Edelweiss Arogya Sanjeevani Policy Health Insurance

Arogya Sanjeevani Policy
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  • 2,578+ Network Hospitals
    Check in your City
  • 10,449 Policies Issued
  • 115% Incurred Claim Ratio
  • Lifelong Renewability
  • Health Checkup For Claim-Free Year
  • Dedicated Claim Settlement
  • Coronavirus (COVID-19) Cover

About Edelweiss Arogya Sanjeevani Policy Health Insurance

Edelweiss Arogya Sanjeevani Policy is the latest product launched by Edelweiss General Insurance. Available on individual and floater sum insured basis, the policy covers hospitalisation expenses arising due to any illness, sickness, disease, or accident for a policy term of one year. The policyholders can avail of reimbursement or cashless treatment facility under this policy. Anyone aged between 18 years to 65 years can be the Proposer under this policy. One can also add other family members including legally-wedded Spouse, Dependent children, Dependent parents, and Dependent Parents in-law. The company gives the flexibility of paying premiums in instalments under this policy. So, you can pay in monthly, quarterly, half-yearly, and yearly instalments for this affordable policy.  

The policy comes with a wide array of benefits for the policyholders such as portability benefits, 15 days free look period, cumulative bonus between 5%-50%, lifetime renewability benefit, cover for modern treatments, cover for road ambulance expenses up to a specific limit, cover for cataract treatment, and grace period. One of the striking features of the policy is that it comes with a minimum co-payment of 5% ensuring less burden on the policyholders.

Key Inclusions and Exclusions of the Plan

What's Included

  • ICU/ICCU charges up to a specific limit
  • AYUSH treatments up to sum insured limit
  • Cover for expenses arising due to daycare treatments
  • Room rent, boarding, nursing charges up to a specific limit
  • Dental treatment and plastic surgery necessitated due to disease or injury
  • 30 days pre-hospitalisation and 60 days post-hospitalisation expenses

What's Not Included

  • Expenses related to OPD treatment
  • Expenses related to domiciliary hospitalisation
  • Expenses incurred on diagnostic or investigative tests
  • Expenses traceable to childbirth except for ectopic pregnancy
  • Expenses related to plastic surgery unless following an accident
  • Expenses related to treatment of any illness within 30 days of policy issuance

Arogya Sanjeevani Policy Reviews

What users are saying
  • Amazing service

    InsuranceDekho offered me amazing services last week when I purchased the Edelweiss Arogya Sanjeevani Policy f...

    Read More
    R
    By Rahul Jain
    On: Jun 02, 2020
  • Best plan ever

    The Edelweiss Arogya Sanjeevani Policy is not only a standard plan that is easy to understand but an affordabl...

    Read More
    J
    By Jasmeet Kaur
    On: Jun 02, 2020
  • Highly recommended policy

    I recommend Edelweiss Arogya Sanjeevani Policy to all my friends and family members who are looking out for an...

    Read More
    N
    By Nishchay Yadav
    On: Jun 02, 2020
  • Easy buying procedure

    The team at InsuranceDekho helped me a lot in buying this plan online. All I did was talk to the executives an...

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    P
    By Praful Goel
    On: Jun 02, 2020
  • Allows you to pay in installme...

    I was happy to buy Edelweiss Arogya Sanjeevani Policy as it allowed me to pay the premium in instalments. They...

    Read More
    V
    By Vijay Vaish
    On: Jun 02, 2020

Edelweiss Arogya Sanjeevani Policy Brochure

  • 2.12 MB
  • PDF Document
  • Jun 02, 2020

Claim Process at Edelweiss 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 within 48 hours and for planned hospitalisation intimate 72 hours 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 within 48 hours and for planned hospitalisation intimate 72 hours 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.

Arogya Sanjeevani Policy FAQs

  • Can I purchase this policy on an individual sum insured basis?

    Yes. You can purchase Edelweiss Arogya Sanjeevani Policy on an individual or floater sum insured basis.

  • How many members can be included under this policy?

    The policy covers up to 8 family members. These may include Self, Spouse, Dependent children, dependent parents, and dependent parents-in-law. 

  • Is there any limit on the age of the policyholder for the renewal of this policy?

    No, there is no limit on the age of the policyholder for the renewal of the Edelweiss Arogya Sanjeevani Policy.

  • Are pre-existing diseases covered under this policy?

    Yes. The policy covers pre-existing diseases declared in the proposal form and accepted by the insurer after a waiting period of 4 years. 

  • Is there any limit on cover for cataract treatment under this policy?

    Yes. The policy covers cataract treatment for up to 25% of the sum insured or Rs. 40,000, whichever is lower. The cost mentioned is for one eye, per policy year. 

  • Does the policy provide cover for AYUSH treatment?

    Yes. The policy covers expenses related to in-patient care treatment under Ayurveda, Yoga and Naturopathy, Unani, Siddha, and Homeopathy systems of medicines up to the sum insured during every policy term as specified in the policy schedule.

  • When should I notify the company/TPA in case of a claim?

    In case of emergency hospitalisation, the insured person should notify the company/TPA within 24 hours after hospitalisation or before discharge whichever is earlier. Whereas in the case of planned hospitalisation, the company/TPA should be notified at least 48 hours before hospitalisation.

  • Can I be denied renewal if I make a claim under this policy?

    No. Renewals are not denied on the basis of claims made in the current or preceding policy years. 

  • Will I get a free look period under this policy?

    Yes. The policy offers its policyholders a free look period of 15 days at the time of inception of the policy or at the time of porting the policy. 

  • Can I change the chosen sum insured under this policy?

    Yes. You can increase or decrease the sum insured at the time of renewal or at any time, subject to underwriting by the company.  

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