HomeIn MediaHealth NewsKnowing more about Arogya Sanjeevani health insurance policy

    Knowing more about Arogya Sanjeevani health insurance policy

    A health insurance policy is necessary for everyone to ensure financial stability. It involves different types that cater to the needs of a policyholder. However, customers should know about them in detail before purchasing a plan. When buying a new insurance plan from the markets, it is necessary to evaluate the features and other things in detail that help make the best decision. Arogya Sanjeevani policy is a standard health insurance plan introduced by IRDAI that offers coverage with several features. The policy offers a sum insured amount up to Rs.5 lakhs at low premium rates to gain more advantages.

    Reasons to buy Arogya Sanjeevani policy

    Arogya Sanjeevani’s health insurance plan aims at simplifying common benefits for common people when they want to cover high medical expenses. A person can buy this policy at affordable rates that will help accomplish goals in the coverage process.

    Here are some reasons why customers should consider purchasing the plan.

    1. Coverage for Covid-19 hospitalization

    Covid-19 hospitalization expenses are high and not everyone can afford them easily. Arogya Sanjeevani health insurance provides coverage for Covid-19 expenses to ensure high safety to a family. The health policy allows a policyholder to get protection from Covid-19 that will help experience peace of mind.

    2. Hospital Expenses

    The policy offers coverage for hospital expenses such as room rent, nursing fees, doctor’s fees, surgeon’s fees, and bed charges. It allows a policyholder to claim the amounts for treatment expenses incurred during hospitalization. Moreover, the policy provides coverage up to 2% of the sum insured subject to a maximum of Rs.5000 per day of hospitalization (for more than 24 hours).

    3. Daycare Treatment Coverage

    Policyholders can get coverage for daycare expenses under this policy which requires less than 24 hours of hospitalization. They can claim medical costs up to 50% of the sum insured while undergoing treatment with technological advancements.

    4. AYUSH Treatment

    AYUSH is a new feature added in the policy that offers coverage for patients who want to choose alternative treatment options. The plan enables policyholders to select anyone from Ayurveda, yoga, Unani, Siddha, and Homeopathy treatment.

    5. Pre and Post Hospitalization

    The plan offers coverage for pre and post-hospitalization with 30 days and 60 days waiting period.

    6. ICU/ICCU Charges

    Arogya Sanjeevani policy offers coverage for ICU/ ICCU charges up to 5% of the sum insured to a maximum of Rs.10,000 per day.

    7. Coverage for Cataract Treatments

    The plan provides coverage for cataract treatments allowing a policyholder to manage medical expenses with ease. It offers an amount up to a maximum limit of Rs.40,000 or up to 25% of the sum insured whichever is possible.

    8. Modern Treatment Coverage

    The health insurance plan offers coverage for various modern technology treatments such as Balloon Sinuplasty, Deep brain stimulation, oral chemotherapy, robotic surgery, stem cell therapy, etc.

    9. Ambulance Coverage

    A policyholder will get ambulance coverage up to Rs.2000 per hospitalization that will help to reduce the financial burden.

    10. Home Treatment Expenses

    The policy offers home treatment expenses for policyholders under the recommendation of a doctor when a hospital is not able to provide accommodation due to the unavailability of rooms.

    11. Cumulative Bonus

    Policyholders will get rewards for not claiming this policy. The cumulative bonus offered by the plan will increase 5% for each claim-free year that gives ways to ensure a high sum insured amount.

    12. Minimum Co-Payment

    The policy has a 5% co-payment on all the claims that will save more money. It provides ways to claim the remaining sum insured amounts as soon as possible.

    Who should buy Arogya Sanjeevani health insurance plan?

    The plan is suitable for individuals and families to get maximum protection from high medical expenses to witness peace of mind.

    Health Insurance Policy
    Getting a Health Insurance Policy for your whole family

    First-time insurance buyers can select this policy because it provides ways to manage financial crunches. It is a lifelong renewability plan with no maximum age limit enabling policyholders to lead a problem less life. A policy buyer can even save taxes by availing deductions on paid premiums. Buying this plan helps to mitigate the burden of medical bills and other expenses significantly.

    Where to buy Arogya Sanjeevani health insurance policy?

    Customers who want to buy Arogya Sanjeevani health insurance policy should consider selecting a reputed insurer in the markets. Care Health Insurance offers the plan at low prices that will help reduce expenses to a large extent. The company enables a person to purchase a policy online in simple steps. A free look period of 15 days is available for those when they want to buy this plan. Those who are looking for a reliable health insurance plan can contact the company for meeting the essential needs. At the same time, it is wise to read the terms and conditions while purchasing the plan online to minimize unwanted problems.

    David Novak
    David Novak
    For the last 20 years, David Novak has appeared in newspapers, magazines, radio, and TV around the world, reviewing the latest in consumer technology. His byline has appeared in Popular Science, PC Magazine, USA Today, The Wall Street Journal, Electronic House Magazine, GQ, Men’s Journal, National Geographic, Newsweek, Popular Mechanics, Forbes Technology, Readers Digest, Cosmopolitan Magazine, Glamour Magazine, T3 Technology Magazine, Stuff Magazine, Maxim Magazine, Wired Magazine, Laptop Magazine, Indianapolis Monthly, Indiana Business Journal, Better Homes and Garden, CNET, Engadget, InfoWorld, Information Week, Yahoo Technology and Mobile Magazine. He has also made radio appearances on the The Mark Levin Radio Show, The Laura Ingraham Talk Show, Bob & Tom Show, and the Paul Harvey RadioShow. He’s also made TV appearances on The Today Show and The CBS Morning Show. His nationally syndicated newspaper column called the GadgetGUY, appears in over 100 newspapers around the world each week, where Novak enjoys over 3 million in readership. David is also a contributing writer fro Men’s Journal, GQ, Popular Mechanics, T3 Magazine and Electronic House here in the U.S.

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