Arogya Sanjeevani Health Insurance Policy
Launched by the IRDAI, Arogya Sanjeevani Policy is a standard health insurance product that can be purchased on an individual or family floater sum insured basis by paying an affordable premium. The comes with wide coverage features that are easy to understand as well as beneficial.
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What is Arogya Sanjeevani Policy?
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FAQ About Arogya Sanjeevani Policy
Does Arogya Sanjeevani Policy cover COVID-19 hospitalization cost?Yes, the Arogya Sanjeevani health insurance policy covers the hospitalization treatment costs of COVID-19 (Coronavirus Disease).
Are maternity expenses covered under the Arogya Sanjeevani Policy?No, maternity expenses are not covered under the Arogya Sanjeevani Policy.
Do I need to undergo a health check-up to purchase Arogya Sanjeevani Policy?
In majority of the cases, wherein you are not having any existing healthcare conditions and you follow healthy lifestyle habits, you are not required to undergo a medical check-up to purchase the policy. Also, before buying the policy, make sure to confirm the need for going through a medical check up from your respective insurance provider. As any wrong information to any of the medical questions can result in claim rejection later.
Are there any plan variants under the Arogya Sanjeevani Policy?
Arogya Sanjeevani Health Insurance Policy is available in two plan types namely Individual Plan and Family Floater Plan. Under the Individual Plan, only the proposer is covered whereas, under the Family Floater Plan, the proposer can include their legally-wedded spouse, dependent children, parents, and parents-in-law with themselves under the fixed sum insured.
Can NRIs buy Arogya Sanjeevani Policy?
Yes, Non-Resident Indians (NRIs) can also buy Arogya Sanjeevani Policy. However, the premium for the plan has to be paid in Indian currency and through an Indian Bank Account only. Also, the NRI must be present in India at the time of purchase of policy.
Can I opt for a higher sum insured than the maximum limit under this policy?
The maximum sum insured available under Arogya Sanjeevani Health Insurance Policy is Rs. 5 lakh. You cannot opt for a sum insured higher than the maximum limit under this plan.
Are pre-existing diseases covered under Arogya Sanjeevani Policy?
Pre-existing conditions/diseases declared and/or accepted at the time of application come with a waiting period of 48 months from the date of policy inception and are thus covered after the first 4 years of continual renewals.
Can I port my existing health insurance policy to Arogya Sanjeevani Policy?
Yes, you can port your existing health insurance policy to Arogya Sanjeevani Policy.
Is there any free-look period offered under Arogya Sanjeevani Policy?
Yes, the policy comes with a free look period of 15 days. The policy buyer is not required to pay any cancellation amount in case he/she cancels their policy within the first 15 days of buying the policy. However, there is no free look period available on policy renewals.
Can Arogya Sanjeevani Policy be availed outside India?
No, medical treatments taken outside India are not covered under Arogya Sanjeevani Policy.
What is the eligibility criteria to buy Arogya Sanjeevani Policy?
The minimum and maximum entry age under the Arogya Sanjeevani Policy is 18 years and 65 years respectively. The policy allows the inclusion of children aged 3 months to 25 years under the family floater type. However, if the child above 18 years of age is financially independent, he or she shall not be eligible for the coverage in the subsequent renewals.
What are the inclusions under Arogya Sanjeevani Policy?
Arogya Sanjeevani Policy covers you against in-patient expenses for AYUSH treatment, road ambulance expenses for up to Rs. 2,000 per hospitalisation, 30 days pre-hospitalisation expenses, 60 days post-hospitalisation expenses, plastic surgery and dental treatment due to a disease or injury, expenses incurred due to treatment of cataract up to a specific limit, expenses related to daycare procedures, etc. To understand the policy inclusions in detail, you can read the policy document thoroughly.
What are the exclusions under Arogya Sanjeevani Policy?
Arogya Sanjeevani Policy does not offer you cover against all healthcare expenses. Some exclusions under the policy are expenses related to domiciliary hospitalisation expenses, expenses related to OPD treatment, maternity expenses related to miscarriage and unlawful medical pregnancy termination, treatment taken outside the geographical boundaries of India, expenses incurred due to treatment for alcoholism, drug, or substance abuse, medical expenses incurred due to nuclear, biological, or chemical attack or weapons.
Can I cancel my Arogya Sanjeevani Policy?
If insured under Arogya Sanjeevani Policy, you will get a free look period of 15 days to understand the policy better. In case you find that you are not satisfied with the policy features, then you can cancel your policy during this period without having to pay any cancellation charges. You can also cancel the policy after the free look period but for that you will be required to give a 15 days written notice to the insurance provider. The insurance provider will refund you the premium for the remaining policy period.
What is the difference between purchasing policy on an Individual basis as compared to purchasing it on a family floater basis?
At the time of purchasing a policy on an individual basis, you need to cover all your family members separately. While, on the flip side, if you purchase the policy on a family floater basis, then you can get your whole family covered including self, legally wedded spouse, children and parents under a single policy with a maximum sum insured of Rs. 10 Lakh.
Is Arogya Sanjeevani Policy cashless?
Yes. Arogya Sanjeevani Policy offers the benefit of cashless hospitalisation to the policyholders.
What is the criteria for entry age under the Arogya Sanjeevani Plan?
The criteria for entry age under the Arogya Sanjeevani Plan is 18 years to 65 years for adults. While, for the children, the criteria for entry age is 3 months to 35 years.
Am I allowed to opt for a higher sum insured than the maximum limit under the Arogya Sanjeevani Policy?
No, under Arogya Sanjeevani policy, you cannot opt for a higher sum insured limit. The sum insured limit ranges between Rs 1 Lakh to Rs. 5 Lakh. If you want a higher sum insured amount, then you need to go for a different policy offering a higher sum insured.
What are the sum insured options available under Arogya Sanjeevani Policy?
Sum insured options available under Arogya Sanjeevani Policy are of 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. You can not increase the sum insured more than Rs. 5 lakh under Arogya Sanjeevani Policy. The sum insured options range between Rs. 1 lakh and Rs. 5 lakh. The limit is set by the IRDAI (Insurance Regulatory and Development Authority of India).
Which insurance companies are offering Arogya Sanjeevani Policy?
IRDAI (Insurance regulatory and Development Authority of India) has made it mandatory for all the insurers offering health insurance to offer Arogya Sanjeevani Policy. Some popular insurance companies offering this policy are HDFC ERGO Health Insurance Limited (Formerly Apollo Munich Health Insurance Company Limited), Universal Sompo General Insurance Co. Ltd., Manipal Cigna Health Insurance Company Limited, Navi General Insurance Ltd. (Formerly DHFL General Insurance Company), Care Health Insurance formerly Religare Health Insurance Co. Ltd, etc.
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*Standard T&C Apply. All savings/offers are provided by the Insurers, which are subject to modification .For more details on risk factors, terms and conditions, please read the sales brochure of respective insurers carefully before concluding a sale. Tax benefits are subject to changes in applicable tax laws. Girnar Insurance Brokers Private Limited, (CIN: U66010RJ2016PTC054811, Regd .Off: Girnar 21, Govind Marg, Moti Doongari Road, Dharam Singh Circle, Jaipur, Rajasthan- 302004; Corp. Off: 11th Floor, Tower B, Emaar Digital Greens, Golf Course Extension Road, Sector-61, Gurugram-122102, Haryana. IRDAI License no 588. Direct Broker (Life & General) valid till 19th March 2023. Email - email@example.com ; Helpline number: 7551196989.
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