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Raheja QBE Arogya Sanjeevani Health Insurance

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Raheja QBE Health Insurance
Arogya Sanjeevani Policy
Claim Complaints Ratio80%
Claim SettlementDedicated Team
COVID-19 CoverYes
Network Hospitals5,000+
Policies Sold135
Renewability Lifelong Renewability

About Raheja QBE Arogya Sanjeevani Health Insurance

Arogya Sanjeevani Policy, Raheja QBE General Insurance is a standard health insurance policy that offers cover for basic healthcare expenses to individuals and families. It is a simplified policy that comes with easy-to-understand benefits that offer coverage on individual sum insured as well as family floater sum insured basis. It covers people aged between 18 years and 65 years including dependent children aged between 3 months and 25 years as well, if covered under a family floater basis. The policy can be purchased for a term of 1 year, for sum insured options ranging between Rs. 1 Lakh and Rs. 5 Lakh, in multiples of Rs. 50,000. However, the policy comes with lifetime renewability benefits which means you can keep renewing it without any lapse.

Arogya Sanjeevani Policy offers cover for several basic healthcare expenses such as road ambulance expenses, in-patient hospitalisation expenses, pre-hospitalisation and post-hospitalisation expenses, daycare procedures, treatments taken under AYUSH systems of medicines, dental treatments and plastic surgery necessitated due to an accident, cataract surgery, and new-age treatments such as intravitreal injections, stem cell therapy, robotic surgeries, etc. Other benefits that you can avail of under the policy include tax benefits on the premium paid, under Section 80D of the Income Tax Act, 1961, lifetime renewability benefit, 15 days free look period, and low co-payment of only 5%. All in all, the policy is a good choice for people looking for adequate coverage for themselves and their families, at an affordable premium.

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 days post-hospitalisation expenses
  • Daycare procedures are also covered under this plan.
  • Treatments taken under AYUSH systems of medicines
  • Cataract treatment subject to a limit of 25% of the sum insured or Rs. 40,000, whichever is lower, per eye

What's Not Included

  • Any disease contracted during the initial 30 days from the date of start of policy
  • Admission primarily for the purpose of investigation and evaluation
  • Admission primarily for rest cure, rehabilitation and respite care
  • Expenses for surgical treatment of obesity that does not fulfill the specified conditions
  • Treatment required due to participation in any hazardous activity or adventure sports

6307 Raheja QBE Cashless Network Hospitals in India

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Arogya Sanjeevani Policy User Reviews

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What users are saying
  • All
  • Quick and easy policy issuance

    The buying process from the InsuranceDekho website is quick and easy. I recently bought the Raheja QBE Aarogya Sanjeevani policy. The process was very easy and was done in a few steps.

    P
    By Priyanshi Tyagi
    On: Mar 03, 2022
  • Purchased at an ease

    The buying process from the InsuranceDekho website is quick and easy. I recently bought the Raheja QBE Aarogya Sanjeevani policy. The process was very easy and was done in a few steps. 

    V
    By Vrinda Singhal
    On: Mar 01, 2022
  • Affordable plans

    The InsuranceDekho website provides quite affordable plans to purchase. I bought the Raheja QBE Aarogya Sanjeevani policy from their website. The plan fulfills all my needs and requirements. Happy with the purchase.

    R
    By Raunak Singhaniya
    On: Feb 17, 2022

Claim Process at Raheja QBE 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 as soon as it occurs 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 as soon as it occurs 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.

FAQs on Arogya Sanjeevani Policy Health Insurance Plan

  • Does Arogya Sanjeevani Policy, Raheja QBE General Insurance cover me for treatment taken outside India?

    No. Arogya Sanjeevani Policy does not cover you for treatment taken outside the geographical boundaries of India. 

  • What are the new age treatments covered under Arogya Sanjeevani Policy, Raheja QBE General Insurance?

    Some new age treatments that Arogya Sanjeevani Policy, Raheja QBE General Insurance covers you for are as follows:

    • Intravitreal injections
    • Robotic surgeries 
    • Stereotactic radio surgeries 
    • Bronchial thermoplasty 
    • The vaporization of the prostate (green laser treatment or holmium laser treatment) 
    • ONM-(Intra Operative Neuro Monitoring)  
    • Stem cell therapy
  • How to make a cashless claim under Arogya Sanjeevani Policy, Raheja QBE General Insurance?

    To make a cashless claim under Arogya Sanjeevani Policy, Raheja QBE General Insurance, you are required to follow the simple steps given below: 

    • In case of an emergency, intimate the insurance company within 24 hours of hospitalisation, and 48 hours prior in case of planned hospitalisation. 
    • Fill the pre-authorization form. 
    • Once your documents are verified, you will receive an approval letter.
    • The insurance company will directly settle the bill directly at the network hospital. 

     

  • What are the documents required at the time of claim under Arogya Sanjeevani Policy, Raheja QBE General Insurance?

    Following are the documents required at the time of claim under Arogya Sanjeevani Policy, Raheja QBE General Insurance: 

    • Duly completed pre-authorization form
    • Original discharge summary
    • Medical practitioner's prescription advising admission
    • Photo ID proof
    • Investigating/Diagnostic test reports, etc.
    • Original medical bills and payment receipts
  • Can I avail cumulative bonus if covered under Arogya Sanjeevani Policy, Raheja QBE General Insurance?

    Yes. You can avail cumulative bonus of 5% of the sum insured for every year a claim is not made under Arogya Sanjeevani Policy, Raheja QBE General Insurance. Also, the No Claim Bonus (NCB) is calculated on cumulative basis, and can be availed up to a maximum of 50%. 

     

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