurance network hospitals.

• Medical coverage: The policy's medical coverage includes pre and post-hospitalisation charges, room fees, ambulance charges, consultation fees, modern treatments, ICU service charges, and AYUSH medical treatment.

• Ambulance charges: This policy covers ambulance charges of up to INR 2,000.

• Modern treatments: 50% of the sum insured is covered for getting modern medical treatment and hospitalisation related to modern treatment.

• Pre and post-hospitalisation: You will be able to claim the medical coverage for pre and post-hospitalisation for up to 30 days and 60 days, respectively, under Aarogya Sanjeevani Policy.

• Waiting period: Check out the details of the waiting period under this policy here

• Once you purchase the policy, accidental hospitalisation will be covered from day one

• To cover the treatment of any illness, you need to wait for 30 days

• From the Aarogya Sanjeevani Policy's inception, you have to wait for 24/48 months to get medical coverage for the listed ailments

• If you are suffering from any pre-existing disease, you must wait 48 months to get medical coverage for pre-existing ailments.

You will not be able to get medical coverage for the following ailments and treatments under the Zurich Kotak Aarogya Sanjeevani Policy:

• Accidental hospitalisation due to adventure sports

• Maternity, infertility, and sterility medical expenses

• Cosmetic surgery

• Gender change surgery

• Dental treatment expenses unless hospitalisation is necessary due to an accident

• Rehabilitation due to drug/alcohol addiction

• Refractive error surgery

• OPD treatment

• Obesity treatment

• Hospitalisation due to involvement in any crime.

You will be able to get cashless treatment in case of hospitalisation under the Zurich Kotak Aarogya Sanjeevani Policy. To make a claim, you have to follow the process given below:

Cashless Treatment:

• Inform Zurich Kotak General Insurance at least 48 hours ago about the patient’s hospitalisation

• In case of any emergency hospitalisation, the insurance provider Zurich Kotak should be informed within 24 hours of hospitalisation.

• Visit a Network Hospitals that is linked with Zurich Kotak General Insurance to get cashless treatment.

• Get a pre-authorisation form to fill in the details of the patients. The details include the type of illness, the necessity of hospitalisation, and estimated hospitalisation expenses.

• This form should be duly signed by the insured and the concerned hospital department.

• The company will settle the medical bills directly with the hospital. You will have to pay only for the uncovered expenses and your share of the co-payment.

Reimbursement claim:

• You can get a reimbursement if, for some reason, you cannot take treatment in a network hospital. However, you will have to clear the bills yourself first.

• Make sure you inform the company within the time frame

• Pre and post-hospitalisation expenses can be settled separately

• Submit all the documents related to hospitalisation expenses within 15 days of the completion of the discharge. Discharge summary, examination reports, and other relevant medical bills should be submitted to the company Zurich Kotak General Insurance within 15 days from the date of discharge to settle the claim.

Health insurance policies are offered to the policyholders so they can get medical treatment without worry. Managing the high costs of hospitalisation is not easy, especially for middle-class households. Hence, the IRDA has given a perfect solution to the eligible applicants by providing them Aarogya Sanjeevani Policy. They can get their medical expenses covered by paying an affordable premium. Hence, buy it for you and your family without any delay.