Best Health Insurance Company in India

Know All About Arogya Sanjeevani Health Insurance Policy

18 February, 2021

0 Shares

518 Reads

Aarogya Sanjeevani Policy

Share

As of April 2020, the Insurance Regulatory and Development Authority of India has directed all health and general insurance firms to provide the Aarogya Sanjeevani Policy, which is a regular health insurance policy for individuals and families that covers basic hospitalization-related costs up to Rs 5 lakh, along with hospitalization costs for COVID-19 patients. The regulator has forbidden insurers from implementing deductibles or providing riders and variants with the policy to make it easier to understand for someone who is looking to buy the policy.

This blog will discuss the plans, policy premiums, and benefits of the Arogya Sanjeevani scheme.

 

Plans and Policy Available Under Arogya Sanjeevani Scheme

 

Under the Arogya Sanjeevani Policy, there are two types of Plans Available:

 

  • An individual plan where the Sum Insured will be separate for each member.
  • A family floater plan where Sum Insured will be shared among all members.

 

Arogya Sanjeevani Policy Premium

 

This policy is a regular health insurance plan available in India from a number of insurers. The benefits and product features will be same across however the premium will vary for each insurer.

 

The individual plan start at around Rs. 3000, while Family Floaters two member plan start at around Rs. 4,500. The actual premium will depend on age, Sum Insured chosen and family members covered under the policy. Your chosen insurer's website will have the exact insurance premium chart and prices, as well as other information about your Arogya Sanjeevani Policy.

 

Arogya Sanjeevani Health Policy Eligibility

The Arogya Sanjeevani Health insurance policy is applicable to everyone between the ages of 18 and 65. You can also include dependent children aged 3 months to 25 years in the policy.

The family members allowed under this policy are self, spouse, children, parents, and parents-in-law. This health insurance policy can be renewed lifelong subject to payment of due renewal premium.

 

Benefits of Arogya Sanjeevani Policy

The policy covers pre- and post-hospitalisation, hospitalisation, doctors' and nurses' fees, and intensive care expenses, among other things and medical conditions. A complete list of coverage should be obtained from your insurance provider.

 

1. Hospitalization cover

 

  • Inpatient care at a hospital, including room rent and ICU charges.
  • Room rent limits:

a. Room rent: up to 2% of sum insured subject to a maximum of Rs.5,000 per day.

b. ICU/ICCU: up to 5% of sum insured subject to a maximum of Rs.10,000 per day.

 

2. Pre & Post hospitalization

Expenses for Pre hospitalization up to 30 days prior to hospitalization and Post hospitalization up to 60 days post discharge from a hospital will be covered

 

3. Tax Benefit

If you purchase this health insurance policy, you may claim a tax advantage under section 80D of the Income Tax Act of 1961.

 

4. Cumulative bonus

Cumulative bonus of 5% in respect of each claim free policy year, maximum up to 50% of sum insured. In case of a claim, the accrued cumulative bonus will be reduced at the same rate.

 

5. Free Look Period

On Arogya Sanjeevani Policy, you will have a free look-up period. This is the window of opportunity for you to thoroughly review the terms and conditions of your health insurance policy and determine whether or not to retain it. If you want to cancel the contract, you can obtain a refund according to the term and conditions of the policy.

 

6. Ambulance Costs

Under the Arogya Sanjeevani Policy Road Ambulance charges up to Rs.2,000 per hospitalization is also covered on.

 

Inclusions Under Arogya Sanjeevani Scheme

The following are the limitations of the National Arogya Sanjeevani health plan:

 

  • Any costs associated with medical evaluation and investigation.

  • Hospitalisation costs for respite care, rest cure, and rehabilitation.

  • Any costs associated with cosmetic and plastic surgery.

  • Sterility/Infertility/Maternity expenses are also ineligible for reimbursement.

  • Expenses for hospitalisation incurred as a result of participation in adventure/risky sports activities.

  • Gender treatments are also prohibited.

  • Expenses for surgical treatment of obesity that do not meet certain criteria.

 

Claim Settlement Process

The claim settlement process under this policy is categorised under two types: Payment claims and Cashless claims. Policyholders can use the claim procedure and steps outlined below:

 

Arogya Sanjeevani Payment Claims

For emergency hospitalisations, you must notify the insurer within the time frame specified below:

 

  • Within 72 hours of hospitalisation, you must share a written notification/fax/call the TPA (both emergency and planned).

  • Post-treatment expenses for pre- and post-hospitalization are reimbursed separately.

  • Sign the Investigation report, discharge summary, and other relevant documents before leaving the hospital.

  • Submit all required documents to the TPA in original within 15 days of hospital discharge.

 

Cashless Claims Made by Arogya Sanjeevani

 

  • To make a cashless claim under your National Arogya Sanjeevani policy, fill out the claim form.

  • Submit it to the TPA, and after verification, you will be granted authorisation to begin treatment.

  • At the time of discharge, sign and verify your papers.

  • If the insurer does not approve the cashless claim for any reason, you can get your expenses reimbursed.

     

Conclusion:

Arogya Sanjeevani Policy is offered by all health and general insurance firms in India, and they offer a range of advantages. It includes hospitalization cover, pre- and post-hospitalization costs, ambulance charges among other items. Arogya Sanjeevani Policy shields you and your loved ones from financial catastrophe in the event of a medical emergency.

Start Your Insurance Today!

Secure your Health with comprehensive insurance plans from Niva Bupa

+91
Disclaimer infoBy clicking Start Now, you authorize Niva Bupa to Call/SMS/Whatsapp on your registered mobile overriding DNCR.

You may also like

Health InsuranceHealth InsuranceMedical Insurance Best Health Insurance PlansHealth Insurance PlansHealth Insurance PolicyBest Health Insurance PlansBest Family Health InsuranceBest Mediclaim PolicyBest Health Insurance In IndiaBest Medical Insurance In IndiaBest Health Insurance Plans In IndiaBest Health Insurance Policy In IndiaMediclaimBest Health Insurance For Senior Citizens In IndiaBest Health InsuranceHealth Insurance With Opd CoverMediclaim InsuranceMedical Insurance PlansBest Health Insurance Company in IndiaCritical Illness InsurancePersonal Accident InsuranceMediclaim PolicyIndividual Health InsurancePregnancy InsuranceMaternity InsuranceBest Family Health Insurance plans in IndiaBest Health Insurance companyFamily Health InsuranceBest Health Insurance plans for Senior CitizensMediclaim Policy for Family

 

Health Insurance SchemesChief Ministers Comprehensive Health Insurance SchemeEmployee State Insurance SchemeSwasthya Sathi SchemePradhan Mantri Matru Vandana YojnaGovernment Health Insurance SchemeDr. YSR Aarogyasri SchemePradhan Mantri Suraksha Bima YojnaHealth Insurance DeductibleWest Bengal Hcovealth SchemeThird Party AdministratorRashtriya Swasthya Bima YojanaIn Patient Vs Out Patient HospitalizationMukhyamantri Chiranjeevi YojnaArogya Sanjeevani Health InsuranceCopay Health InsuranceCashless Health Insurance SchemeMukhyamantri Amrutum Yojna

 

Travel Insurance - Travel Insurance | International Travel InsuranceStudent Travel InsuranceTravel Insurance USATravel Insurance CanadaTravel Insurance Thailand | Travel Insurance GermanyTravel Insurance Dubai | Travel Insurance Bali | Travel Insurance Australia | Travel Insurance Schengen | Travel Insurance Singapore | Travel Insurance UK | Travel Insurance Vietnam | Malaysia Tourist PlacesThailand Visa for Indians  | Canada Visa for Indians | Bali Visa for IndiansECR and Non ECR Passport | Qatar Visa StatusUSA VisaVietnam VisaUSA H1B Work Visa

 

Become an agentInsurance Agent | Insurance AdvisorLicensed Insurance AgentHealth Insurance ConsultantPOSP Insurance Agent

 

Group Health InsuranceStartup Health Insurance | Commercial Health InsuranceCorporate insurance vs personal insuranceGroup Personal Accident Insurance

 

Top Hospitals -  Best Hospitals in ChennaiTop Hospitals in DelhiBest Hospitals in GurgaonBest Hospitals in IndiaTop 10 Hospitals in IndiaBest Hospitals in HyderabadBest Hospitals in KolkataBest cancer hospitals in BangaloreBest cancer hospitals in HyderabadBest cancer hospitals in MumbaiBest cancer hospitals in IndiaTop 10 cancer hospitals in IndiaTop 10 cancer hospital in DelhiMulti Speciality Hospitals in MumbaiMulti Speciality Hospitals in ChennaiMulti Speciality Hospitals in HyderabadSuper Speciality Hospitals in DelhiBest Liver Hospitals in DelhiBest Liver Hospitals in IndiaBest Kidney Hospitals in IndiaBest Heart hospitals in BangaloreBest Heart hospitals in IndiaBest Heart hospitals in KolkataBest Heart hospitals in Delhi


OthersTop Up Health Insurance PolicyCorporate Health InsuranceHealth CardSection 80d of Income Tax ActAyushman BharatHealth Insurance PortabilityGoActive Family Floater PlanHealth Companion Family Floater PlanHealth Premia Family Floater PlanHealth Pulse Family Floater PlanHealth Recharge Family Floater PlanHeartbeat Family Floater PlanMoney Saver Family Floater PlanSaral Suraksha Bima Family Floater PlanSenior Citizen Family Floater PlanSuper Saver Family Floater PlanCorona Kavach Family Floater PlanHospital Cash InsuranceCashless Health InsuranceHealth Companion Price revision | Heartbeat Price revision | ReAssure Price revision 

 

Health & Wellness - PCODPCOD Problems SymptomsStomach InfectionStomach Infection symptomsHome remedies for Stomach InfectionHypertension definitionHow to Control SugarTyphoid in HindiBlood sugar symptomsTyphoid symptoms in hindiLow sugar symptoms | ब्लड शुगर के लक्षणpregnancy me kya kareOpen heart surgery costBlood infection symptoms in hindiBP badhne ke karanKhansi ka gharelu upayOmicronCoronavirus Health InsuranceCovid XE VariantNorovirus

footer logo
Some image

www.nivabupa.com

Some image

+91 11 41743397

Some image

1860-500-8888

Some image

3rd Floor, Capital Cyberscape, Sector 59, Gurgaon

  • Insurance is a subject matter of solicitation. Niva Bupa Health Insurance Company Limited (formerly known as Max Bupa Health Insurance Company Limited) (IRDAI Registration Number 145, Category:Health), 'Bupa' and 'HEARTBEAT' logo are registered trademarks of their respective owners and are being used by Niva Bupa Health Insurance Company Limited (formerly known as Max Bupa Health Insurance Company Limited) under license. CIN: U66000DL2008PLC182918
  • 1 Niva Bupa processes pre-authorisation requests within 30 minutes for all active policies, subject to receiving all documents and information(s) up to Niva Bupa’s satisfaction. The above commitment does not include pre-authorisation settlement at the time of discharge or system outage.
  • 2 Since Inception refers to claim data from 2010 till December 2023.
  • 3 ReAssure 2.0 Premium: The premium is including taxes and for Bronze Variant, for a 25-year-old individual living in Delhi.
  • 4 Aspire Premium: The premium is including taxes and for Gold+ Variant, for a 25-year-old individual living in Delhi.
  • 5 Senior First Premium: The premium is including taxes and for Gold Variant, for a 65-year-old individual living in Delhi.
  • 6 Health Premia Premium: The premium is including taxes and for Silver Variant, for a 25-year-old individual living in Delhi.
  • 7 SmartHealth + Disease Management Premium: The premium is including taxes and for Disease Management Gold Variant rider when bought with ReAssure 2.0 Bronze variant with Base Sum Insured of 5 lacs, for a 25-year-old individual living in Delhi.
  • Beware of spurious / fraud phone calls! Do not share your confidential information like Debit / credit card number, Internet Banking User ID/Password, Pin, CVV, OTP, etc. with anyone. Avoid clicking on attachments / payment link received in mails / message from unknown sources. IRDAI is not involved in activities like selling insurance policies, announcing bonus or investment or premium. Public receiving such phone calls are requested to lodge a police complaint. Do not respond to unsolicited and attractive offers received through unidentified calls, emails, SMSs, and other social media platforms. Beware of misleading telephone calls from people posing as Niva Bupa officials, agents, IRDAI Officials, Officials from ECI (Office of the Executive Council of Insurers) etc. and offering alluring benefits or sharing false information on your policy or on Niva Bupa. Niva Bupa shall not be responsible for any loss or damages whatsoever for any acts or omissions arising out of such spurious calls, and all customers are advised to contact our customer care at 1860-500-8888 and verify any representations or promises made by any such spurious callers before acting upon the same.
Social IconSocial IconSocial IconSocial IconSocial Icon