HDFC ERGO Arogya Sanjeevani Policy Health Insurance

Arogya Sanjeevani Policy
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  • 10,000+ Network Hospitals
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  • 10,63,052 Policies Issued
  • 63% Incurred Claim Ratio
  • Lifelong Renewability
  • 84.08% Claim Settlement Ratio
  • 100% In-House Claim Settlement
  • Coronavirus (COVID-19) Cover

About HDFC ERGO Arogya Sanjeevani Policy Health Insurance

Arogya Sanjeevani Policy, HDFC ERGO Health is the latest health insurance product launched for your family. An affordable policy to invest in, Arogya Sanjeevani Policy, HDFC ERGO Health offers superior coverage for expenses incurred on medical treatment of illnesses as well as injuries that require in-patient hospitalization. An excellent feature of this standard policy is that it also provides cover for modern treatment methods and advancements in technology at a reasonable premium price. The policy also offers coverage for expenses incurred on hospitalization treatment of any infectious disease. Arogya Sanjeevani Policy, HDFC ERGO Health is an indemnity based plan, which comes with multiple premium payment modes like monthly, quarterly, half-yearly, and yearly so that its policyholders do not face any kind of financial inconvenience.

Easily available for a policy period of 1 year, the policy features an eligibility age range starting from 3 months up to 65 years. Provided in two product types, the individual sum insured basis or family floater sum insured basis, Arogya Sanjeevani Policy, HDFC ERGO Health has a sum insured range that lies between Rs. 1 Lakh up to Rs. 5 Lakh, in multiples of Rs. 50,000. As far as policy coverage is concerned, Arogya Sanjeevani Policy, HDFC ERGO Health takes care of your inpatient hospitalization, pre-hospitalization, post-hospitalization, in-patient hospitalization for AYUSH, all day care procedures, and cataract treatment. Last but not the least, it also provides you with tax benefits under Section 80D of the Income Tax Act. The policy also features a co-payment of 5% on all claims.

Key Inclusions and Exclusions of the Plan

What's Included

  • Pre & post-hospitalization for 30 and 60 days respectively
  • Emergency road ambulance expenses for Rs. 2,000 per hospitalization
  • Coverage for cataract surgery available under the policy, subject to sub-limit
  • Daycare procedures (24-hours hospitalisation not required), up to the sum insured
  • In-patient care treatment for AYUSH is covered under the policy
  • Cover for plastic surgery and dental treatment due to a disease or injury

What's Not Included

  • Admission for Rest Cure, rehabilitation and respite care
  • Surgical treatment expenses of obesity that don’t fulfill specific conditions
  • Treatment expenses due to hazardous or adventure sports participation
  • Expenses incurred on the treatment related to change of gender
  • Admission for the purpose of investigating and evaluation is not covered
  • Expenses for cosmetic or plastic surgery unless due to an accident or disease

Arogya Sanjeevani Policy Reviews

What users are saying
  • A reliable choice

    The InsuranceDekho platform is quite a reliable choice for all the customers seeking insurance plans. It helpe...

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    A
    By Aniket Verma
    On: Jun 18, 2020
  • Value for money product

    This Arogya Sanjeevani Plan is an amazing health insurance coverage offered by United India Insurance Company....

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    U
    By Umesh Rawat
    On: Jun 16, 2020
  • The best a family can get

    The Arogya Sanjeevani policy by HDFC ERGO Health is a plan that every family deserves. It has provided me and ...

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    R
    By Rahul Lamba
    On: Jun 13, 2020
  • User-friendly platform

    InsuranceDekho is a user-friendly insurance platform that helped me find this Arogya Sanjeevani Policy. The in...

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    S
    By Sumit Kumar
    On: Jun 12, 2020
  • Extensive coverage available

    The InsuranceDekho team offered me this plan for my family as it has got high coverage options that include en...

    Read More
    J
    By Jatin Saxena
    On: Jun 02, 2020

HDFC ERGO Arogya Sanjeevani Policy Brochure

  • 409.63 KB
  • PDF Document
  • Apr 17, 2020

Claim Process at HDFC ERGO 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 48 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 48 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

  • Does Arogya Sanjeevani Policy, HDFC ERGO Health come with the facility of cashless treatment?

    Yes! Cashless treatment facility is allowed under this policy.

  • Does Arogya Sanjeevani Policy, HDFC ERGO Health provide cover for all family members?

    Yes, Under Arogya Sanjeevani Policy, HDFC ERGO Health, you can avail cover for self, your legally wedded spouse, parents, parents- in-law, as well as dependent children. The age of your natural or legally adopted children should lie between 3 months to 25 years. Learn that in case, your child, above 18 years of age is financially independent, he or she will be excluded from the cover.

     

  • What are the sum insured options I can choose from under Arogya Sanjeevani Policy, HDFC ERGO Health?

    Rs. 1 Lakh, 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 are the sum insured options you can make a choice from, under this policy.

  • Does Arogya Sanjeevani Policy, HDFC ERGO Health cover modern treatment?

    Yes! Under Arogya Sanjeevani Policy, HDFC ERGO Health, you can expect coverage for modern treatment methods and advancements in technology like Robotic surgeries, Stereotactic radio surgeries, Uterine Artery Embolization and HIFU, Deep Brain stimulation, Balloon Sinuplasty, Oral chemotherapy, Immunotherapy, Intra vitreal injections, Stem cell therapy, Bronchial Thermoplasty, IONM - (Intra Operative Neuro Monitoring), and Vaporisation of the prostrate, up to 50% of the sum insured.

  • Am I allowed to avail cover for cataract treatment under Arogya Sanjeevani Policy, HDFC ERGO Health?

    Yes, you are! Please note that the cataract treatment under this policy comes with a sub-limit of 25% of sum insured or Rs. 40,000, whichever is lower, per eye, in one policy year.

     

  • What are the additional expenses I can get covered for under Arogya Sanjeevani Policy, HDFC ERGO Health?

    Under Arogya Sanjeevani Policy, HDFC ERGO Health, you can also gain coverage for expenses incurred on dental treatment and plastic surgery, if necessary due to a disease or an injury.

  • Am I eligible for the benefit of Cumulative Bonus under Arogya Sanjeevani Policy, HDFC ERGO Health?

    Yes! Arogya Sanjeevani Policy, HDFC ERGO Health comes with the benefit of cumulative bonus. Expect to find an increase in the sum insured by 5%, in respect of each claim free year, subject to a maximum of 50% of the sum insured. Please note that if you file for a claim, your cumulative bonus will be reduced at the same rate.

  • What is the waiting period under Arogya Sanjeevani Policy, HDFC ERGO Health?

    Under Arogya Sanjeevani Policy, HDFC ERGO Health, the initial waiting period is 30 days. The waiting period for pre-existing diseases is 48 months. Lastly, the waiting period for specific conditions, surgeries, and treatment is 24 months or 48 months.

  • What is the grace period for Arogya Sanjeevani Policy, HDFC ERGO Health?

    For policyholders choosing yearly-premium payment mode, the grace period is 30 days. For all other policyholders with other payment modes, the grace period is 15 days.

  • What is the free-look period for Arogya Sanjeevani Policy, HDFC ERGO Health?

    For Arogya Sanjeevani Policy, HDFC ERGO Health, free-look period, it is 15 days, from the date of receipt of the policy.

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