New-Age Treatments Coverages Under Arogya Sanjeevani Policy

Launched on 1st April 2020 by the IRDAI, Arogya Sanjeevani Policy is a Standard Health Insurance Product. Available at every general and health insurance company, the Arogya Sanjeevani Policy aims to help people by offering a basic and standard plan that not only covers medical expenses due to hospitalization, but also treatment on account of COVID-19. A health insurance policy buyer can purchase the Arogya Sanjeevani Policy either on an individual or family floater sum insured basis. While the minimum entry age is 3 months, the maximum entry age for the policy is 65 years. Talking about the sum insured, ranges between Rs. 1 Lakh and Rs. 5 Lakh in multiples of Rs. 50,000.

One of the unique features of Arogya Sanjeevani Policy, the annual plan is that it provides cover for new-age treatments or modern treatments as well. Let us shed light on the same.

Modern Treatments Covered Under Arogya Sanjeevani Policy

If you are looking forward to undergoing modern treatments, the Arogya Sanjeevani Policy is the one to depend on. Arogya Sanjeevani Policy can provide you cover against expenses incurred on a total of 12 new-age or modern treatments.

Here is a list of all the 12 modern or new-age treatments that the Arogya Sanjeevani Policy covers:

• Stem Cell Therapy - Also referred to as Regenerative medicine, stem cell therapy is the use of stem cells to prevent a condition or disease. It is to be noted that under the Arogya Sanjeevani Policy, hematopoietic stem cells for conducting bone marrow transplants for hematological conditions are covered.
  
  
• Oral Chemotherapy - Oral chemotherapy is a type of cancer-treating drug, taken in the form of a capsule, pill, or liquid. It is highly effective in killing cancer cells.
  
  
• Deep Brain Stimulation - It is a neurological procedure that helps in treating movement disorders associated with Parkinson's disease (PD), dystonia, essential tremor, and other neurological conditions. The use of implanted electrodes and electrical stimulation is done in deep brain stimulation.
  
  
• Uterine Artery Embolization and HIFU - While uterine artery embolization is the procedure for the treatment of uterine fibroids and adenomyosis, HIFU is an intensity ultrasound, basically a non-invasive therapeutic technique that increases the flow of blood or lymph, or to destroy tissue by use of thermal and mechanical mechanisms.
  
  
• Immunotherapy - Immunotherapy is a cancer treatment type that helps your immune system in fighting cancer. Arogya Sanjeevani Policy provides cover for Monoclonal Antibodies to be given as injections.
  
  
• Balloon Sinuplasty - It is a type of endoscopic nasal surgery. Balloon sinuplasty is used for treating nose blockage and severe rhinosinusitis or sinus inflammation.
  
  
• Bronchial thermoplasty - Bronchial thermoplasty is a procedure performed in people with severe asthma. It is claimed that bronchial thermoplasty minimizes asthma attacks for a minimum of 5 years.
  
  
• Intra Operative Neuro Monitoring - IONM or Intra Operative Neuro Monitoring is performed to protect the nervous system. IONM protects patients by performing continuous brain, spinal cord, and nerve monitoring when the central nervous system is at risk during surgery.
  
  
• Intravitreal Injections - Efficient in treating eye problems, intravitreal injections are shots of medicine into the eye. During the procedure, a jelly-like fluid is filled in the inside of the eye.
  
  
• Robotic Surgeries - Robotic surgeries are surgical procedures performed using robotic systems. This surgery type is done to perform complex procedures with more control, precision, and flexibility as compared to conventional techniques.
  
  
• Vaporisation of the Prostate - Vaporisation of the prostate is a procedure in which a laser is used for vaporization or melting away of excess prostate tissue and enlarging the urinary channel. Please note that the Arogya Sanjeevani Policy provides cover for green laser treatment or holmium laser treatment.
  
  
• Stereotactic Radio Surgeries - SRS is a non-surgical radiation therapy that helps in treating functional abnormalities and small tumors of the brain. It makes use of multiple precisely focused radiation beams for treating tumors and other problems in the brain, neck, lungs, liver, spine, and other body parts.

Things to Note

Before you go ahead with the purchase of the Arogya Sanjeevani Policy for covering your new-age or modern treatment-related expenses, here are a few things that you should take into consideration:

• Modern or new-age treatments in this policy are covered under outpatient treatment.
• The cover for modern or new-age treatments is provided up to 50% of the maximum sum insured amount.

At Last

Arogya Sanjeevani Policy is a must for every individual looking forward to covering themselves for both basic and exclusive coverage at an affordable premium price under one of the best health insurance plans.

Must Read: How to Buy Aarogya Sanjeevani Policy Online?

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Disclaimer: This article is issued in the general public interest and is meant for general information purposes only. Readers are advised not to rely on the contents of the article as conclusive and should research further or consult an expert in this regard.