Aditya Birla Arogya Sanjeevani Health Insurance
Cashless Approval TAT | 2 hr Cashless Claim Processing |
Claim Settlement Ratio | 96% |
Network Hospitals | 10,500+ |
Pre-existing Disease Coverage Starting From | Day 1 |
Special Benefits | Incentivized Wellness |
Starting Premium for Rs. 5 lakh Coverage | Rs. 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
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FAQs on Arogya Sanjeevani Policy Health Insurance Plan
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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.
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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
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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.
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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.