Arogya Sanjeevani Policy

• AYUSH Benefit - It includes hospitalization expenses incurred on obtaining alternative treatments, such as Ayurveda, homeopathy, Siddha, etc, at an approved hospital.
• ICU/ ICCU Charges - The policy pays up to 5% charges of the treatment taken in the ICU (Intensive Care Unit) or ICCU (Intensive Coronary Care Unit) of the total sum insured up to a maximum Rs. 10,000 per day.
• Room Rent - It covers the room rent of the hospital up to a maximum of Rs. 5,000 per day.
• Ambulance Services - It covers the cost of ambulance services up to a maximum cap of Rs. 2,000 per hospitalization.
• Daycare Treatment - It covers the expenses arising out of any daycare treatment procedures.
• Plastic Surgery and Dental Treatment - The cost of any dental or plastic surgery treatment taken as a result of an illness or injury is also covered.
• Cataract Surgery - It also covers the cost of cataract surgery for each eye up to a maximum of Rs. 40,000 or 25% of the total sum insured amount, whichever is less.
• New Age/ Modern Treatment - This policy also covers the cost of modern/ new age treatment up to a maximum of 50% of the total sum insured amount.

• Oral Chemotherapy
• Robotic Surgeries
• Stem Cell Therapy (Bone marrow transplant through Hematopoietic stem cells for hematological conditions)
• Stereotactic Radio Surgeries
• Uterine Artery Embolization and High Intensity Focussed Ultrasound (HIFU)
• Vaporisation of the Prostate (Green Laser/ Holmium Laser treatment)

• Sum insured ranging from Rs. 1 lakh to Rs. 5 lakhs
• Available in Individual as well as Family Floater basis
• Covers hospitalization expenses related to COVID-19 (Coronavirus)

• Lower Co-payment Option - It offers a lower co-payment option of only 5% of the total claim amount, which means the applicant will have to pay the only 5% of the total claim amount at the time of settlement.
• Cumulative Bonus - Just like other medical insurance policies, the Arogya Sanjeevani Health Plan also rewards a cumulative bonus of 5% on the total sum insured amount for every claim-free year.
• Boon for First-Time Buyers - This is the perfect stepping & an ideal choice for a first-time health insurance buyer as he will be able to get a wide range of coverage at minimum cost without the hassles of understanding the pros and cons of different kinds of health plans.
• Lifetime Renewability - It comes with lifetime renewability that allows policyholders to renew their policies for as long as they live.

• Gender-change Treatment - It will not cover the cost of taking any treatment for changing the gender.
• Cosmetic or Plastic Surgery - Any expenses incurred on cosmetic or plastic surgery which is not required as a result of an accident, cancer, burn injury or medically necessary treatment will not be covered.
• Maternity Expenses - It will not cover the cost of any treatment related to pregnancy and child birth.
• OPD Treatment - It will not cover the cost of any OPD or out-patient treatment taken by the policyholder.
• Adventure/ Hazardous Sports – Under this medical insurance does not cover any medical treatment expenses arising due to participation in a hazardous or adventure sports, such as rock climbing, sky diving, para-jumping, deep-sea diving, mountaineering, etc, as a professional.
• Breach of Law - It will not cover any expenses incurred due to breaching the law with a criminal intention.
• Alcohol/ Drug addiction - Any expenses arising out of the treatment for addiction of alcohol or drug or substance abuse will not be covered.
• Dietary Supplements - It will not cover the cost of purchasing any dietary substance or supplements, such as minerals, vitamins, etc., without a prescription.
• Unproven Treatment - This policy will not cover the cost of any unproven treatment taken by the policyholder.
• Infertility and Sterility - It will not cover any expenses arising out of infertility or sterility.
• Domiciliary hospitalization - Any expenses arising out of domiciliary hospitalization will not be covered.
• Nuclear attack or War - This policy will not cover any claims arising out of a nuclear attack or a war/ war-like situation.
• Treatment outside India - It will not cover the expenses incurred on receiving any outside India.

The Arogya Sanjeevani Health Policy comes with the following waiting periods:

• Initial Waiting Period - An initial waiting period of 30 days from the date of policy commencement for all claims except accidental claims.
• Pre-Existing Disease - A waiting period of 4 years for coverage of pre-existing disease or medical condition.
• Specific Illness/ Treatment - A waiting period of 2/ 4 years for coverage of specific treatments such as tonsillectomy, benign prostate hypertrophy, hernia, cataract, internal congenital anomalies, age-related osteoporosis/ osteoarthritis, joint replacement treatment, etc.

In order to buy Arogya Sanjeevani Health Insurance Policy, the policyholder will need to compare the premium quotes using the Arogya Sanjeevani Policy Premium Calculator. After comparing premium and choosing this plan, the policyholder will have to fill up the proposal form and pay the premium online. The Arogya Sanjeevani Policy will be issued online.

However, it is mandatory for insurance providers to issue the policy document in physical form even if it has been purchased online. Moreover, the IRDAI has also directed all health insurance companies to offer a certificate of insurance to the policyholders specifying the Arogya Sanjeevani Policy details including the terms and conditions.