Arogya Sanjeevani Health Insurance Policy – Definition, Coverage, Features, Exclusions, Best Plans, Companies, Premiums, Benefits | Free Quote Online

What is Arogya Sanjeevani Health Insurance Policy?

The Arogya Sanjeevani Health Insurance Policy is a standard Health Insurance Policy offered by all Health Insurance Companies in India. The Plan was launched by the Insurance Regulatory and Development Authority of India (IRDAI) on 1st April 2020. The Arogya Sanjeevani Plan provides Health Insurance Coverage with various Sum Insured options from Rs50,000 to Rs25 Lakhs at affordable premiums.

What does an Arogya Sanjeevani Health Insurance Policy cover?

An Arogya Sanjeevani Health Insurance Policy covers the following:

1. Hospitalisation Expenses: An Arogya Sanjeevani Health Insurance Policy provides coverage for Hospitalisation Expenses incurred including Room Rent, Boarding, Nursing Expenses.
2. Pre and Post-Hospitalisation Expenses: The Policy also provides coverage for Pre and Post-Hospitalisation Expenses for 30 days-60 days respectively.
3. AYUSH Treatments: The Arogya Sanjeevani Health Insurance Policy also provides coverage for AYUSH treatments which are alternative treatments like Ayurveda, Yoga and Naturopathy, Unani, Siddha and Homeopathy upto the Sum Insured amount
4. Modern Treatment Methods: The Arogya Sanjeevani Health Insurance Policy provides coverage for Modern Treatment Methods like Balloon Sinuplasty, Intra Vitreal Injections, Robotic Surgeries upto 50% of the Sum Insured amount

Best Arogya Sanjeevani Health Insurance Plans in India

The list of top Arogya Sanjeevani Health Insurance Policies is given below:

What are the Features of an Arogya Sanjeevani Health Insurance Policy?

The features of Arogya Sanjeevani Policy are listed below:

1. Arogya Sanjeevani is a standard Indemnity Health Insurance Policy that provides cover against hospitalization expenses incurred due to illness or injury.
2. Various Sum Insured options available ranging from Rs50,000 to Rs25 lakhs
3. Policy can be purchase as an Individual or a Family Floater Health Insurance Policy
4. Policy has a Room Rent Limit of 2% of Sum Insured subject to a maximum of Rs5000/day for Normal Rooms and 5% of Sum Insured subject to a maximum of Rs10,000/day for ICU Rooms
5. The Policy provides coverage for Pre- and Post-Hospitalization Expenses for 30 and 60 days respectively.
6. Modern Treatment Methods are covered upto 50% of the Sum Insured
7. Arogya Sanjeevani Health Insurance Policy has a No Claim Bonus of 5% for each claim free policy year. If a Claim is made in any particular year, the bonus accrued is reduced at the same rate at which it has accrued.
8. The Policy provides coverage for Cataract Treatments upto 25% of the Sum Insured or Rs40,000/- for each eye whichever is lower
9. Arogya Sanjeevani Health Insurance Policy has a Co-Payment of 5% of the admissible Claim Amount for each and every Claim
10. Policy has a Waiting Period of 24 months for Specified Diseases
11. Policy has a Waiting Period of 48 months for Pre-Existing Diseases
12. Policy has a Waiting Period of 48 months for Age-related Osteoarthritis & Osteoporosis
13. Premiums paid for Arogya Sanjeevani Policy are eligible for Section 80D Deductions of Income Tax Act, 1961
14. Policy offers lifetime renewability as long as premiums are paid on time

List of Modern Treatments covered under Arogya Sanjeevani Health Insurance Policy

Arogya Sanjeevani Health Insurance Policy provides coverage for the following:

1. Uterine Artery Embolization and HIFU (High intensity focused ultrasound
2. Balloon Sinuplasty
3. Deep Brain stimulation
4. Oral chemotherapy
5. lmmunotherapy- Monoclonal Antibody to be given as injection
6. Intra vitreal injections
7. Robotic surgeries
8. Stereotactic radio surgeries
9. Bronchical Thermoplasty
10. Vaporisation of the prostrate (Green laser treatment or holmium laser treatment)
11. ION M - (Intra Operative Neuro Monitoring)
12. Stem cell therapy: Hematopoietic stem cells for bone marrow transplant for haematological conditions to be covered.

Exclusions of Arogya Sanjeevani Health Insurance Policy

The Arogya Sanjeevani Insurance Policy excludes the following:

1. Pre-Existing Diseases: Arogya Sanjeevani Health Insurance Policy does not provide coverage for Pre-Existing Diseases before the waiting period of 48 months ends.
2. Diagnostic or Investigative Tests: Expenses incurred for Diagnostic tests or Investigative Tests are not covered.
3. Cosmetic Surgeries: Any expenses related to Cosmetic Treatments are not covered.
4. Change of Gender Treatments: Any expenses incurred for Change of Gender Treatments are not covered
5. War Related Injuries: Any hospitalsiation expenses incurred because of War are not covered
6. Hazardous or Adventure Sports: Any medical expenses incurred because of participation in Hazardous or Adventure Sports are not covered

What are the Benefits of Arogya Sanjeevani Policy?

The benefits of Arogya Sanjeevani Health Insurance Policy are given below:

1. Affordable Premiums: Arogya Sanjeevani Health Insurance Policy is a standard Health Insurance Plan launched by IRDAI where the premiums are much lesser than other health insurance plans. The low premiums of the Arogya Sanjeevani Policy make it an affordable plan for people who cannot afford the high premiums charged by Insurance Companies.
2. Lifetime Renewal: Arogya Sanjeevani Policy offers Lifetime Renewals if the Policyholder pays the premiums on time. This is a critical feature of allowing Policyholders to renew their plans without any age restrictions.
3. Tax Benefits: The Premiums paid Arogya Sanjeevani Insurance Policy is eligible for Section 80D Deductions. Policyholders can claim deductions on premiums paid for themselves, their spouses, children, and parents under Section 80D of Income Tax Act, 1961.
4. Low Co-Payment: Arogya Sanjeevani Policy has a low co-payment of 5%. The low co-payment percentage makes the plan an attractive option for Senior Citizens as most Senior Citizen Health Insurance Policies have high Co-Payments.

How to Buy Arogya Sanjeevani Health Insurance Policy?

The Arogya Sanjeevani Health Insurance Policy can be purchased online or offline from leading insurance companies and Brokers.

Arogya Sanjeevani Health Insurance Purchase Process

Go to the Website of Qian Insurance Broking at <www.qian.co.in> and click on Arogya Sanjeevani Policy under the Personal Insurance Tab. Fill in the Get a Free Quote Form by providing details like Name, Mobile Number and Email ID A Health Insurance Executive from our company will contact you, take relevant details and assist you with the complete buying process of Arogya Sanjeevani Health Insurance Policy. A medical examination may be required for people over 45 years to assess health status. Once the proposal is accepted, the Insurance Policy is issued after payment of premium.

How to Renew Arogya Sanjeevani Health Insurance Policy?

In order to renew your Arogya Sanjeevani Health Insurance Policy, a Health Insurance Executive from Qian will send the renewal notice to the registered Email ID. On confirmation, a payment link is sent, via which the Policyholder has to make the premium payment to renew the Policy.

How to file a Claim under Arogya Sanjeevani Policy?

The Policyholder can file a claim under the Arogya Sanjeevani Policy in 2 ways: Cashless Claims and Reimbursement Claims. Both the processes are explained in detail below

Cashless Claim Process for Arogya Sanjeevani Health Insurance Policy

The steps to avail Cashless Claim Settlement under Arogya Sanjeevani Health Insurance Policy are listed below

1. Identify a hospital which is a part of the network hospital of the Insurance Company
2. Intimate the Insurance Company of hospital admission and provide the relevant details like hospital’s name, address, and condition that requires hospitalization.
3. Fill out a Pre-Authorization Claim Form, which the hospital sends to the Insurance Company for approval. The hospital also sends the other relevant documents related to the treatment to the Insurance Company.
4. The Insurance Company reviews the documents and approves the claim if it is admissible
5. The Policyholder receives treatment without paying any money from his own pocket. The Hospital settles the bill directly with the Insurance Company.

Reimbursement Claim Process for Arogya Sanjeevani Health Insurance Policy

The steps to avail Reimbursement Claim Settlement under Arogya Sanjeevani Health Insurance Policy are listed below

1. Notify the Insurance Company of hospital admission as soon as possible. The Policyholder receives treatment at the hospital and pays the bill directly out of his own pocket.
2. The Policyholder now has to file for reimbursement of medical expenses with the Insurance Company. He obtains all necessary documents, including bills, receipts, discharge summaries, and medical reports from the hospital and submits the same to the Insurance Company along with a completed claim form.
3. The Insurance Company verifies the Claim Details, ask for additional documents if required and will approve or reject the Claim. After approval, the Claim Amount gets credited directly to the Bank Account of the Insured.

Documents Required to file a Claim under the Arogya Sanjeevani Insurance Policy

The Insured needs to submit the following documents to the Insurance Company to avail Reimbursement Claim Settlement under the Arogya Sanjeevani Policy:

1. ID Proof: A copy of the Insured’s ID proof (e.g., Aadhaar Card, Pan Card, Passport).
2. Claim Form: Duly filled and signed Claim Form provided by the Insurance Company.
3. Discharge Summary: A Discharge Summary mentioning the Treatment received and the duration of hospitalization.
4. Hospital Bills and Receipts: Original Hospital Bills and Payment Receipts, including break-up of charges.
5. Pharmacy Bills: Original bills for medicines purchased, along with prescriptions.
6. Doctor’s Prescription and Consultation Papers: Prescriptions and Consultation Papers from the treating doctor.
7. Pre- and Post-Hospitalization Bills: Bills and Receipts for expenses incurred before admission and after discharge from the hospital, as per the policy terms.
8. Diagnostic Reports: Original Diagnostic Test Reports (e.g., X-rays, Blood Tests) along with bills.
9. Bank Details: Bank Account Details for reimbursement (Cancelled Cheque)

Get Best Quotes for Arogya Sanjeevani Health Insurance Policy with Qian!

The Arogya Sanjeevani policy provides Health Insurance Coverage at very affordable premiums. It is one of the most affordable Health Insurance Plans with premiums starting at just Rs 282 for an individual aged 18 years for a Sum Insured of Rs 1 lakh. Arogya Sanjeevani Policy ensures financial protection against mounting hospital expenses so that an illness doesn’t burn a hole in your savings. To purchase Arogya Sanjeevani Health Insurance Policy with Qian, write to us at insurance@qian.co.in or call us on 022-35134695. We would be glad to assist you.