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Liberty Arogya Sanjeevani Health Insurance

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Liberty Health Insurance
Arogya Sanjeevani Policy
Claim Settlement Ratio97%
COVID-19 Coveryes
Network Hospitals6,000
Pre-existing Disease Waiting Period2 years
Renewabilityyes
Starting Premium of Rs. 5 lakhs SIRs. 526/month

About Liberty Arogya Sanjeevani Health Insurance

Arogya Sanjeevani Policy, Liberty General Insurance is a standard health insurance policy that is not only easy to understand but also offers adequate cover for major healthcare expenses. The policy can be purchased on an individual or family floater sum insured basis, for sum insured options ranging between Rs. 1 Lakh and Rs. 5 Lakh (in multiples of Rs. 50,000). It is an annual policy that comes with lifetime renewability benefits. You can be the Proposer for this policy if you are aged at least 18 years. The maximum entry age for this policy is 65 years. You can also add dependent children under the policy if they are aged between 3 months and 25 years. Other members that you can under the policy include a legally wedded spouse, parents, and parents-in-law. Note that maximum 3 children can be covered under the policy on a family floater basis.

Arogya Sanjeevani Policy, Liberty General Insurance comes with a wide range of coverage benefits such as in-patient hospitalisation expenses, pre-hospitalisation expenses, post-hospitalisation expenses, treatments taken under AYUSH systems of medicines, road ambulance expenses, plastic surgery and dental treatments, cataract surgery, new age treatments, etc. Other benefits offered under the policy include tax benefits under Section 80D of the Income Tax Act, 1961, renewability benefits, cumulative bonus, etc. All in all, the policy is a good option for people looking for COVID-19 cover, people looking for basic and affordable health insurance cover, and the ones who are buying health insurance for the first time.

Read more: Arogya Sanjeevani Policy

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Key Inclusions and Exclusions of the Plan

What's Included

  • In-patient hospitalisation expenses
  • 30 days pre-hospitalisation and 60 post-hospitalisation expenses
  • Treatments taken under AYUSH systems of medicines
  • Daycare treatments
  • Emergency road ambulance expenses for up to Rs. 2,000 per hospitalisation
  • Expenses related to new age treatments

What's Not Included

  • Outpatient treatment expenses
  • Domiciliary hospitalisation expenses
  • Dietary supplements that can be purchased without prescription
  • Admission for the purpose of investigation and evaluation
  • Treatments required due to participation in adventure sports like mountain climbing
  • Treatment taken outside India

Claim Process at Liberty 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.

FAQs on Arogya Sanjeevani Policy Health Insurance Plan

  • What are the sum insured options that I can choose from under Arogya Sanjeevani Policy?

    Arogya Sanjeevani Policy comes with sum insured options 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. Note that you choose higher sum insured, you will be required to pay higher premiums. 

  • What are the waiting periods under Arogya Sanjeevani Policy, Liberty General Insurance?

    Arogya Sanjeevani Policy, Liberty General Insurance comes with the following waiting periods: 

    • Initial waiting period of 30 days from the date of policy policy start
    • Waiting period of 24 months and 48 months for specific diseases
    • Waiting period of 48 months for pre-existing illnesses

     

  • Can I avail tax benefits under Arogya Sanjeevani Policy offered by Liberty General Insurance?

    Yes. You can avail tax benefits on the premium paid for Arogya Sanjeevani Policy offered by Liberty General Insurance, under Section 80D of the Income Tax Act, 1961.

  • Will I be required to undergo pre-medical check-up for this policy?

    There is no requirement of pre-medical check-up under Arogya Sanjeevani Policy for people aged up to 45 years who have no medical history. 

  • Does Arogya Sanjeevani Policy offer cumulative bonus?

    Yes. If covered under Arogya Sanjeevani Policy, you can avail cumulative bonus of 5% for every year a claim is not made, for a maximum of 50%. 

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