New India Arogya Sanjeevani Policy: Benefits, Premium, Renewal

New India Arogya Sanjeevani Policy

To simplify health insurance, IRDAI introduced a basic health insurance policy known as Arogya Sanjeevani Health Insurance policy covering the policyholder's basic insurance needs. The New India Arogya Sanjeevani Policy covers new age treatment, hospital room rent, ICU room charges, pre and post-hospitalization. Further, it covers cataract treatment, dental treatment, has flexible payment options and tax benefits.

Sum Insured	Rs 1 lakh-5 lakh
Coverage Type	Individual/Floater
Cumulative Bonus	5%
Medical Check-up	Not Required
Tenure	1 year

Coverage Offered

The New India Arogya Sanjeevani Health Insurance offers the following coverage:

Pre-hospitalization Cover - Under the plan mentioned earlier, the person insured gets 30 days coverage from the date of hospitalization before being admitted to the hospital.
In-patient Treatment- The policyholder provides coverage against in-patient hospitalization, which can be up to a maximum sum insured, i.e., Rs 5 lakh.
Post-hospitalization Cover - Under the plan mentioned above, the person insured gets 60 days coverage from the date of hospitalization after being admitted to the hospital.
Medical Coverage- The cost of blood, anesthesia, drugs, diagnostic imaging modalities, medicines, diagnostics costs, surgical appliances, oxygen, operation theatre charges, and others are covered in the New India Arogya Sanjeevani
Fees Covered- Consultants, Anaesthetists, Specialists, Medical Practitioner, and Surgeons are covered by the insurer.

Inclusions of New India Arogya Sanjeevani Plan

Inclusions of New India Arogya Sanjeevani Insurance Policy are as follows:

Daily Room Rent- The plan provides coverage against the daily hospital room rent, which is up to a 2% of the sum insured maximum up to a limit of Rs 5000 per day. Boarding and nursing expenditures are inclusive of room rent cover.
Co-payment - Under this policy, there is a co-payment of 5% on the total by the policyholder per hospitalization.
ICU Charges - The policy provides coverage against ICU expenses, which is up to Rs 10,000 per day or a maximum of 5% on the sum insured.
Cumulative Bonus- For every claim-free year, the New India Health Insurance provides a cumulative bonus of 5%, which can be up to a maximum of 50%.

Exclusions of New India Arogya Sanjeevani Plan

Following are the exclusions of the online New India Arogya Sanjeevani Policy:

Any kind of substance abuse and hospitalization due to the same or curing any additive condition
Domiciliary Hospitalization
Expenses related to evaluation
Expenditures related to diagnosis
Gender change treatment
Maternity expenditures
Nuclear, chemical or biological attack or weapons in a war
OPD Treatment
Plastic or cosmetic surgery
Purchasing of dietary supplements
Participation in hazardous activities or breach of law
Rehabilitation, rest cure and respite care
Treatment outside India
Weight control or obesity through surgical treatment
Unknown treatment

*Disclaimer- This list is only indicative and not exhaustive. Insurance companies cover various illnesses under different illness insurance policies

Features and Benefits of the New India Arogya Sanjeevani Insurance Policy

Features and benefits of New India Arogya Sanjeevani Insurance Policy are:

AYUSH Benefits- The policy provides coverage against the treatment cost against AYUSH benefits, i.e., non-allopathic treatments like Unani, Ayurveda, Homeopathy, Siddha, etc.
Cataract- There is an option under which the plan covers the lower of the below:-
25% of the sum assured or
Up to Rs 40,000 for cataract treatment of each eye.
Day Care Treatment- The plan covers daycare treatment in which the person insured is hospitalized for less than 24 hours.
Dental Treatment - In case of any dental surgery due to illness or injury, the plan covers dental treatment.
Emergency Hospitalization- New India Arogya Sanjeevani Health Insurance provides coverage against road ambulance costs for emergency hospitalization. It offers coverage up to Rs 2000 for every hospitalization.
Tax Benefits- Under Section 80 D of Income Tax Act, 1961, the policyholder can avail of the premiums paid.

Eligibility Criteria

The minimum eligibility criteria to buy this policy are:

Minimum Entry Age	18 years
Maximum Entry Age	65 years
Number of people covered -	Self, spouse, children, parents and parent-in-laws
Residential Status	The policyholder must be a resident or citizen of India.

Cancellation of Policy

If the person insured is not satisfied with the terms and conditions of the policy, he/she can cancel or return the policy at any time within 15 days from the starting day of the plan. But the person insured gets all the premiums paid in return after deducting stamp charges and taxes. But no claims should be made in the free-look period.

FAQs

Q. Can one buy New India Arogya Sanjeevani Policy online?

Ans: Yes, one can buy New India Health Insurance policy online.
Q. Are advanced treatment coverage offered in this policy?

Ans: Yes, advanced treatments are offered up to 50% of the sum insured.
Q. Is the portability option available in this plan?

Ans: Yes, it is available in the plan.
Q. What is the sum insured amount available in this plan?

Ans: The sum insured amount ranges from Rs 1 lakh to Rs 5 lakh.
Q. Is oral chemotherapy available in this plan?

Ans: Yes, it is covered under this plan.

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Disclaimer: The list mentioned is according to the alphabetical order of the insurance companies. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. For complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website www.irdai.gov.in

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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. Policybazaar does not provide any medical or surgical advice or diagnosis and is not responsible for your interactions / treatment by a medical practitioner/hospital. Please consult a registered medical practitioner for any medical or surgical advice. The Information that you obtain or receive from Policybazaar, and its employees, or otherwise on the Website is for informational purposes only. As per the Insurance guidelines, you are allowed to cancel the policy with-in 30 days from the date of Issuance of policy.This option is available incase of policies with a term of one year or more.

*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.

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##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.

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New India Arogya Sanjeevani Policy