New India Arogya Sanjeevani Health Insurance

The Arogya Sanjeevani Policy is a type of health insurance provided by the Insurance Regulatory and Development Authority of India (IRDA). It's a standard policy that helps cover your medical expenses, and it's not too expensive. You can buy it for yourself or your family, with coverage options ranging from Rs. 50,000 to Rs. 10 lakhs, in multiples of Rs. 50,000.

If you're buying it just for yourself, only you can benefit from it. If you're getting it for your family, you can include your spouse, dependent children, parents, and parents-in-law. The co-payment, which is the amount you have to pay, is low at 5%, so it won't be a big financial burden.

You can get this policy from New India Assurance if you're between 18 and 65 years old. If you're getting the family plan, your kids aged between 3 months and 25 years can be included. However, if your child is over 18 and financially independent, they can't be covered.

The policy covers various medical expenses, including hospitalisation, both before and after, daycare procedures, treatments under the AYUSH system, ambulance costs, and modern treatments. Let's learn about this policy in detail.

New India Arogya Sanjeevani Health Insurance At a Glance

Highlights of New India Arogya Sanjeevani Health Insurance are mentioned below in the table:

Coverage	Individual and Family Floater
Sum Insured	Rs. 50,000 to 10 lakhs
Key features	Cumulative Bonus, Minimum Co-Pay
Policy Tenure	1 Year
Inclusion	Room Rent, Cataract Surgery, etc.
Exclusion	Plastic Surgery, Gender Change Treatment, and more

Key Features of New India Arogya Sanjeevani Health Insurance Plan

The following are the key features of this health insurance policy:

• Coverage Amount: You can choose the amount of coverage you want, ranging from Rs. 50,000 to 10 lakhs. You can pick any amount in multiples of Rs. 50,000 that suits your needs.
• Lifetime Renewal: This policy is designed to stick with you for a long period. You can renew it for your entire life, ensuring continuous coverage when you need it.
• Plan Options: You have two options to choose from based on your needs i.e. Individual Plan, which is just for you, and the Family Floater Plan which covers you, your spouse, children, parents, and parents-in-law - your whole family.
• In-Patient Hospitalisation Cover: The policy takes care of your expenses when you need to stay in the hospital for treatment. This includes the costs of being admitted and getting the care you need.
• Cumulative Bonus: If you don't make any claims in a year, you get a little bonus. They call it a "Cumulative Bonus," and it's 5% of your coverage amount.
• Minimum Co-payment: If you have to pay a little part of the medical bills, it won't be too much. The policy has a "Minimum Co-pay" of 5%, which means you only need to contribute a small percentage, making it easier on your wallet.
• Initial Waiting Period: For the first 30 days after getting the policy, no claims will be paid. It's a waiting period.
• Specific Waiting Periods: 24 months waiting period for conditions like Benign ENT disorders, Sinus, Cataract, age-related eye illnesses, Non-infective arthritis, tympanoplasty, Polyps, Gastric ulcer, Rheumatism, Gout, Tonsillectomy, Mastoidectomy, cysts, and Spinal diseases (except for accidental cases). And, 48-month waiting period is applicable for conditions like Joint replacement treatment (unless it's from an accident), Osteoporosis, etc, and also for pre-existing Diseases.

Eligibility Criteria of New India Arogya Sanjeevani Health Insurance

The eligibility criteria for the New India Arogya Sanjeevani Health Insurance are as follows:

Parameters	Eligibility Criteria
Minimum entry age	Adult: 18 years Child: 3 months
Maximum entry age	Adult: 65 years Child: 25 Years
Number of people covered	Self, Spouse, Children, Parents, and Parent-in-laws
Residential Status	Policyholder must be a resident of India

Benefits of New India Arogya Sanjeevani Health Insurance Plan

The Arogya Sanjeevani Policy comes with several benefits that are described below:

• Flexible Coverage Options: You can choose a sum insured ranging from Rs. 50,000 to 10 lakhs, allowing flexibility to match your health needs.
• Lifetime Renewability: The policy offers the convenience of lifetime renewability, ensuring you can continue to enjoy coverage throughout your life
• Individual and Family Options: You have the choice between an individual plan, covering only you, or a family floater plan, extending coverage to your spouse, children, parents, and parents-in-law.
• In-Patient Hospitalisation Cover: The policy covers expenses related to in-patient hospitalisation, providing financial support when you need medical care that requires a hospital stay.
• Cumulative Bonus: For every claim-free year, you accumulate a 5% bonus on the coverage amount. This incentive rewards you for maintaining good health.
• Minimum Co-payment: The policy features a minimum co-payment of 5%, ensuring that even if you need to contribute a small percentage of the medical expenses, it won't be burdensome.
• Coverage for Advanced Treatments: Advanced and specialised treatments, including Uterine Artery Embolisation, HIFU, Balloon Sinuplasty, and more, are covered up to 50% of the sum insured.
• Pre and Post-Hospitalisation Coverage: Pre-hospitalisation expenses up to 30 days before hospitalisation and post-hospitalisation expenses up to 60 days after discharge are covered, ensuring a holistic coverage approach.

Inclusions of New India Arogya Sanjeevani Health Insurance

Inclusions of the New India Arogya Sanjeevani Health Insurance are mentioned below:

• Room Rent and ICU/ICCU Coverage: Room rent covered up to 2% of the sum insured, with a maximum of Rs. 5,000. Whereas, ICU/ICCU expenses covered up to 5% of the sum insured, with a maximum of Rs. 10,000.
• Family Coverage: Dependent spouses, children, parents, and parents-in-law can be covered under the policy.
• Cataract Surgeries: Cataract surgeries covered up to 25% of the sum insured, with a maximum of Rs. 40,000.
• Ayush Treatments: Ayush treatments are covered up to the sum insured.
• Specialised Treatments: Coverage for treatments related to HIV, Mental Illness, and Genetic Disorders.
• Cumulative Bonus: Cumulative bonus available at a rate of 5% for every claim-free year, up to a maximum of 50%.
• Advance Treatments Coverage: The expenses related to advanced treatments are covered up to 50% of the sum insured.
• Dental Treatment Coverage: Dental treatment due to disease or injury is covered.
• Pre and Post Hospitalisation: Pre-hospitalisation and post-hospitalisation expenses are covered up.

Exclusions of New India Arogya Sanjeevani Health Insurance Plan

Some of the many exclusions in the New India Arogya Sanjeevani Health Insurance plan are as follows:

• Expenses for diagnostics and evaluation purposes.
• Costs related to enforced bed rest without treatment, including custodial care and services for terminally ill individuals.
• Surgical treatment of obesity without meeting specified conditions.
• Treatments for changing the gender.
• Cosmetic or plastic surgery unless for reconstruction after an accident, burn, or cancer, is certified as medically necessary.
• Medical expenses arising from participation in hazardous or adventure sports.
• Treatment expenses resulting from a breach of law with criminal intent.
• Treatment from providers specifically excluded by the insurer.
• Alcoholism, drug or substance abuse, and related conditions.
• Treatments in health hydros, nature cure clinics, spas, or similar establishments for domestic reasons.
• Expenses for correcting eyesight due to refractive error less than 7.5 dioptres.

Documents Required to Buy New India Arogya Sanjeevani Health Insurance

You will need the following documents:

• Application form.
• Aadhar card
• Passport
• Voter ID
• Driver's license.
• Birth Certificate
• Utility Bills or Rental Agreement (for Address proof)
• Passport-sized photos.
• Health check-up reports (in some cases only)
• Any other documents the insurance company asks for

How to Buy New India Arogya Sanjeevani Health Insurance?

To buy the New India Arogya Sanjeevani Insurance Plan, you need to follow the steps below:

Step 1: Open the InsuranceDekho website.

Step 2: Click on the "Health Insurance” tab.

Step 3: Select "New India Insurance" from the list of health insurance companies.

Step 4: Now, choose the " Arogya Sanjeevani" plan from the list of options.

Step 5: Make sure you read the policy document carefully.

Step 6: Upload the required documents for verification.

Step 7: Next, you need to pay the medical insurance premium online.

Step 8: You'll finally receive the policy document via email.

Claim Process for New India Arogya Sanjeevani Health Insurance

Below are the ways to claim your New India Arogya Sanjeevani Insurance policy:

Cashless Claim

• Visit a hospital partnered with New India Assurance.
• Provide Arogya Sanjeevani plan details and other information.
• Submit necessary documents for claim settlement.
• The insurance company will pay the hospital directly.

Reimbursement Claim

• Choose a New India Assurance network hospital.
• Pay medical bills at the hospital.
• Request a reimbursement claim on the insurance company's website.
• Submit the Arogya Sanjeevani claim form and related information.
• The insurance company will review and reimburse your medical expenses.