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United India Arogya Sanjeevani Health Insurance

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United India Health Insurance
Arogya Sanjeevani Policy
Claim SettlementDedicated Team
Claim Settlement Ratio78.03%
COVID-19 CoverYes
Network Hospitals7,000+
Policies Sold11,82,067
RenewabilityLifelong

About United India Arogya Sanjeevani 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, an individual basis and a family floater basis. If the plan is bought on a 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 an individual sum insured basis or on a floater basis. Beyond 65 years, only renewals are allowed.

This health insurance 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.

Read more: Arogya Sanjeevani Policy

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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

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Arogya Sanjeevani Policy User Reviews

4.6
Rating based on
221 User reviews
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What users are saying
  • All
  • Information on Arogya Sanjeeva...

    Arogya Sanjeevani Policy is a Standard Health Insurance Product (SHIP). To learn more about this policy, I checked in to InsuranceDekho. I also got to know about the insurers that provide this policy plan to their clients. I chose United India’s Arogya Sanjeevani Policy for my family.

    Read More

    S
    By Shreya Nandy
    On: Dec 02, 2020
  • A good choice

    United India’s Arogya Sanjeevani Policy is perfect for me. Though i have not made a claim yet, i really liked how smooth the entire purchase process and other services were. I appreciate insurancedekho’s help. Keep it up!

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    P
    By Pooja Misra
    On: Oct 29, 2020
  • Adequate coverage

    The Arogya Sanjeevani Policy offered by United India holds a sufficient amount of coverage to cover my family. Apart from serving with different features, the policy covers my medical expenses up to Rs. 5 lakh. I bought this plan via InsuranceDekho.

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    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, I can say that it is a great plan that can take care of my family in the best possible manner with its unique and useful benefits.

    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 settled within two days. The InsuranceDekho team helped me in filing the claim request which helped me get my claim so easily.

    Read More

    R
    By Ravi Malik
    On: Jun 11, 2020
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United India Arogya Sanjeevani Policy Brochure

  • 1.03 MB
  • PDF Document
  • May 07, 2020
Download PDF

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.

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FAQs on Arogya Sanjeevani Policy Health Insurance Plan

  • 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.

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