Digit Arogya Sanjeevani Policy Health Insurance

Arogya Sanjeevani Policy
5 reviews Rate This
  • 5,900+ Network Hospitals
    Check in your City
  • 865 policies issued
  • 11% Incurred Claim Ratio
  • Lifelong Renewability
  • Free Health Check-up
  • Dedicated Claim Settlement
  • Coronavirus (COVID-19) Cover*

About Digit Arogya Sanjeevani Policy Health Insurance

Arogya Sanjeevani Policy is a new addition in the list of plans offered by Go Digit General Insurance Company. Developed by IRDAI, this product was launched on 1st April 2020 with an aim to offer basic healthcare cover to the policyholders for them and their families. An affordable and easy to understand the policy, Go Digit Arogya Sanjeevani Policy can be purchased by persons aged between 18 years to 65 years on individual or floater basis. On a floater basis, they can cover Self, legally-wedded Spouse, Dependent Children, Parents, and Parents in-law in different combinations for the number of adults and children. It is an annual policy that policy offers various sum insured options ranging between Rs. 1 Lakh to Rs. 5 Lakh. When buying this policy, you get flexibility for paying the premium in installments on a monthly, quarterly, half-yearly, and annual basis. The policy comes with a minimum co-payment of only 5%. This means that the policyholders will have to pay only 5% of the total claim amount for every claim. 

The highlighted benefits under the Go Digit Arogya Sanjeevani Policy include an affordable premium, lifelong renewability, 15 days free look period, grace period, portability benefit, and cumulative bonus for every claim-free year up to a specific limit. The policy also boasts for covering hospitalisation expenses incurred due to the novel coronavirus or COVID-19. 

Key Inclusions and Exclusions of the Plan

What's Included

  • In-patient expenses incurred on AYUSH treatments
  • Expenses for treatment of Cataract for each eye up to a specific limit
  • Ambulance services with a maximum cap of Rs. 2,000 per hospitalisation
  • Plastic surgery and dental treatments necessitated due to an injury/disease
  • 30 days pre and 60 days post-hospitalisation expenses due to illness/accident
  • Expenses on modern treatments such as balloon sinuplasty, oral chemotherapy.

What's Not Included

  • Expenses related to the treatment of refractive error
  • Any treatment taken outside the geographical boundaries of India
  • Expenses arising from unproven treatment, services, and supplies
  • Expenses incurred on OPD treatment and domiciliary hospitalisation
  • Expenses on the treatment done for evaluation and investigation purpose
  • Expenses for treatment required due to participation in adventure sports.

Arogya Sanjeevani Policy Reviews

What users are saying
  • Easy to Understand

    The policy has standard features across all insurers and therefore it is easy to understand too. I got it from...

    Read More
    C
    By Chinansuka
    On: Jun 21, 2020
  • Affordable Plans

    This is an affordable health insurance policy that covers almost all basic healthcare expenses at an affordabl...

    Read More
    G
    By Gulshan Malhotra
    On: Jun 19, 2020
  • Nice Experience

    The policy covers me and my family for basic healthcare expenses. The best part is that the policy comes at an...

    Read More
    G
    By Gauri Pradhan
    On: Jun 18, 2020
  • Nice features

    The policy has nice features. I got all what I wanted like pre and post hospitalisation cover, cover for catar...

    Read More
    S
    By Sakshi Chawla
    On: Jun 17, 2020
  • Satisfied with services of Ins...

    While searching for a good health insurance plan in India for my family, I landed on the website of InsuranceD...

    Read More
    G
    By Gaurav Patel
    On: Jun 17, 2020

Digit Arogya Sanjeevani Policy Brochure

  • 402.23 KB
  • PDF Document
  • Jun 17, 2020

Claim Process at Go Digit 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 24 hours and for planned hospitalisation intimate within 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 24 hours and for planned hospitalisation intimate within 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

  • Who all can be covered under Go Digit Arogya Sanjeevani policy?

    You can cover yourself under the individual plan type and your legally-wedded Spouse, Dependent Children, Parents, and Parents in-laws along with yourself under the family floater plan type.

     

  • Can I pay the premium for Go Digit Arogya Sanjeevani policy in installments?

    Yes. You can pay the premium for this policy in monthly, quarterly, half-yearly, and yearly installments. 

     

  • What is the policy period for Go Digit Arogya Sanjeevani Policy

    Go Digit Arogya Sanjeevani Policy is available for a policy term of 1 year. The policy needs to be renewed annually thereafter. 

     

  • Is there a waiting period involved under any coverage in Go Digit Arogya Sanjeevani Policy?

    Yes. A waiting period is a time when certain coverages are not active. The policyholders need to complete a waiting period for the following treatments under the Go Digit Arogya Sanjeevani Policy:

    • Pre-existing diseases: 48 months
    • Joint replacement treatments: 48 months
    • Age-related Osteoarthritis and Osteoporosis: 48 months
    • Some specific illnesses: 24 months
    • Initial waiting period after buying a policy: 30 days
  • Does the policy cover hospitalisation expenses related to the coronavirus disease?

    Yes. The Go Digit Arogya Sanjeevani Policy covers hospitalisation expenses arising due to the coronavirus (COVID-19). 

     

  • How is buying Go Digit Arogya Sanjeevani Policy on an individual basis different from buying it on a floater basis ?

    You can buy Go Digit Arogya Sanjeevani Policy either on an individual or a floater basis. On an individual basis, the sum insured for each family member is different. Whereas on a floater basis, the entire family will share the single sum insured opted. In both the cases, the sum insured options range between Rs. 1 Lakh to Rs. 5 Lakh (in multiples of 50,000).

     

  • Is there any limit on room rent or ICU/ICCU charges covered under Go Dit Arogya Sanjeevani Policy?

    Yes. The policy covers room rent charges for up to 2% of the sum insured up to a maximum of Rs. 5,000 per day. Whereas ICU/ICCU charges are covered for up to 5% of the sum insured up to a maximum of Rs. 10,000 per day.  

     

  • What are the new age treatments covered under Go Digit Arogya Sanjeevani policy?

    Go Digit Arogya Sanjeevani Policy covers the following new age or modern treatments up to 50% of the total sum insured:

    • Uterine Artery Embolization and High Intensity Focused Ultrasound
    • Balloon Sinuplasty
    • Oral Chemotherapy
    • Robotic Surgeries
    • Bronchial Thermoplasty
    • Intra vitreal injections
    • Intra Operative Neuro Monitoring
    • Immunotherapy-Monoclonal Antibody to be given as an injection
    • Vaporisation of the prostrate
    • Deep Brain Stimulation
    • Stereotactic radio surgeries 
  • Until what age can I renew Go Digit Arogya Sanjeevani policy?

    The policy is renewable at all times during the lifetime of the policyholder.

     

  • Is there any cumulative bonus offered to the policyholders under Go Digit Arogya Sanjeevani policy?

    Yes. The policyholders enjoy a cumulative bonus of 5% for every year a claim is not made. This reward can go up to a maximum of 50% bonus in your sum insured. 

     

Latest Health Articles