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Arogya Sanjeevani Policy of Max Bupa Health Insurance

Published On May 06, 2020, Updated On Sep 08, 2021

There is a pool of health insurance plans available in the market. 

They may be beneficial, but at the same time, they can be confusing too especially when it comes to shortlisting one from them. 

With this mind, we are describing key features and benefits of Arogya Sanjeevani Policy, designed by IRDAI. Like other insurers, Max Bupa Health Insurance Co. Ltd is also offering this policy. This standard health insurance product by Max Bupa features to solve most of your healthcare and health insurance needs. 

Let’s dig deeper and get insights into Arogya Sanjeevani Policy, Max Bupa Health Insurance Company.

What is Arogya Sanjeevani Policy, Max Bupa Health Insurance Co. Ltd.?

Arogya Sanjeevani Policy, Max Bupa is an indemnity based health insurance policy that covers hospitalisation expenses for you and your family in case of an accident/illness/disease. 

The policy is loaded with benefits and designed in a way that it takes care of you and your family’s health perfectly. It is the best option for those looking to buy a health insurance policy for the first time.  

As the policy is affordable as well as simple to understand, people living in smaller towns and lying in the low-income bracket can make the most of this product. 

Scroll down to read the features and benefits of Arogya Sanjeevani Policy, Max Bupa Health Insurance Co. Ltd. to understand the policy better. 

Features of Arogya Sanjeevani Policy, Max Bupa Health Insurance Co. Ltd.

Given below are certain highlights of the standard health insurance product offered by Max Bupa. 

  • Product Type: Individual/floater 

  • Category of cover: Indemnity (the policy protects you against unexpected and sudden medical expenses)

  • Sum insured options: 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   

      Note: On an individual basis, the sum insured will be applied to every individual family member. Whereas on floater basis, the sum insured will be applied to the whole family. 

  • Policy term: 1 Year. The policy has to be renewed every year

  • Eligibility: People aged between 18 years and 65 years can buy this policy. They can add dependent children aged between 3 months and 25 years.

  • Family members can be included: Legally wedded spouse, parents and parents in law and dependent children

  • Co-payment of 5% on every claim

  • A grace period of 30 days for yearly premium payment mode; 15 days for other modes 

  • Premium payment: Options for monthly, Quarterly, Half-yearly, and Yearly instalments

  • A general waiting period of 30 days from the date of commencement of the policy 

Benefits of Arogya Sanjeevani Policy, Max Bupa Health Insurance Co. Ltd.

Arogya Sanjeevani Policy by Max Bupa offers vital benefits tailor-made for your needs. Read them below:

  • Cashless and reimbursement facility offered

  • Cover for all daycare treatments (treatments that do not require 24-hour hospitalisation

  • Cover for pre and post-hospitalisation expenses for up to 30 and 60 days respectively

  • Cumulative bonus of 5% for every claim-free year (maximum up to 50% of sum insured). It means there will be 5% of increment in the sum insured if you don’t file a claim in a policy year. 

  • Cover for in-patient treatment under AYUSH (Ayurveda, Yoga and Naturopathy, Unani, Siddha, and Homeopathy)

  • Cover for modern and advanced procedures (such as Balloon sinuplasty, deep brain stimulation, oral chemotherapy, and robotic surgeries)

  • Cataract treatment covered for up to 25% or Rs. 40,000 whichever is lower, for each eye for one policy year

  • In-patient hospitalisation expenses covered. Room rent, nursing and boarding expenses covered for up to 2% of SI and maximum of Rs. 5,000 per day. ICU and ICCU charges covered for up to 5% of SI and a maximum of Rs. 10,000 per day. 

  • Cover for the road ambulance for up to Rs. 2,000 per hospitalisation

  • Pre-existing diseases covered after 4 years

  • Hassle-free claims with 30-minute cashless claim processing 

  • In-house claim settlement and portability benefit offered (You can switch to other insurers if you are not satisfied with the service offered by your existing insurance company)

  • Tax benefits under Section 80D of the Income Tax Act, 1961

How to buy Arogya Sanjeevani Policy, Max Bupa Health Insurance Co. Ltd.?

In order to buy Arogya Sanjeevani Policy by Max Bupa, fill in your details here. You can also use InsuranceDekho Premium calculator, and prepare yourself for the upcoming expenses by getting an estimate for this policy.  

An easier way out is to call on the toll-free number 7551196989 and talk to the health insurance experts right away. They will guide you through the entire process and help you buy this policy with easy and secure payment methods online. 

So, stop procrastinating and buy this affordable health insurance policy today.

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