What are the key features of Arogya Sanjeevani Policy, HDFC Ergo?

Given below are the key features of Arogya Sanjeevani Policy, HDFC Ergo: Covers entire family under a single policy Wide range of sum insured from Rs. 1 Lakh to Rs. 5 Lakh Premium payment: Annually, Monthly, Quarterly, or Half-yearly instalments Cumulative Bonus for every claim-free year, up to a specific limit Cashless or reimbursement facility Co-payment of 5% for all claims

What are the sum insured options available under Arogya Sanjeevani Policy, HDFC Ergo?

Sum insured options available under Arogya Sanjeevani Policy, HDFC Ergo are of- 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.

What is the policy term for Arogya Sanjeevani Policy, HDFC Ergo?

The policy term for Arogya Sanjeevani Policy, HDFC Ergo is one year only, the policy needs to be renewed annually.

What are the eligibility criteria for the Proposer under Arogya Sanjeevani Policy, HDFC Ergo?

Anyone who is aged between 18 years to 65 years can be the Proposer of this plan. The Proposer if aged above 65 years, can purchase the policy for family, but without covering self.

Who all can be covered under this policy?

The policy can cover Self and the following members of the family: Legally wedded Spouse Parents and Parents-in-law Dependent children who are natural or legally adopted and are aged between 3 months and 25 years. A financially independent child will be ineligible for subsequent renewals after 18 years of age.

Is pre-policy check-up cost for this policy covered by the insurer?

No. The customer has to pay for the pre-policy medical tests at the network hospitals Diagnostic Centers. If the proposal gets accepted, then the insurer will reimburse 50% of the cost on acceptance. In case the proposal is declined, then no reimbursement will be made.

Can I purchase this policy if I am an NRI?

Yes. Non-Resident Indians can also purchase this policy provided they pay the premium in Indian currency and through Indian Bank Account only. The customer must be in India when purchasing the policy.

Is there any co-payment clause under this policy?

Yes. 5% co-payment is applicable for all admissible claims under this policy.

What all expenses are covered during hospitalisation?

The policy covers all the expenses during hospitalisation such as bed charges, blood tests, nursing expenses, and Consultation fees. The policy also covers ICU charges and room rent charges up to a specific limit.

Is there any limit on the road ambulance cover?

Yes. The policyholders can avail ambulance facilities for up to Rs. 2,000 per hospitalisation under this policy.

HDFC ERGO Arogya Sanjeevani Health Insurance Wordings

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Highlights

Cashless Approval TAT	Within 37 mins
Claim Settlement Ratio	99.80%
Network Hospitals	13,000+
PED Coverage Starting From	3 year
Special Benefits	2X Cover from Day 1
Starting Premium	Rs. 1090/month

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HDFC ERGO Arogya Sanjeevani Policy Brochure

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Apr 14, 2020

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HDFC ERGO Health Insurance Plan List

Family (3)
Individual (4)
Cancer (1)
Critical Illness (2)
Diabetes (1)
Parents (1)
Senior Citizen (1)

Name of Plan	Sum Insured
Optima SecureMin: 91 Days, Max: 65 YearsPopular		Check Premium
Optima RestoreMin: 91 Days, Max: 65 YearsPopular	3 Lakh	Check Premium
my: health SurakshaMin: 91 Days; Max: No LimitPopular	3 Lakh	Check Premium
Health Suraksha Top-Up Plus PolicyMin: 91 days; Max: 65 years	3 Lakh - 10 Lakh	Check Premium
my:Health Women Suraksha PolicyMin: 18 years; Max: 45 years	1 Lakh - 1 Crore	Check Premium
Dengue Care Policy Min: 91 Days; Max: 65 years	50 Thousand - 1 Lakh	Check Premium
Easy Health PolicyMin: 91 days; Max: 65 years	1 Lakh - 50 Lakh	Check Premium
my:Health Koti SurakshaMin: 18 years; Max: 65 years		Check Premium
Maxima PolicyMin: 91 Days; Max: 65 years		Check Premium
Day2Day Care PolicyMin: 91 Days; Max: 65 years		Check Premium
iCan CancerMin: 5 Years; Max: 65 Years	5 Lakh	Check Premium
Health WalletMin: 91 Days; Max: 65 Years	3 Lakh	Check Premium
EnergyMin: 18 Years, Max: 65 Years	2 Lakh	Check Premium
Optima SeniorMin: 61 Years; Max: No Limit	2 Lakh	Check Premium
Corona Kavach PolicyMin: 1 day ; Max: 65 years	50,000 - 5 lakh	Check Premium
Arogya Sanjeevani PolicyMin: 3 months; Max: 65 years	1 Lakh - 5 Lakh	Check Premium
Critical Illness PlanMin: 5 Years; Max: 65 Years	5 Lakh	Check Premium

HDFC ERGO Health Insurance Top Up List

Top-up (4)
Family (1)
Individual (1)

Name of Plan	Sum Insured
Optima PlusMin: 91 Days; Max: 65 YearsPopular	5 Lakh	Check Premium
my: Health Medisure Super Top-upMin: 3 Months; Max: 65 YearsPopular	3 Lakh	Check Premium
Optima SuperMin: 91 Days; Max: 65 Years	5 Lakh	Check Premium

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FAQs on Arogya Sanjeevani Policy Health Insurance Plan

What are the key features of Arogya Sanjeevani Policy, HDFC Ergo?
Given below are the key features of Arogya Sanjeevani Policy, HDFC Ergo:

Covers entire family under a single policy

Wide range of sum insured from Rs. 1 Lakh to Rs. 5 Lakh

Premium payment: Annually, Monthly, Quarterly, or Half-yearly instalments

Cumulative Bonus for every claim-free year, up to a specific limit

Cashless or reimbursement facility

Co-payment of 5% for all claims
What are the sum insured options available under Arogya Sanjeevani Policy, HDFC Ergo?
Sum insured options available under Arogya Sanjeevani Policy, HDFC Ergo are of- 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.
What is the policy term for Arogya Sanjeevani Policy, HDFC Ergo?
The policy term for Arogya Sanjeevani Policy, HDFC Ergo is one year only, the policy needs to be renewed annually.
What are the eligibility criteria for the Proposer under Arogya Sanjeevani Policy, HDFC Ergo?
Anyone who is aged between 18 years to 65 years can be the Proposer of this plan. The Proposer if aged above 65 years, can purchase the policy for family, but without covering self.
Who all can be covered under this policy?
The policy can cover Self and the following members of the family:

Legally wedded Spouse

Parents and Parents-in-law

Dependent children who are natural or legally adopted and are aged between 3 months and 25 years. A financially independent child will be ineligible for subsequent renewals after 18 years of age.
Is pre-policy check-up cost for this policy covered by the insurer?
No. The customer has to pay for the pre-policy medical tests at the network hospitals Diagnostic Centers. If the proposal gets accepted, then the insurer will reimburse 50% of the cost on acceptance. In case the proposal is declined, then no reimbursement will be made.
Can I purchase this policy if I am an NRI?
Yes. Non-Resident Indians can also purchase this policy provided they pay the premium in Indian currency and through Indian Bank Account only. The customer must be in India when purchasing the policy.
Is there any co-payment clause under this policy?
Yes. 5% co-payment is applicable for all admissible claims under this policy.
What all expenses are covered during hospitalisation?
The policy covers all the expenses during hospitalisation such as bed charges, blood tests, nursing expenses, and Consultation fees. The policy also covers ICU charges and room rent charges up to a specific limit.
Is there any limit on the road ambulance cover?
Yes. The policyholders can avail ambulance facilities for up to Rs. 2,000 per hospitalisation under this policy.

View More Questions

Claim Process at HDFC ERGO 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 24 hours and for planned hospitalisation intimate within 48 hours 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 24 hours and for planned hospitalisation intimate within 48 hours 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.