Aditya Birla Arogya Sanjeevani Health Insurance

Arogya Sanjeevani Policy is an indemnity-based medical 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 accident. The plan covers Self, legally wedded Spouse, Dependent Children, Parents, and Parents-in law on an 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), a 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.

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