Arogya Sanjeevani Health Insurance

By providing basic & standard medical insurance with the exact same coverage from all top health scheme firms, the Arogya Sanjeevani Policy was created with the goal of simplifying health plan in India. It aims to offer the policyholder across all income classes in India basic indemnity insurance benefits. Look at the list of advantages that a policyholder can receive from the Arogya Sanjeevani Plan to better understand this policy:

Benefits for New Buyers

A first-time purchaser of health scheme can acquire a wide range of coverage at a low cost with this option, saving them the trouble of having to grasp the advantages and disadvantages of various health plans.

No More Perplexity

As all insurance firms in India give the same amount of coverage and terms & conditions, it removes the possibility of any uncertainty developing in the policyholder's mind.

Lower Co-payment Alternative

The applicant will only be required to pay 5% of the total claim amount at the time of settlement because it offers a cheaper co-payment option of just 5% of the total claim amount.

Arogya Sanjeevani Plan differs from other health plans offered in India in a number of ways. Here are a few of Arogya Sanjeevani Plan's most appealing features:

• Arogya Sanjeevani health plan is more affordable.
• A range of Rs. 1 lakh to Rs. 5 lakhs is the insured amount.
• Available on a single-person and family-floater basis
• Provides coverage for COVID-19-related hospital costs

There are many reasons for buying the Arogya Sanjeevani Plan, such as: 

• In India, costs for healthcare, as well as healthcare issues, are rising.
• The COVID-19 pandemic is still being managed in India. In the long run, the Arogya Sanjeevani Plan can be a financially sensible choice to protect you from COVID-19 and other ailments.
• One of the most economical health plans on the market right now is the Arogya Sanjeevani Health Insurance Policy.
• The secret to wise financial planning and investment is having at least the most basic health plan!

Things that are covered under Arogya Sanjeevani Health Insurance Policy are:

Combined Bonus

Even if you don't submit a claim this year, you won't lose anything! For each year without a claim, a bonus of 5% of your insured amount is added!

The Cost of Hospitalisation

This covers all pre- and post-hospitalisation costs (diagnostics, doctor visits, surgeries, hospital stays, medications, etc.) incurred as a result of an injury or illness for 30 days prior to and 60 days following hospitalisation.

Room Charge

There are several hospital rooms from which to pick when you are admitted. With this arrangement, you are free to select any accommodation as long as the daily rate does not exceed Rs. 5,000.

The exclusions of Arogya Sanjeevani medical insurance plan are:

• Home health care and outpatient hospital costs are not covered under the Arogya Sanjeevani Plan.
• Claims stemming from committing a crime or attempting to do so are not covered.
• The Arogya policy does not cover treatments for drugs and alcohol.
• Medical costs associated with engaging in risky or adventurous sports are not included.
• This policy does not cover expenses linked to pregnancy.
• Treatments for infertility and sterility are not covered.

Purchasing Arogya Sanjeevani Plan can benefit people in several ways. Therefore people who should buy Arogya Sanjeevani are:

People Seeking COVID-19 Coverage

If you're seeking COVID-19 medical insurance coverage, as many other people do, Arogya Sanjeevani is a good choice because its cost is almost the same as that of coronavirus-specific plans. The best feature is that, unlike short-term medical insurance policies, which have a few-month expiration date, it provides lifetime renewability benefits.

Individuals Seeking Affordable, Basic Medical Insurance

Anyone looking for low-cost medical insurance coverage to safeguard themselves and their family members would find the Arogya Sanjeevani Plan to be excellent. This is because the policy provides customers with extensive coverage at a low cost for medical insurance.

First-time Purchasers of Medical Insurance

Purchasing a basic health policy, such as the Arogya Sanjeevani Plan, can be a good option if you are young and in need of coverage. It would be suitable because it offers sufficient coverage at a fair price.

In case of an emergency, you can file a claim for your Arogya Sanjeevani Plan by following steps such as:

Claim for Reimbursement

• Send the claim form and the necessary paperwork.
• A letter or document of approval will be sent to you by the claim management staff.
• You or the hospital will be expected to react in the event that the claim management team contacts you with a question.
• If the claim is refused, the reason will be communicated to you.

Cashless Claim Settlement

• Notify the insurance provider 48 hours in advance of a planned hospitalisation and 24 hours after an emergency hospitalisation.
• Pre-authorisation paperwork filled out.
• Following the verification of your documents, you will be sent an approval letter.
• Your insurance provider will pay the hospital directly on your behalf.

The Arogya Sanjeevani Plan has an enrolment age minimum of 18 years to an age maximum of 65 years. Starting age can be three months to a maximum of 25 years under the family floater option of the Arogya Sanjeevani medical insurance policy. The child will not be eligible for coverage in subsequent renewals if they are financially independent after turning 18 years old.

The Arogya Sanjeevani Plan provides a 15-day free-look period for the policy buyer. It basically means that the policyholder can terminate their insurance within the first 15 days without being charged a cancellation fee. In addition, if no claims are made during this time, the policyholder will receive their contribution back, less any costs the insurance provider incurred.

However, the policyholder has the option to cancel their Arogya Sanjeevani Policy if the 15-day free-look period expires. Before cancelling the policy, the insured must give the insurance company 15 days' written notice.