Aditya Birla Arogya Sanjeevani Policy Health Insurance

Arogya Sanjeevani Policy
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  • 5,700+ Network Hospitals
    Check in your City
  • 1,86,244+ Policies Issued
  • Lifelong Renewability
  • 91% Claim Settlement Ratio
  • In-House Claim Settlement
  • Coronavirus (COVID-19) Cover

About Aditya Birla Arogya Sanjeevani Policy Health Insurance

Arogya Sanjeevani Policy is an indemnity-based health insurance policy that is developed by the IRDAI and provided by Aditya Birla Health Insurance. It is an affordable policy that works best for you and your family. It is a simplified health insurance product that covers the insured against medical expenses for hospitalisation arising due to any illness, sickness, disease, or an accident. The plan covers Self, legally wedded Spouse, Dependent Children, Parents, and Parents-in law on individual or floater basis. Dependent children (naturally or adopted) can also be added under this policy if they are aged between 3 months and 25 years.

To be the Proposer for this policy, you must be aged between 18-65 years. The policy offers you a wide range sum insured options between Rs. 1 Lakh to Rs. 5 Lakh (in multiples of 50,000). Available for a term of 1 year, this policy needs to be renewed annually. A highlight of this policy is that apart from the basic coverage, it also covers expenses related to infections. The policyholders get many other benefits under this policy including cover for all daycare treatments (that require less than 24-hour of hospitalisation), cumulative bonus of 5% for every claim-free year (up to a specific limit), in-patient hospitalisation expenses, and new-age treatments such as robotic surgeries, oral chemotherapy, and balloon sinuplasty. A co-payment of 5% is applicable on all admissible claims under this policy.

Key Inclusions and Exclusions of the Plan

What's Included

  • 30 days pre and 60 days post-hospitalisation expenses
  • Expenses for Cataract treatment subject to a specific limit
  • In-patient expenses for AYUSH treatments for up to sum insured limit
  • Expenses related to hospitalisation due to coronavirus disease
  • Dental treatment or plastic surgery necessitated due to an injury or disease
  • Road ambulance cover for up to Rs. 2,000 per hospitalisation

What's Not Included

  • Any treatment availed outside the geographical boundaries of India
  • Expenses related to dietary supplements such as vitamins
  • Any expense related to change of gender treatment including surgical management
  • Expenses arising due to treatment of alcohol, or any substance abuse
  • Expenses incurred on OPD treatment or domiciliary hospitalisation
  • Expenses towards miscarriage or unlawful medical termination of pregnancy

Arogya Sanjeevani Policy Reviews

What users are saying
  • Very much satisfactory

    The coverage features under this plan are very much satisfactory. I got cover for my entire family at an ...

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    J
    By Jitender Singh
    On: May 21, 2020
  • Knowledgeable experts

    I dint not know much about health insurance but was looking for a plan for myself and my family of 4. I got lu...

    Read More
    S
    By Surbhi Mehta
    On: May 21, 2020
  • Very easy to understand

    The plan not only has many coverage features, but is also easy to understand even for those who have little kn...

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    S
    By Sanjay Singhania
    On: May 20, 2020
  • Easy to buy from InsuranceDekh...

    I am happy with the services of InsuranceDekho. I brought this plan recently from them in a few simple steps. ...

    Read More
    A
    By Ashok Gupta
    On: May 19, 2020
  • Brought it online during lockd...

    I purchased this health insurance policy online during the lockdown. The process was very smooth. Iam happy th...

    Read More
    V
    By Vijay Sharma
    On: May 19, 2020

Aditya Birla Arogya Sanjeevani Policy Brochure

  • 543.86 KB
  • PDF Document
  • May 07, 2020

Claim Process at Aditya Birla 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 within 48 hours and for planned hospitalisation intimate within 3 days 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 within 48 hours and for planned hospitalisation intimate within 3 days 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.

Arogya Sanjeevani Policy FAQs

  • What is the age criteria to buy this policy?

    To be the Proposer of this policy, you must be aged between 18 years and 65 years. If you are aged above 65 years, then you can buy this policy for family, without covering yourself.

  • Who all can be covered under this policy?

    You can cover Self, legally wedded Spouse, Dependent Children, Parents, and Parents-in law under this policy.

  • What are the sum insured options under this policy?

    Sum insured options under the policy are-Rs. 1 Lakh, Rs. 1.5 Lakh, Rs. 2 Lakh, Rs. 2.5 Lakh, Rs. 3 Lakh, Rs. 3.5 Lakh, Rs. 4 Lakh, Rs. 4.5 Lakh, and Rs. 5 Lakh

  • Can I pay the premium in instalments for this policy?

    Yes. You can pay the premium for this policy in Monthly, Quarterly, Half-yearly, or Annual instalments.

  • Is there any limit on cover for room rent under this policy?

    Yes. Room rent expenses are covered up to 2% of the sum insured up to a maximum of Rs. 5,000 per day. 

  • Are plastic surgery and dental treatments covered under this policy?

    Yes. Plastic surgery and dental treatments arising due to a disease or an injury are covered under this policy. 

  • What is the grace period allowed under this policy?

    A grace period of 30 days is allowed in case of yearly payment mode. For every other mode, a grace period of 15 days is allowed.

  • Can I avail of tax benefits for the premium paid under this policy?

    Yes. You can enjoy tax benefits on the premium paid under this policy under Section 80D of the Income Tax Act, 1961. 

  • What is the free look period offered under this policy?

    You get a free look period of 15 days under this policy. 

  • What is the policy period for Arogya Sanjeevani Policy, Aditya Birla Health Insurance Company Limited?

    The policy period for Arogya Sanjeevani Policy, Aditya Birla Health Insurance Company Limited is of one year. 

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