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Aditya Birla Arogya Sanjeevani Health Insurance

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Aditya Birla Health Insurance
Arogya Sanjeevani Policy
Cashless Approval TATWithin 2 hours
Claim Settlement Ratio96%
Network Hospitals11,000+
Pre-existing Disease Coverage Starting FromDay 1
Special BenefitsIncentivized Wellness
Starting Premium for Rs. 5 lakh CoverageRs. 270/month

About Aditya Birla Arogya Sanjeevani Health Insurance

Arogya Sanjeevani Policy is an indemnity-based medical insurance policy that is developed by the IRDAI and provided by Aditya Birla Health Insurance. It is an affordable policy that works best for you and your family. It is a simplified health insurance product that covers the insured against medical expenses for hospitalisation arising due to any illness, sickness, disease, or accident. The plan covers Self, legally wedded Spouse, Dependent Children, Parents, and Parents-in law on an individual or floater basis. Dependent children (naturally or adopted) can also be added under this policy if they are aged between 3 months and 25 years.

To be the Proposer for this policy, you must be aged between 18-65 years. The policy offers you a wide range sum insured options between Rs. 1 Lakh to Rs. 5 Lakh (in multiples of 50,000). Available for a term of 1 year, this policy needs to be renewed annually. A highlight of this policy is that apart from the basic coverage, it also covers expenses related to infections. The policyholders get many other benefits under this policy including cover for all daycare treatments (that require less than 24-hour of hospitalisation), a cumulative bonus of 5% for every claim-free year (up to a specific limit), in-patient hospitalisation expenses, and new-age treatments such as robotic surgeries, oral chemotherapy, and balloon sinuplasty. A co-payment of 5% is applicable on all admissible claims under this policy.

Read more: Arogya Sanjeevani Policy

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Key Inclusions and Exclusions of the Plan

What's Included

  • 30 days pre and 60 days post-hospitalisation expenses
  • Expenses for Cataract treatment subject to a specific limit
  • In-patient expenses for AYUSH treatments for up to sum insured limit
  • Expenses related to hospitalisation due to coronavirus disease
  • Dental treatment or plastic surgery necessitated due to an injury or disease
  • Road ambulance cover for up to Rs. 2,000 per hospitalisation

What's Not Included

  • Any treatment availed outside the geographical boundaries of India
  • Expenses related to dietary supplements such as vitamins
  • Any expense related to change of gender treatment including surgical management
  • Expenses arising due to treatment of alcohol, or any substance abuse
  • Expenses incurred on OPD treatment or domiciliary hospitalisation
  • Expenses towards miscarriage or unlawful medical termination of pregnancy

10849 Aditya Birla Cashless Network Hospitals in India

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Arogya Sanjeevani Policy User Reviews

4.7
Rating based on
468 User reviews
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What users are saying
  • All
  • Convenient purchase of Arogya ...

    I came to know about the benefits of the Arogya Sanjeevani Policy from a relative and was eager to get it for my family. I landed on InsuranceDekho and checked whether I was eligible to buy the policy. Then I went ahead with the purchase. I chose the plan offered by Aditya Birla Health Insurance company.

    Read More

    S
    By Sucharita Banerjee
    On: Feb 10, 2021
  • Information on Arogya Sanjeeva...

    I landed on InsuranceDekho and got to know about a standard health insurance plan called Arogya Sanjeevani Policy. I realised that I was eligible to apply for the health plan. I checked the coverages and key features of the plan provided by Aditya Birla Health Insurance company and purchased it.

    Read More

    U
    By Udit Ganguly
    On: Dec 30, 2020
  • Very much satisfactory

    The coverage features under this plan are very much satisfactory. I got cover for my entire family at an affordable premium under this plan for many expenses like pre and post hospitalisation expenses, cover for all daycare procedures, road ambulance cover, pre and post hospitalisation expenses, etc.   

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    J
    By Jitender Singh
    On: May 21, 2020
  • Knowledgeable experts

    I dint not know much about health insurance but was looking for a plan for myself and my family of 4. I got lucky that this plan has been launched recently and is available at an affordable premium. So I didn't wait for long and brought it immediately. Nice experience!!   

    Read More

    S
    By Surbhi Mehta
    On: May 21, 2020
  • Very easy to understand

    The plan not only has many coverage features, but is also easy to understand even for those who have little knowledge of health insurance. I read about this on InsuranceDekho and found it suitable, then got an estimate of premium from the premium calculator. I paid premium easily online.        

    Read More

    S
    By Sanjay Singhania
    On: May 20, 2020
View All Arogya Sanjeevani Policy Reviews

Aditya Birla Arogya Sanjeevani Policy Brochure

  • 543.86 KB
  • PDF Document
  • May 07, 2020
Download PDF

Claim Process at Aditya Birla Health Insurance

  • Network Hospital
  • Non-Network Hospital
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation within 48 hours and for planned hospitalisation intimate within 3 days prior to admission.
  • 3

    Claim Processing

    Fill in the pre-authorisation form and hand it over to hospital's insurance/TPA desk to initiate claim request.
  • 4

    Claim Settlement

    Once your request is approved, claim is settled. If not approved, claim for reimbursement after discharge.
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation within 48 hours and for planned hospitalisation intimate within 3 days prior to admission.
  • 3

    Claim Processing

    Submit claim form with original documents such as doctor’s reports, hospital bills, diagnostic tests, etc.
  • 4

    Claim Settlement

    Once your request for reimbursement of expenses is approved, the claim will be settled.

FAQs on Arogya Sanjeevani Policy Health Insurance Plan

  • What is the age criteria to buy this policy?

    To be the Proposer of this policy, you must be aged between 18 years and 65 years. If you are aged above 65 years, then you can buy this policy for family, without covering yourself.

  • Who all can be covered under this policy?

    You can cover Self, legally wedded Spouse, Dependent Children, Parents, and Parents-in law under this policy.

  • What are the sum insured options under this policy?

    Sum insured options under the policy are-Rs. 1 Lakh, Rs. 1.5 Lakh, Rs. 2 Lakh, Rs. 2.5 Lakh, Rs. 3 Lakh, Rs. 3.5 Lakh, Rs. 4 Lakh, Rs. 4.5 Lakh, and Rs. 5 Lakh

  • Can I pay the premium in instalments for this policy?

    Yes. You can pay the premium for this policy in Monthly, Quarterly, Half-yearly, or Annual instalments.

  • Is there any limit on cover for room rent under this policy?

    Yes. Room rent expenses are covered up to 2% of the sum insured up to a maximum of Rs. 5,000 per day. 

  • Are plastic surgery and dental treatments covered under this policy?

    Yes. Plastic surgery and dental treatments arising due to a disease or an injury are covered under this policy. 

  • What is the grace period allowed under this policy?

    A grace period of 30 days is allowed in case of yearly payment mode. For every other mode, a grace period of 15 days is allowed.

  • Can I avail of tax benefits for the premium paid under this policy?

    Yes. You can enjoy tax benefits on the premium paid under this policy under Section 80D of the Income Tax Act, 1961. 

  • What is the free look period offered under this policy?

    You get a free look period of 15 days under this policy. 

  • What is the policy period for Arogya Sanjeevani Policy, Aditya Birla Health Insurance Company Limited?

    The policy period for Arogya Sanjeevani Policy, Aditya Birla Health Insurance Company Limited is of one year. 

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