Royal Sundaram Arogya Sanjeevani Policy

Staying fit and healthy is crucial for all ages, as it can help you achieve your goals. Life and uncertainties are synonymous, and problems never come after a notification. That's why you need to be future-ready for accidents, illnesses and medical emergencies. Making financial preparations in advance of any medical emergency will help you receive quick medical care without worrying about costs.

While there are plenty of health insurance plans available in the market today, there are some government-backed plans that all health insurance are mandated to offer. One of them is Arogya Sanjeevani Policy, which has been designed by the IRDAI as a standardised health insurance plan to increase access and affordability.

The Insurance Regulation and Development Authority of India recommends the Arogya Sanjeevani Policy, which is also provided by the Royal Sundaram General Insurance Company. This policy provides coverage for numerous in-patient benefits, daycare treatments as well as alternative medical treatment costs. Like many other health insurance policies by Royal Sundaram Insurance, Arogya Sanjeevani Policy is available for individual or family floater purchases. It is a health insurance plan for people looking for a cost-effective health insurance solution.

Given below are a few key features of the Royal Sundaram Arogya Sanjeevani Policy:

• Easy Claim Settlement Procedure: The Arogya Sanjeevani policy claim procedure managed by Royal Sundaram is straightforward and hassle-free.

• Wide Age Group Covered: This health insurance policy offers insurance protection for people between the ages of 18 and 65 years.

• Flexible Options for Sum Insured: You have the option to choose the sum insured from a range of INR 1 lakh to INR 5 lakhs.

• A cover for the whole family: One may even add his or her spouse, children, own parents and parents-in-law to the Royal Sundaram Arogya Sanjeevani policy.

• Tax-Benefit: Section 80D of the Income Tax Act provides tax advantages for the premiums paid for this coverage.

The following expenses are covered by the Royal Sundaram Arogya Sanjeevani policy during its term:

• Hospitalisation Expenses Covered: The coverage pays for all hospitalisation costs, such as room and board, nursing costs, and other related costs.
• ICU and ICCU Expenditures Covered: The policy also pays for ICU and ICCU expenses.
• Co-payment: All claims submitted under this policy are subject to a co-payment of 5% of the admissible claim amount, which must be paid in accordance with the policy's terms and conditions.
• Covers Pre and Post-Hospitalisation Expenses: Royal Sundaram Arogya Sanjeevani policy pays for the medical costs related to a 30-day pre-hospital stay and a 60-day post-hospital stay.
• Covers AYUSH Costs: The costs associated with receiving inpatient care using AYUSH system medications are also covered.
• Includes Cataract Medical-Treatment: The policy includes coverage for cataract surgery up to a maximum of INR 40,000 (or 25% of the insured amount).
• Covers Contemporary Treatment: According to the policy's terms, the policy also provides coverage for a number of modern treatments.

The following are the exclusions from this policy:

• Any forgoing medical condition for which medication was received earlier than 48 months after the policy's start date
• Treatments for obesity or weight loss are
• The cost of treatment for gender change
• Additionally, cosmetic or plastic surgery
• Stay in a hospital for any kind of evaluation or inquiry
• Any medical costs incurred because of engaging in dangerous activities or sports
• Infertility treatment
• Maternity costs.

These are a few of the expenses that this policy excludes. One needs to examine the policy wordings for a comprehensive list.

The policyholder must notify Royal Sundaram Health Insurance Company of any emergency hospitalisation within 24 hours of the incident. In contrast, the policyholder must notify the insurance provider at least 48 hours in advance of a planned hospitalisation.

The procedures for cashless and reimbursement claims, however, are distinct and are as follows:

Cashless Treatment:

• You must receive the treatment in a hospital that is approved by the insurance company and falls under the company’s approved network.

• One must first fill out the cashless claim form to claim the same. The reception desk at the network hospitals has this form on hand, or it may be downloaded.

• The insurance provider receives this claim form for approval and sends a pre-authorization letter to the network hospital after verifying it.

• The insured must then double-check the hospital discharge papers before signing them.

• The insured must now provide all necessary paperwork, including any necessary medical bills, ID documentation, diagnostic results, and NEFT information.

• When your cashless claim is accepted, you will receive the claim amount in your savings bank account.

Reimbursement claim:

To proceed with the claim reimbursement process, post-discharge, a policyholder must deliver the necessary paperwork to the company within the time frame specified below:

• You must submit the claim reimbursement form within 30 days of hospital discharge to be reimbursed for childcare services, hospitalisation, or pre-hospitalisation

• You must submit a claim within 15 days of receiving post-hospitalisation care to be reimbursed for post-hospitalisation costs.

This is all about Royal Sundaram Arogya Sanjeevani Policy, if you have not yet taken health insurance coverage and are looking for the best health insurance policy, then this is one of the most affordable health policies that offer comprehensive coverage for you and your entire family.