United India Arogya Sanjeevani Policy Health Insurance

Arogya Sanjeevani Policy
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  • 7,000+ Network Hospitals
    Check in your City
  • 11,82,067 Policies Issued
  • 110.95% Incurred Claim Ratio
  • Lifelong Renewability
  • 79.72% Claim Settlement Ratio
  • Dedicated Claim Settlement
  • Coronavirus (COVID-19) Cover

About United India Arogya Sanjeevani Policy Health Insurance

Arogya Sanjeevani policy is being offered by United India Insurance is a new standard health insurance policy set by the IRDAI, this is a well-designed policy, financially assisting you in an emergency. It is available on both, individual basis and family floater basis. If the plan is bought on the family floater basis, it not just secures your health but the health of your family as well. Any person aged between 18 years and 65 years can take the policy for himself and his/her family, including self, spouse, dependent children, parents and parents-in-law, either on individual sum insured basis or on floater basis. Beyond 65 years, only renewals are allowed. 

The policy covers children from 3 months to 18 years provided either or both parents are covered concurrently. Children can be covered till the age of 25 years if they are financially dependent. Further, United India Arogya Sanjeevani Policy comes with the sum insured of Rs. 1 Lakh to Rs. 5 Lakh. And it is available for a period of 1 year but can be renewed lifetime. The best part is that it covers cataract surgery, AYUSH treatment, in-patient hospitalization, daycare treatment, road ambulance pre and post hospitalisation.

Key Inclusions and Exclusions of the Plan

What's Included

  • 30 days pre and 60 days post-hospitalization expenses coverage
  • Expenses incurred on AYUSH treatment up to the sum insured
  • Road ambulance subject to a maximum of Rs. 2000 per hospitalisation
  • Day care procedures (they do not require hospitalisation for 24 hours)
  • Plastic surgery and dental treatment if part of medically necessary treatment
  • Expenses incurred on treatment of cataract subject to the sub limit

What's Not Included

  • Any expenses related to OPD treatment and domiciliary hospitalization
  • Maternity expenses for miscarriage & unlawfully terminating pregnancy
  • Medical expenses for the hospitalisation or treatment taken outside India
  • Medical expenses arising out of drugs, alcoholism, or substance abuse
  • Treatment costs owing to chemical, nuclear or biological attack or weapons
  • Medical treatment expenses for obesity or weight management program

Arogya Sanjeevani Policy Reviews

What users are saying
  • Adequate coverage

    The Arogya Sanjeevani Policy offered by United India holds a sufficient amount of coverage to cover my family....

    Read More
    K
    By Kartik Singh
    On: Jun 18, 2020
  • Very beneficial health insuran...

    I purchased this Arogya Sanjeevani Plan from InsuranceDekho plan. After availing the benefits of this policy, ...

    Read More
    P
    By Pradeep Sinha
    On: Jun 16, 2020
  • Awesome claim support

    I have an Arogya Sanjeevani Plan of United India. A few weeks ago, I made a health insurance claim that got se...

    Read More
    R
    By Ravi Malik
    On: Jun 11, 2020
  • Useful for family!

    Arogya Sanjeevani Policy United India is useful for me and my family. I am now not worried about the health of...

    Read More
    S
    By Sunil Sinha
    On: May 07, 2020
  • Good enough!

    This policy of United India is good enough! I have purchased this policy on the family floater. Though sum ins...

    Read More
    G
    By Govind Srivastava
    On: May 06, 2020

United India Arogya Sanjeevani Policy Brochure

  • 1.03 MB
  • PDF Document
  • May 07, 2020

Claim Process at United India 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

  • Is there any sub-limit under Arogya Sanjeevani Policy, United India Insurance?

    Yes. Arogya Sanjeevani Policy, United India Insurance provides room rent, boarding, nursing expenses with a sub-limit of 2% of the sum insured subject to a maximum of Rs. 5000/- per day. Similarly, up to 5% on ICU/ICCU expenses subject to a maximum of Rs. 10,000/- per day. For details click here.

  • Is the coverage for cataract surgery available under the plan?

    Yes. Coverage for cataract surgery is available, but up to 25% of sum insured or Rs. 40,000, whichever is lower, per eye, under one policy year.

  • Is there any co-payment clause under the Arogya Sanjeevani Policy, United India Insurance?

    Yes, there is. Arogya Sanjeevani Policy, United India Insurance is subject to a co-payment of 5% on the claim amount for each and every claim.

  • What are the options for AYUSH Treatment under Arogya Sanjeevani Policy, United India Insurance?

    United India Insurance provides coverage for the expenses incurred for the treatment under Ayurveda, Yoga and Naturopathy, Unani, Siddha and Homeopathy. The coverage benefit is available for every policy year sum insured limit specified in the policy schedule in any AYUSH Hospital.

  • What are the sum insured options under the Arogya Sanjeevani Policy, United India Insurance?

    Arogya Sanjeevani Policy, United India Insurance comes with the 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.

  • Is tax benefit available under the policy?

    Yes. You can enjoy tax benefits under Section 80D of the Income Tax Act against the premium paid against the Arogya Sanjeevani Policy, United India Insurance.

  • What is modern treatment under Arogya Sanjeevani Policy, United India Insurance?

    The Arogya Sanjeevani Policy offered by United India Insurance Company provides coverage for modern treatment. The list of this treatment includes:

        A) Uterine Artery Embolization & High Intensity Focused Ultrasound (HIFU)
        B) Balloon Sinuplasty
        C) Deep Brain Stimulation
        D) Oral Chemotherapy
        E) Immunotherapy- Monoclonal Antibody to be given as an injection
        F) Intra vitreal Injections
        G) Robotic Surgeries
        H) Stereotactic Radio Surgeries
        I) Bronchial Thermoplasty
        J) Vaporisation of the Prostate (Green laser treatment or holmium laser treatment)
        K) Intra Operative Neuro Monitoring (IONM)
        L) Stem Cell Therapy: Hematopoietic stem cells for bone marrow transplant for haematological conditions to be covered only 

  • What is the option for Cumulative Bonus under the Arogya Sanjeevani Policy offered by United India Insurance Company?

    Cumulative Bonus is increased by 5% in every claim-free policy year, provided you get the policy renewed with the company without a break subject to a maximum of 50% of the sum insured under the current policy year. For details, call us at 7551 1969 89.

  • What diseases are not covered under the policy?

    It is important to learn that Arogya Sanjeevani Policy, United India Insurance comes with a waiting period of 4 years after which the pre-existing diseases are covered. However, there is a permanent exclusion under the policy as well. To access the list, click here.

  • What are the grace period and free-look period under the Arogya Sanjeevani Policy, United India Insurance?

    The grace period is 30 days for yearly payment mode and 15 days for other payment modes. The free-look period is 15 days.

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