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Top Reasons To Buy Arogya Sanjeevani Health Insurance Policy

Updated On Feb 12, 2024

Arogya Sanjeevani Policy is a standard health insurance policy for individuals and families that provides them coverage against basic hospitalisation expenses. This newly formulated health insurance policy by the Insurance Regulatory and Development Authority of India (IRDAI), Arogya Sanjeevani Policy was made available on 1st April 2020 by all the health insurance companies across India. The policy offers basic health care coverage for sum insured options ranging between Rs. 1 lakh and Rs. 5 lakh. Apart from hospitalisation expenses, the policy also covers the insured for the treatment expenses related to the novel coronavirus, i.e. COVID-19.

Top Reasons To Buy Arogya Sanjeevani Health Insurance Policy

Who Can Buy Arogya Sanjeevani Policy? 

Arogya Sanjeevani Policy can be purchased by anyone who is aged between 18 years and 65 years and is a resident of India. It is recommended that people purchasing health insurance for the first time should opt for the Arogya Sanjeevani Policy as it not only offers them wide coverage but also comes at an affordable health insurance premium. 

Coverage Benefits of Arogya Sanjeevani Policy 

Arogya Sanjeevani Policy comes with a wide range of coverage benefits. If covered under the policy, you can avail of the following benefits at an affordable premium: 

1. Pre-Hospitalisation Expenses

the insurance company that you purchased the Arogya Sanjeevani Policy from will cover you for the pre-hospitalisation expenses. On the basis of the terms and conditions of your policy, you can avail cover for pre-hospitalisation expenses for up to 30 days.

2. In-Patient Hospitalisation Expenses

Arogya Sanjeevani Policy covers expenses incurred during hospitalisation. These include nursing, boarding, room rent expenses, hospital stay, bed charges, fees of medical practitioners including a surgeon, anesthetist, doctor, consultant, surgical appliances, OT expenses, ICU/ICCU expenses, etc. Note that your insurance company may put a limit of 2% of the sum insured for up to Rs. 5,000 per day on hospitalisation. 

3. Post-Hospitalisation Expenses

Some ailments require treatment even post-hospitalisation. Arogya Sanjeevani Policy covers you for such expenses for up to 60 days after discharge from the hospital. 

4. Ambulance Charges

Arogya Sanjeevani Policy covers the expenses incurred due to transportation of the patient to the nearest hospital with the help of a road ambulance. Note that there is a capping of Rs. 2,000 on ambulance expenses for every hospitalisation during the policy term.

5. Daycare Procedures

Daycare procedures are those treatments that do not require hospitalisation of at least 24 hours. For instance, rhinoplasty, radiotherapy, chemotherapy, etc. Arogya Sanjeevani Policy covers you for such out-patient treatments for up to 50% of the sum insured. 

6. Dental Treatment and Plastic Surgery

If covered under the Arogya Sanjeevani Policy, you will be protected against expenses incurred due to dental treatment and plastic surgery for up to the sum insured limit under the policy. 

7. AYUSH Treatment

Arogya Sanjeevani Policy covers for treatments taken under AYUSH systems of medicines for up to the sum insured limit. 

8. Cataract Treatment

Arogya Sanjeevani Policy covers you for cataract treatment for up to 25% of the sum insured or Rs. 40,000 whichever is lower, for each eye. 

9. Stem Cell Therapy

Under the Arogya Sanjeevani Policy, you will be covered for Stem Cell Therapy. As it comes under out-patient treatment and therefore it has a capping of 50% of the sum insured during the policy period. 

10. New Age or Modern Treatment

Arogya Sanjeevani Policy covers you for new-age/modern treatments that are specified under the policy. It is an out-patient treatment and hence will have a capping of 50% of the sum insured. 

More Reasons to Buy Arogya Sanjeevani Policy  

Apart from coverage benefits, the Arogya Sanjeevani Policy also offers you the following benefits: 

1. Income Tax Benefit Under Section 80D of the Income Tax Act, 1961

On purchasing the Arogya Sanjeevani Policy, you can avail of tax benefits on the premium paid for it, under Section 80D of the Income Tax Act, 1961. 

2. No Claim Bonus (NCB)

A No Claim Bonus (NCB) is offered by an insurance company when no claims are raised in a policy period. The benefit is offered at the time of policy renewal for the next policy term. Under the Arogya Sanjeevani Policy, you can avail of a cumulative bonus of 5% for up to 50%. 

3. Free Look Period

Some health insurance companies may offer you a free look period on the Arogya Sanjeevani Policy. During this period, you can review and understand the terms and conditions mentioned under your health insurance policy. If you do not find the policy benefits satisfactory, then you can make a request for policy cancellation during this period. 

Conclusion 

Now that you are aware of several benefits offered under the Arogya Sanjeevani Policy, you must not delay any further in buying one for yourself and your dear ones. It is not at all difficult to buy one online. All you need to do is contact the customer care executives at InsuranceDekho and share your requirements. Stay safe, stay insured!

Disclaimer: This article is issued in the general public interest and is meant for general information purposes only. Readers are advised not to rely on the article's contents as conclusive in nature and should research further or consult an expert in this regard.

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