Tata AIG Arogya Sanjeevani Health Insurance Wordings

Yes. Arogya Sanjeevani Policy, Tata AIG covers cataract surgery, up to 25% of the sum insured or Rs. 40,000, whichever is lower per eye under one policy year.

Yes. The policy is subject to a co-payment of 5% on the claim amount for every claim.

The insurance company will indemnify the expenses incurred for the treatment under Ayurveda, Yoga and Naturopathy, Unani, Siddha and Homeopathy (AYUSH) for every policy year sum insured limit.

Tata AIG under Arogya Sanjeevani Policy offers different sum insured options, including Rs. 1 Lakh, 1.5 Lakh, 2 Lakh, 2.5 Lakh, 3 Lakh, 3.5 Lakh, 4 Lakh, 4.5 Lakh, 5 Lakh.

Yes. You can enjoy tax saving benefits under Section 80D of the Income Tax Act.

The Arogya Sanjeevani Policy, Tata AIG provides coverage for modern treatment up to 50% of the Sum Insured. The list of modern treatment procedures includes:

1. Uterine Artery Embolization & High Intensity Focused Ultrasound (HIFU)

2. Balloon Sinuplasty

3. Deep Brain Stimulation

4. Oral Chemotherapy

5. Immunotherapy- Monoclonal Antibody to be given as injection

6. Intra vitreal Injections

7. Robotic Surgeries

8. Stereotactic Radio Surgeries

9. Bronchial Thermoplasty

10. Vaporisation of the Prostate (Green laser treatment or holmium laser treatment)

11. Intra Operative Neuro Monitoring (IONM)

12. Stem Cell Therapy: Hematopoietic stem cells for bone marrow transplant for haematological conditions to be covered only

Yes. You can enjoy 5% of the sum insured as the cumulative bonus in every claim-free year, which is subject to a maximum of 50% of the sum insured under the current policy year. However, you need to renew the policy with the company without a break. For details, call us at 7551196989.

Yes. You can switch the insurer at the time of policy renewal in case you are not satisfied with the service.

It is important to note that Arogya Sanjeevani Policy of Tata AIG comes with a waiting period of 48 months. After this period, the policy will cover pre-existing diseases. However, there are some permanent exclusions as well. To know them, click here.