Zuno Arogya Sanjeevani Health Insurance
Cashless Approval TAT | 30 mins Cashless Claim Processing |
Claim Settlement Ratio | 94% |
Network Hospitals | 5,000+ |
PED Waiting Period | 3 years |
Special Benefits | Cash Advance for Reimbursement Claims |
Starting Premium for 5 lac SI | Rs. 548/month |
About Zuno Arogya Sanjeevani Health Insurance
Edelweiss Arogya Sanjeevani Policy is the latest product launched by Edelweiss General Insurance. Available on individual and floater sum insured basis, the policy covers hospitalisation expenses arising due to any illness, sickness, disease, or accident for a policy term of one year. In this medical insurance, policyholders can avail of reimbursement or cashless treatment facility under this policy. Anyone aged between 18 years to 65 years can be the Proposer under this policy. One can also add other family members including legally-wedded Spouse, Dependent children, Dependent parents, and Dependent Parents in-law. The company gives the flexibility of paying premiums in installments under this policy. So, you can pay in monthly, quarterly, half-yearly, and yearly installments for this affordable policy.
The policy comes with a wide array of benefits for the policyholders such as portability benefits, 15 days free look period, cumulative bonus between 5%-50%, lifetime renewability benefit, cover for modern treatments, cover for road ambulance expenses up to a specific limit, cover for cataract treatment, and grace period. One of the striking features of the policy is that it comes with a minimum co-payment of 5% ensuring less burden on the policyholders.
Read more: Arogya Sanjeevani Policy
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Key Inclusions and Exclusions of the Plan
What's Included
- ICU/ICCU charges up to a specific limit
- AYUSH treatments up to sum insured limit
- Cover for expenses arising due to daycare treatments
- Room rent, boarding, nursing charges up to a specific limit
- Dental treatment and plastic surgery necessitated due to disease or injury
- 30 days pre-hospitalisation and 60 days post-hospitalisation expenses
What's Not Included
- Expenses related to OPD treatment
- Expenses related to domiciliary hospitalisation
- Expenses incurred on diagnostic or investigative tests
- Expenses traceable to childbirth except for ectopic pregnancy
- Expenses related to plastic surgery unless following an accident
- Expenses related to treatment of any illness within 30 days of policy issuance
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FAQs on Arogya Sanjeevani Policy Health Insurance Plan
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How many members can be included under this policy?
The policy covers up to 8 family members. These may include Self, Spouse, Dependent children, dependent parents, and dependent parents-in-law.
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Is there any limit on the age of the policyholder for the renewal of this policy?
No, there is no limit on the age of the policyholder for the renewal of the Edelweiss Arogya Sanjeevani Policy.
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Are pre-existing diseases covered under this policy?
Yes. The policy covers pre-existing diseases declared in the proposal form and accepted by the insurer after a waiting period of 4 years.
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Is there any limit on cover for cataract treatment under this policy?
Yes. The policy covers cataract treatment for up to 25% of the sum insured or Rs. 40,000, whichever is lower. The cost mentioned is for one eye, per policy year.