Aditya Birla Arogya Sanjeevani Policy

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      Aditya Birla Arogya Sanjeevani Policy

      Aditya Birla Health Insurance Co. Ltd. provides Arogya Sanjeevani health plan as per the IRDAI guidelines. It is a standard medical insurance product that helps uninsured people avail the best healthcare services at an affordable premium. Aditya Birla Arogya Sanjeevani policy offers sum insured options from Rs 1 lakh to Rs 5 lakh. Here are all the details regarding the policy features, inclusions, and exclusions.

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      Eligibility Criteria

      Criteria

      Specifications

      Entry Age Criteria

      18-65 years

      Dependent Children

      3 months-25 years

      Sum Insured

      Rs 1 lakh to Rs 5 lakh

      Co-payment

      5%

      Coverage Type

      Individual/Family Floater

      Cumulative Bonus

      5% for claim-free year

      Cashless Hospitals

      8400+

      Premium Starting

      Rs 5117/ per year

      Key Features of Aditya Birla Arogya Sanjeevani Policy

      Aditya Birla Arogya Sanjeevani policy offers the following features and benefits to the insured:

      • Once you get admitted to a network hospital you can avail cashless treatment in the network hospitals
      • Aditya Birla Arogya Sanjeevani policy provides a 5% increase in the sum insured for every claim-free year
      • The policy tenure option is 1-year on both individual and family floater basis
      • Any treatment can be availed after the completion of 30-days of the waiting period
      • Pre-existing diseases are covered after a waiting period of 48-months
      • There is compulsory co-payment of 5%
      • Specific illnesses like hernia, cataract are claimable after a waiting period of 24-months

      Inclusions of Aditya Birla Arogya Sanjeevani Policy

      Aditya Birla Arogya Sanjeevani policy covers the following expenses during the policy term:

      • The insured can file claim for Intensive Care Unit (ICU)/Intensive Critical Care Unit (ICCU) expenses. The limit is up to Rs 10,000 or 5% of the sum insured per day
      • Cataract treatment coverage limit is 25% of the sum insured or a maximum of Rs 40,000
      • In-patient Ayush treatment expenses under Homeopathy, Ayurveda, Unani, Naturopathy, Yoga, and Siddha are payable up to the sum insured limit
      • Aditya Birla Arogya Sanjeevani policy also includes room rent and nursing charges up to Rs 5000 or a maximum of 2% of the sum insured
      • You can also file a claim for p30 days of pre-hospitalization expenses and 60 days of post-hospitalization expenses
      • This Arogya Sanjeevani health insurance plan covers all the daycare procedures

      Exclusions of Aditya Birla Arogya Sanjeevani Policy

      During the policy tenure following claims are not permissible under the Arogya Sanjeevani health policy:

      • Any health emergency resulting due to war,  the act of a foreign enemy, revolution, and similar acts shall be excluded from claims
      • The policy covers  the expenses incurred OPD charges and domiciliary or home treatment
      • Treatment for drugs, alcoholism, and substance abuse are excluded as well
      • Treatments received in spas, nature cure clinics, or similar establishments are not covered
      • Any treatment that is received outside the geographical limits of India cannot be claimed under the Arogya Sanjeevani medical insurance policy

      If you want to buy Arogya Sanjeevani health insurance policy then you can write to us at care@policybazaar.com or speak to us at 1800-708-8787.

      FAQs

      Policybazaar exclusive benefits
      • 30 minutes claim support*(In 120+ cities)
      • Relationship manager For every customer
      • 24*7 claims assistance In 30 mins. guaranteed*
      • Instant policy issuance No medical tests*
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      Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.

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      *We will respond in the first instance within 30 minutes of the customers contacting us. 30-minute claim support service is for the purpose of giving reasonable assistance to the policyholder in pursuance of the claim. Settlement of claim (including cashless claim) is the responsibility of the insurer as per policy terms and conditions. The 30-minute claim support is subject to our operations not being impacted by a system failure or force majeure event or for reasons beyond our control. For further details, 24x7 Claims Support Helpline can be reached out at 1800-258-5881. Product information is authentic and solely based on the information received from the Insurer. Policybazaar is acting only as a facilitator and claims settlement shall be at the sole discretion of the Insurer. As per the Insurance guidelines, you are allowed to cancel the policy with-in 15 days from the date of Issuance of policy. For more details, please read the Plan Brochure carefully or talk to our advisor at the time of purchase.

      *All the health insurance plans cover hospitalization expenses including COVID-19 treatment cover up to the specified limits. You can also buy specific COVID-19 health insurance policies such as Corona Kavach Policy and Corona Rakshak policy.

      **All savings and online discounts are provided by insurers as per IRDAI approved insurance plans. #Tax Benefits are subject to changes in tax laws. GST Exemptions depend on fulfilment of qualification criteria and submission of relevant documents.

      *₹1748/month is the starting price for a 1 crore health insurance for an 18-year-old male, with no pre-existing diseases. Discount on renewal premium is subject to the number of wellness points earned in the health insurance policy. For more details about the plans, please read the sale brochure carefully to get upto 100% discount on renewal premium.

      *₹400/month is the starting price for ₹ 5 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹541/month is the starting price for ₹ 10 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹762/month is the starting price for ₹ 1 Crore Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹243/month(₹ 8/day) is the starting price for a 5 lakh health insurance for a 20-year-old male, non-smoker, living in Bengaluru with no pre-existing diseases

      *₹2020/month is the starting price for ₹ 1 Cr Health insurance for a 50 year old male & 50 years old female, living in Bangalore with no pre-existing diseases rounded off to nearest 10.

      *₹390/month (₹13 per day) is starting price for 1 cr. Health insurance for 25 years old male, with pre-existing diseases, residing from tier 1 city rounded off to the nearest 10.

      *No medical tests are required unless requested by the insurer’s underwriter. In-case of pre-existing diseases relevant medical proof would be required as per the terms and condition of the policy opted.

      *The values taken for effective cost calculation are indicative values and may change as per the selected plan.

      *Coverage upto double the amount of Sum Insured is available on certain covers for a minimum plan of Rs. 5 Lakh on the first claim only to an individual of upto 45 years of age with no pre-existing diseases. The benefit is available with or without extra cost depending on the plan chosen.

      *Coverage of pre-existing diseases is provided by insurer as per their underwriting policy.

      *The scope of coverage may vary from plan to plan.

      ~Source: Google Review Rating available on:- http://bit.ly/3J20bXZ

      ##On ground claim assistance is available in 114 cities

      Tax Benefits are subject to changes in tax laws. GST Exemption depends on fulfilment of qualification criteria and submission of relevant documents as required by the insurers. For more details on risk factors, terms and conditions, please read the sales brochure and applicable rules and regulation carefully before concluding a sale.

      STANDARD TERMS AND CONDITIONS APPLY. For more details on risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale.

      Policybazaar is a registered Composite Broker |Registration No. 742, Valid till 09/06/2024, License category- Composite Broker (Life & General)| Visitors are hereby informed that their information submitted on the website may be shared with insurers.

      Policybazaar Insurance Brokers Private Limited | CIN: U74999HR2014PTC053454 | Registered Office - Plot No.119, Sector - 44, Gurgaon, Haryana - 122001 Contact Us | Legal and Admin Policies

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