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Bajaj Allianz Arogya Sanjeevani Health Insurance

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Bajaj Allianz Health Insurance
Arogya Sanjeevani Policy
Cashless Approval TATWithin 2 hours
Claim Settlement Ratio98.00%
Network Hospitals18,400+
Pre-existing Disease Waiting Period2 years
Starting Premium for Rs. 5 lakhs SIRs. 364/month

About Bajaj Allianz Arogya Sanjeevani Health Insurance

Arogya Sanjeevani Policy offered by Bajaj Allianz General Insurance Co Ltd is a standard policy. A new health insurance product launched by Bajaj Allianz General Insurance, aims to protect you and your family from financial ruin in case of a health emergency. This medical insurance policy is an indemnity-based plan under which you can enjoy cashless treatment or reimbursement facility in case of hospitalisation required due to severe illness or accident. The policy covers medical expenses for infectious diseases and provides coverage for people aged between 18 years to 65 years. The best part is that the policy allows you to add your family members too and also offers you a family discount for the same.

Apart from self, you can include your legally wedded spouse, dependent children, parents, and parents-in-law. Remember, you can only include dependent children if they are aged between 3 months and 25 years. Sum insured options under the Bajaj Allianz Arogya Sanjeevani Policy range between Rs. 1 Lakh to Rs. 5 Lakh which the policyholders can choose as per their requirements. Available for a term of one year, the policy offers many benefits to the policyholders. Some of this includes cover for daycare treatments, in-patient hospitalisation expenses, free look period, discounts, AYUSH Treatment, cataract surgery, dental and plastic surgery due to illness. You can also enjoy tax benefits under Section 80D of the Income Tax Act, 1961.

Read more: Arogya Sanjeevani Policy

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Key Inclusions and Exclusions of the Plan

What's Included

  • Modern treatment methods for up to 50% of the sum insured
  • Road ambulance expenses for up to Rs. 2,000 per hospitalisation
  • Pre and post-hospitalisation expenses for up to 30 and 60 days respectively
  • Cover for inpatient care under AYUSH treatments up to sum insured limit
  • Cover for expenses incurred on cataract surgery up to a specific limit
  • Expenses for plastic surgery and dental treatment due to a disease or injury

What's Not Included

  • Treatment required due to participation in adventure sports
  • Expenses related to hospitalisation for investigation or evaluation purpose
  • Expenses incurred on cosmetic or plastic surgery unless following accident
  • Expenses related to surgical treatment of obesity if not suggested by a doctor
  • No cover is available for the expenses incurred on domiciliary hospitalisation or OPD
  • Expenses incurred on change of gender treatments are not covered under the policy

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Arogya Sanjeevani Policy User Reviews

4.7
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298 User reviews
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What users are saying
  • All
  • Best plan by Bajaj Allianz

    Almost an year back, i bought Bajaj Allianz’s Arogya Sanjeevani with insurancedekho’s help. This plan has covered me and my family for various illnesses at an affordable premium rate. I have even received a family discount on covering my loved ones. Grateful to insurancedekho for suggesting this plan. 

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    G
    By Gaurav Singh
    On: Oct 28, 2020
  • Brilliant insurance solutions

    I was looking for a comprehensive plan for my family and got this Arogya Sanjeevani Policy through the instant quotes option of InsuranceDekho. It helped me find this plan exactly as per my budget and requirement.

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    R
    By Rohan Mandal
    On: Jun 18, 2020
  • 24x7 customer assistance

    The customer team of InsuranceDekho is very active and always available to help me out with any insurance-related problem. They helped me understand this Arogya Sanjeevani Plan thoroughly due to which I can easily avail it to the fullest.

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    I
    By Ishan Rao
    On: Jun 16, 2020
  • Perfect insurance help

    When it comes to insurance, no one can help you better than the InsuranceDekho team. They gave me the best suggestion to buy this plan and I am overwhelmed with their suggestion after using this health insurance plan. Thankful to InsuranceDekho for helping me find the best.

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    Y
    By Yash Ghai
    On: Jun 14, 2020
  • Insurancedekho helps in easy b...

    I called on the toll-free number of InsuranceDekho 7551196989 and the customer care executives helped me buy this plan within a few minutes. I made the payment online with a secured payment gateway. It was good.   

    Read More

    S
    By Sunil Pradhan
    On: Apr 22, 2020
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Bajaj Allianz Arogya Sanjeevani Policy Brochure

  • 2.33 MB
  • PDF Document
  • Apr 22, 2020
Download PDF

Claim Process at Bajaj Allianz 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 as soon as it occurs and for planned hospitalisation intimate as soon as it occurs 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 as soon as it occurs and for planned hospitalisation intimate as soon as it occurs 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.

FAQs on Arogya Sanjeevani Policy Health Insurance Plan

  • Can I include my family under this policy?

    Yes. You can include self, legally wedded Spouse, Dependent Children, Parents, and Parents-in-law on both individual or floater sum insured basis.

  • What is the minimum and maximum entry age for this plan?

    People aged between 18 years and 65 years can buy this policy. You can include dependent children if they are aged between 3 months and 25 years. However, dependent children are covered with either of parents.

  • What are the sum insured options available under this plan?

    This policy can be purchased for sum insured 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. 

  • Is there any family discount offered under this policy?

    Yes. The policyholders are offered a family discount of 10% if 2 family members are covered and 15% if more than two members are covered under the policy. 

  • Until when can the policy be renewed?

    The policy is renewable for a lifetime.

  • Is there any co-payment clause under this policy?

    Yes. A co-payment of 5% is applicable to every admissible claim under this policy. 

  • Is there any sub-limit applicable to road ambulance under this policy?

    Yes. This policy covers road ambulance expenses for up to Rs. 2,000 per hospitalisation.

  • Is there any pre-acceptance medical screening required under this policy?

    Yes. Individuals aged above 45 years are required to go for pre-acceptance medical screening at network facilities. 

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

    Yes. You can pay the premium for this policy on monthly, quarterly, half-yearly, or annual instalments.

  • What are the medical expenses covered under this policy?

    This policy covers in-patient hospitalisation expenses and pre and post-hospitalisation expenses. 

View More Questions

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