ICICI Lombard Arogya Sanjeevani Health Insurance
Cashless Approval TAT | 2 hr Cashless Claim Processing |
Claim Settlement Ratio | 99.70% |
Network Hospitals | 7,500+ |
Pre-existing Disease Waiting Period | 2 year |
Special Benefits | Anywhere Cashless |
Starting Premium for Rs. 5 lakh SI | Rs. 581/month |
About ICICI Lombard Arogya Sanjeevani Health Insurance
Arogya Sanjeevani Policy offered by ICICI Lombard General Insurance Company Limited is a standard health insurance policy that covers you and your family against healthcare expenses arising due to hospitalisation for more than 24 hours. Anyone between the age group of 18 years-65 years can purchase this policy on an individual or floater basis to secure their basic health requirements. It is an ideal choice for you if you want to extend health insurance benefits for your family members too. Apart from self, you can add a legally-wedded spouse, dependent children, dependent parents, and dependent parents-in-law under this policy. Sum insured options for this plan begin at Rs. 1 lakh and go till Rs. 5 lakh (in multiples of Rs. 50,000), which you can choose as per your requirement. The best thing about this policy is that it allows you to pay the premium in monthly, half-yearly, quarterly, and yearly installments. The policy is available for a term of one year and there is no restriction on the maximum age for renewal.
In order to provide maximum satisfaction to the policyholders, the policy is loaded with several benefits. Some of them include: cumulative bonus between 5%-50%, free look period, grace period, benefit of cashless hospitalisation as well as reimbursement, cover for in-patient hospitalisation expenses, cover for plastic surgery (if necessitated due to disease or injury), and tax benefits under Section 80D of the Income Tax Act, 1961. Also, the policy comes at minimum co-payment of 5% which is applicable on all admissible claims.
Read more: Arogya Sanjeevani Policy
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Key Inclusions and Exclusions of the Plan
What's Included
- Expenses related to daycare treatments
- Cover for cataract treatment up to a specific limit
- Expenses incurred on AYUSH systems of medicine
- Dental treatment necessitated due to any disease or injury
- Pre and post-hospitalisation expenses for 30 and 60 days respectively
- Expenses incurred on road ambulance up to Rs. 2,000 per hospitalisation
What's Not Included
- Expenses related to treatment for childbirth
- Cover for domiciliary hospitalisation expenses
- Cover for expenses incurred on OPD treatments
- Treatment for drugs, alcoholism, or any addictive substance
- Any treatment taken outside the geographical boundaries of India
- Expenses related to plastic surgery unless required because of an accident
4280 ICICI Lombard Cashless Network Hospitals in India
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FAQs on Arogya Sanjeevani Policy Health Insurance Plan
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What is the entry age for ICICI Lombard Arogya Sanjeevani Policy?
ICICI Lombard Arogya Sanjeevani policy can be purchased by people aged between 18 years and 65 years. People aged more than that can buy the policy for family, without covering themselves.
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Can children be also included under ICICI Lombard Arogya Sanjeevani Policy?
Yes. Children can also be included under ICICI Lombard Arogya Sanjeevani Policy if they are aged between 3 months to 25 years. If the child aged above 18 years is financially independent, then he/she will be ineligible for coverage in the subsequent renewals.
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Is pre-policy medical check-up required under ICICI Lombard Arogya Sanjeevani Policy?
Pre-policy medical tests are not required under ICICI Lombard Arogya Sanjeevani Policy if purchased below 45 years of age. However, if you are aged 45 years or above, then you will have to undergo medical tests at any network hospital or diagnostic center. If the company accepts your proposal, then it will reimburse 100% of the cost incurred in these tests.
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What is the policy term for ICICI Lombard Arogya Sanjeevani Policy?
The policy term for ICICI Lombard Arogya Sanjeevani Policy is one year. The policy needs to be renewed every year.