What is Covered in Arogya Sanjeevani Health Policy?

Health insurance is crucial in protecting individuals and families from the financial strain of healthcare costs. Arogya Sanjeevani Health Policy is a comprehensive health insurance scheme introduced by the Insurance Regulatory and Development Authority of India (IRDAI). Launched in April 2020, Arogya Sanjeevani aims to provide affordable healthcare coverage to a wide range of individuals across India. This article delves into the details of what this policy covers and its key features.

Key Features of Arogya Sanjeevani Health Policy:

Having a robust health insurance policy can be the cornerstone of financial security and peace of mind. Arogya Sanjeevani Health Policy, helps to make quality healthcare accessible and affordable to a wide spectrum of individuals across the country.

Basic Health Coverage

Arogya Sanjeevani Health Policy offers basic health coverage, including hospitalisation expenses, pre and post-hospitalisation expenses, daycare procedures, and ambulance charges. This ensures that policyholders have access to essential healthcare services without facing financial strain.

Sum Insured Options

Policyholders can choose from various sum insured options ranging from ₹1 lakh to ₹5 lakhs. This flexibility allows individuals to select a coverage amount that best suits their healthcare needs and budgetary constraints.

Coverage for pre-existing Diseases

Arogya Sanjeevani Health Policy covers pre-existing diseases after a waiting period of 48 months. This provision ensures that individuals with existing health conditions can avail of insurance benefits without any exclusions or limitations.

No-claim Bonus

The policy offers a no-claim bonus, wherein policyholders receive an increase in the sum insured for every claim-free year. This encourages individuals to maintain a healthy lifestyle and avoid unnecessary healthcare expenses.

Family Floater Option

Arogya Sanjeevani allows individuals to opt for a family floater policy, wherein the entire family is covered under a single policy. This simplifies the insurance process and provides comprehensive coverage to all family members.

Lifelong Renewability

The policy offers lifelong renewability, ensuring that individuals can continue to avail of healthcare coverage throughout their lifetime. This feature is particularly beneficial as it provides financial security during old age, when healthcare needs are likely to increase.

Cashless Treatment

Policyholders can avail of cashless treatment at network hospitals empanelled with the insurance provider. This eliminates the need for upfront payment of medical bills and ensures a hassle-free healthcare experience.

Coverage under the Arogya Sanjeevani Health Policy

Arogya Sanjeevani Health Policy aims to bridge the gap in healthcare accessibility by providing affordable and inclusive coverage to policyholders.

Hospitalisation Expenses

The policy covers expenses incurred during hospitalisation, including room rent, nursing charges, ICU charges, and medical practitioner fees.

Pre and Post-hospitalisation Expenses

Arogya Sanjeevani covers medical expenses incurred before and after hospitalisation, such as diagnostic tests, consultation fees, and medication costs.

Day Care Procedures

The policy covers expenses related to daycare procedures that do not require 24-hour hospitalisation, such as cataract surgery, chemotherapy, and dialysis.

Ambulance Charges

Arogya Sanjeevani reimburses ambulance charges incurred for transporting the insured individual to the hospital in case of an emergency.

AYUSH Treatments

The policy provides coverage for alternative treatments such as Ayurveda, Yoga, Naturopathy, Unani, Siddha, and Homeopathy (AYUSH), subject to specified limits.

Exclusions under Arogya Sanjeevani Health Policy

While Arogya Sanjeevani Health Policy offers comprehensive coverage, it also has certain exclusions, including:

Cosmetic Procedures

Expenses related to cosmetic or aesthetic treatments are not covered under the policy unless necessitated by accidental injuries.

Non-allopathic Treatments

Treatments received from non-allopathic practitioners or alternative medicine practitioners not recognised by the government are excluded from coverage.

Self-inflicted Injuries

Expenses arising from self-inflicted injuries, suicide attempts, or intentional harm are not covered under the policy.

Congenital Diseases

Expenses related to congenital diseases or conditions existing from birth are excluded from coverage.

Final Thoughts

Arogya Sanjeevani Health Policy is a step towards making healthcare more accessible and affordable for individuals across India. With its comprehensive coverage, affordable premiums, and flexible options, it provides financial security and peace of mind to policyholders. By understanding the coverage and features of Arogya Sanjeevani, individuals can make informed decisions to protect themselves and their families against unforeseen medical expenses. If you are also looking for the best health insurance company, then Niva Bupa is your place to be; connect with them now.