Liberty Arogya Sanjeevani Health Insurance
Claim Settlement Ratio | 97% |
COVID-19 Cover | yes |
Network Hospitals | 6,000 |
Pre-existing Disease Waiting Period | 2 years |
Renewability | yes |
Starting Premium of Rs. 5 lakhs SI | Rs. 526/month |
About Liberty Arogya Sanjeevani Health Insurance
Arogya Sanjeevani Policy, Liberty General Insurance is a standard health insurance policy that is not only easy to understand but also offers adequate cover for major healthcare expenses. The policy can be purchased on an individual or family floater sum insured basis, for sum insured options ranging between Rs. 1 Lakh and Rs. 5 Lakh (in multiples of Rs. 50,000). It is an annual policy that comes with lifetime renewability benefits. You can be the Proposer for this policy if you are aged at least 18 years. The maximum entry age for this policy is 65 years. You can also add dependent children under the policy if they are aged between 3 months and 25 years. Other members that you can under the policy include a legally wedded spouse, parents, and parents-in-law. Note that maximum 3 children can be covered under the policy on a family floater basis.
Arogya Sanjeevani Policy, Liberty General Insurance comes with a wide range of coverage benefits such as in-patient hospitalisation expenses, pre-hospitalisation expenses, post-hospitalisation expenses, treatments taken under AYUSH systems of medicines, road ambulance expenses, plastic surgery and dental treatments, cataract surgery, new age treatments, etc. Other benefits offered under the policy include tax benefits under Section 80D of the Income Tax Act, 1961, renewability benefits, cumulative bonus, etc. All in all, the policy is a good option for people looking for COVID-19 cover, people looking for basic and affordable health insurance cover, and the ones who are buying health insurance for the first time.
Read more: Arogya Sanjeevani Policy
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Key Inclusions and Exclusions of the Plan
What's Included
- In-patient hospitalisation expenses
- 30 days pre-hospitalisation and 60 post-hospitalisation expenses
- Treatments taken under AYUSH systems of medicines
- Daycare treatments
- Emergency road ambulance expenses for up to Rs. 2,000 per hospitalisation
- Expenses related to new age treatments
What's Not Included
- Outpatient treatment expenses
- Domiciliary hospitalisation expenses
- Dietary supplements that can be purchased without prescription
- Admission for the purpose of investigation and evaluation
- Treatments required due to participation in adventure sports like mountain climbing
- Treatment taken outside India
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FAQs on Arogya Sanjeevani Policy Health Insurance Plan
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What are the waiting periods under Arogya Sanjeevani Policy, Liberty General Insurance?
Arogya Sanjeevani Policy, Liberty General Insurance comes with the following waiting periods:
- Initial waiting period of 30 days from the date of policy policy start
- Waiting period of 24 months and 48 months for specific diseases
- Waiting period of 48 months for pre-existing illnesses
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Can I avail tax benefits under Arogya Sanjeevani Policy offered by Liberty General Insurance?
Yes. You can avail tax benefits on the premium paid for Arogya Sanjeevani Policy offered by Liberty General Insurance, under Section 80D of the Income Tax Act, 1961.
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Will I be required to undergo pre-medical check-up for this policy?
There is no requirement of pre-medical check-up under Arogya Sanjeevani Policy for people aged up to 45 years who have no medical history.
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Does Arogya Sanjeevani Policy offer cumulative bonus?
Yes. If covered under Arogya Sanjeevani Policy, you can avail cumulative bonus of 5% for every year a claim is not made, for a maximum of 50%.