Liberty Arogya Sanjeevani Policy

Health insurance coverage was never more critical than it is right now. The world has seen the emergence of several death-threatening diseases, including the Covid-19 pandemic, its numerous variations, monkeypox, and many more. Due to the daily rise in healthcare charges, everybody must be covered by a comprehensive health insurance plan. The IRDAI, Insurance Regulatory and Development Authority of India, introduced a well-developed complete health insurance policy for all Indian citizens in response to the Covid-19 outbreak named Arogya Sanjeevani Policy.

Additionally provided by Liberty Health Insurance, the Arogya Sanjeevani Policy provides insured individuals with a wide range of advantages at a reasonable price. Let's take a look.

The Arogya Sanjeevani Policy is a standard health insurance plan launched in India and is mandatorily provided by every health insurance provider. Every company has the same protection features. Liberty Arogya Sanjeevani Policy by Liberty General Insurance is an indemnity-build plan covering health. You can fantastically safeguard yourself & family under this plan.

• Policy Duration: 1 year (Can be renewed on a yearly basis)

• Type of Policy: Individual Plan & Family Floater

• Free-look period: 15 days from the plan’s start date

• Premium Frequency: Monthly, quarterly, half-yearly, or annually

• Medical Examination: Not necessary till the age of 45 years

• Co-Payment: 5% of every claim made

• Sum Insured: Ranges from INR 1 lakh to INR 5 lakhs (Denomination of INR 50,000)

• Entry Age Eligibility: Minimum age - 18 years & Maximum age - 65 years

Take a look at what is covered in Liberty Arogya Sanjeevani Health Insurance Plan:

• Hospitalisation expenses: Your hospitalisation-related expenditures are covered up to 2 per cent of the sum insured amount is limited to INR 5,000 a day, it includes room charges, boarding, and nursing costs. In need of ICU or ICCU, the maximum coverage is 5 per cent of the sum insured which is limited to INR 10,000 a day.

• Daycare services: You are covered if your operation or treatment is completed on the first day or 24 hours after being hospitalised.

• AYUSH Treatment: Ayush treatment includes treatment taken under Yoga, Ayurvedic, Siddha, or Homoeopathy, which is covered under this plan subject to the insured sum.

• Pre-hospitalisation costs: Before a hospitalisation, doctor's fees, diagnostic costs, medication costs, etc. are covered along with the pre-hospitalisation costs up to 30 days before admission.

• Post hospitalisation-related costs: After-hospitalisation, added expenses such as doctor's fees, treatment costs, etc., all such post-hospitalisation costs up to 60 days after being discharged are covered.

• Ambulance fees: The expense for using an ambulance via road up to a limit of INR 2,000 per hospitalisation.

• Cataract Procedures: You are covered for cataract procedures. You can avail yourself up to 25% of the total amount insured per eye or INR 40,000, whichever is less, during a year of your policy.

Take a look at what is not covered in Liberty Arogya Sanjeevani Policy

• An existing illness is not covered until 48 months have passed since the start of the policy

• Medical expenses incurred as a result of ailment within the initial 1 month of the plan's start date. However, beginning on the first - day of the coverage, accidental medical costs are included

• Adventure sports-related injuries or hospitalisations

• War-related conditions are not protected in terms of injury or treatment.

• Gender-reversal-related medical expenses

• Your self-inflicted wound and injury

• Obesity therapy and weight loss programs

• Cosmetic procedures unless required after an accident.

An easy and simplified claim process is an added benefit of the Liberty Arogya Sanjeevani Policy.

Cashless Claims

• You won’t have to run around arranging money because of the cashless claim system. Liberty Health Insurance's Arogya Sanjeevani Policy includes your hospital-related medical expenses based on the agreed sum insured. You only need to complete a few formalities and seek medical treatment at any of the network hospitals. When your claim is approved, you only have to pay for your share; the rest will be covered.

Inform the company about the hospitalisation, preferably before the admission and they will settle the bills directly.

Reimbursement Claims

• At a non-network hospital, you will have to pay all healthcare-related costs upfront before you can receive any reimbursement. Post-discharge, after you receive the required paperwork you need to raise a claim within the allotted time frame. Liberty Health Insurance will begin processing repayment as per the Arogya Sanjeevani Policy's stated sum insured or relevant sub-limit. Once all the paperwork is verified, you will receive the claim amount in your bank account.

It's critical to consider both the benefits and drawbacks of a health insurance plan and its provider before choosing one. Liberty Health Insurance is one of the leading brands across India. This company offers some of the greatest health insurance options and effective customer support, with a remarkable claim settlement rate of 97.84% in the fiscal year 2020–21. A vast network of over 5,000 hospitals helps you receive the best care without worrying about expenses.