TATA AIG Arogya Sanjeevani Policy

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      TATA AIG Arogya Sanjeevani Policy

      TATA AIG General Insurance Company provides Arogya Sanjeevani policy based on the IRDAI guidelines. It is a comprehensive health insurance plan that can be purchased at an affordable premium. The features and coverage benefits of this plan are given below.

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      TATA AIG Arogya Sanjeevani Policy- Eligibility Criteria

      The Arogya Sanjeevani health scheme covers modern treatment expenses and all the day-care procedures. Moreover, health insurance coverage is available on a family floater and individual basis. Arogya Sanjeevani policy is suitable for those who are looking for a cost-effective health plan during the COVID-19 pandemic.

      Eligibility Criteria

      Criteria

      Specifications

      Sum Insured

      Rs 50,000 to Rs 10 lakh

      Entry Age Criteria

      18-65 years

      Dependent Children

      3 months-25 years

      Co-payment

      5%

      Coverage Type

      Individual/Family Floater

      Cumulative Bonus

      5%-50%% for claim-free year

      Key Features of TATA AIG Arogya Sanjeevani Policy

      Tata AIG Arogya Sanjeevani policy offers the following features and benefits to the insured:

      • Anyone between the age group of 18-65 years can get insurance cover including dependent children from 3 months to 25 years
      • The policy tenure option is 1-year and the coverage is available on both individual and family floater basis
      • The family members that can be covered include spouse, children, parents, and parents-in-law
      • The policy is renewable for lifelong
      • The best part is that the policy premium can be paid in installments
      • Pre-medical screening is only required for people above the age of 45-years
      • Tax benefits under the Section 80D are provided on the premium paid

      Inclusions of TATA AIG Arogya Sanjeevani Policy

      TATA AIG Arogya Sanjeevani policy covers the following expenses during the policy term:

      • Expenses incurred on Cataract treatment are payable up to Rs 40,000 or up to 25% of the coverage amount
      • Ayush treatment charges for Ayurveda, Homeopathy, Unani, Yoga, Siddha, and Naturopathy treatment up to the sum insured limit
      • The policy covers room rent, boarding, and nursing charges equal to 2% of the sum insured or Rs 5000
      • The insured can file a claim for Intensive Care Unit (ICU)/Intensive Critical Care Unit (ICCU) expenses. The limit is up to Rs 10,000 or 5% of the coverage amount per day
      • Modern treatment expenses ranging from oral chemotherapy, robotic surgeries, stem cell therapy, to balloon sinuplasty
      • All the daycare procedures are payable under this health plan

      Exclusions of TATA AIG Arogya Sanjeevani Policy

      Claims filed for the medical expenses arising due to the following situations are not covered:

      • Pre-existing disease until the completion of 48 months of the waiting period
      • Specific diseases till the waiting period of 24 months is over
      • Any medical emergency arising out of war, and related incidents are excluded
      • The policy excludes the expenses incurred OPD charges and domiciliary or home treatment
      • Treatment for Obesity/ Weight Control are excluded as well
      • Rest Cure, rehabilitation, and respite care expenses are not covered
      • Adventure and hazardous sports-related hospitalization expenses are also not covered

      To know more about TATA AIG Arogya Sanjeevani policy you can write to us at care@policybazaar.com or speak to us at 1800-708-8787.

      How to file Health Insurance Claim for TATA AIG Arogya Sanjeevani Policy?

      The process to file cashless and reimbursement claims for Arogya Sanjeevani policy are given below:

      Reimbursement Claims:

      In cases of emergency hospitalization you need to inform the Tata AIG Health Insurance Company for claim reimbursement:

      • Pre-hospitalization reimbursement- File the claim within 30-days of getting discharged from the hospital
      • Post-hospitalization reimbursement- File the claim within 15-days of availing of hospital treatment

      Cashless Claims:

      • For hospitalization in TATA AIG network hospitals, you can file cashless health claims
      • To start the process, you need to fill the TATA AIG cashless health insurance claim form. You can take this from form the TPA at the network hospital
      • This form will be sent to the TATA AIG General Insurance Company/TPA for authorization. After the verification, a pre-authorization letter will be issued to the hospital by the Insurer’s TPA
      • Once it’s done you need to sign and verify the hospital discharge papers
      • The TPA/Insurance Company holds the right to accept or deny the pre-authorization in case some medical bills/documents are pending
      • You can file a reimbursement claim if the cashless claim is not accepted

      For more details, you can speak to the insurer or call us at 1800-708-8787 or write to us at care@policybazaar.com

      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.

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