United India Arogya Sanjeevani Policy: Benefits, Premium, Renewal

United India Arogya Sanjeevani Policy

United India Arogya Sanjeevani Policy offers comprehensive insurance coverage in times of health emergencies. This is a standard policy launched by IRDAI and roll out by all insurance providers across India with common insurance terms.

Type	Standard Policy
Coverage Type	Individual/Floater
Tenure	1 year
Sum Insured	Up to Rs 5 lakh
Renewal	Yearly

Coverage Offered

Under United India Arogya Sanjeevani Policy, the Individual and Family Floater options offer sum insured options ranging from Rs 1 lakh to Rs 5 lakh.

The coverage provided is as follows:

Hospitalization Expenses:

Room rent, boarding, nursing till 2% of sum insured (up to Rs 5000 per day)
Intensive care treatment till 5% of the sum insured (up to Rs 10,000 per day)
Consultation and specialist charges of a medical practitioner, surgeon, anesthetist
Costs for blood, oxygen, operation theatre, surgical equipment, prescribed drugs, diagnostics

Pre-hospitalization- Coverage of medical expenses up to 30 days before admittance in the hospital are covered.

Post-hospitalization- Medical expenses incurred up to 60 days following discharge are covered.

Daycare Treatment- Any medical procedure requiring less than 24 hours of admittance is covered by the policy.

For the following (under daycare or hospitalization), 50% of the sum insured will be offered –

High intensity focused ultrasound and uterine clots
Immunotherapy (monoclonal antibody)
Robotic surgery and stereotactic radiosurgery
Oral chemotherapy
Bronchial thermoplasty
Laser treatment for prostate
Intraoperative neuro-monitoring

Inclusions of the Plan

In addition to the aforementioned coverage, the following are included under the United India Arogya Sanjeevani Policy insurance policy:

AYUSH Treatment- If the insured and/or family undergo treatment by Ayurveda, Yoga and Naturopathy, Unani, Siddha and Homeopathy systems in any AYUSH network hospital, it will be covered by the policy.
Cataract Treatment- Expenses under cataract therapy (for each eye) will be included in the policy, up to Rs 40,000 or 25% of the sum insured (the lower amount) in a single policy year.
Emergency Ambulance- Road ambulance charges will be covered up to a limit of Rs 2000 per hospitalization.
Dental Treatment- Treatment for any dental ailment (by illness or injury) is covered.
Plastic Surgery- Plastic surgery, due to illness or injury, is covered.

Exclusions of the Plan

The following are excluded from the list of coverage as per the terms of United India Arogya Sanjeevani Policy:

Any diagnostics or evaluation not related to the ailment under coverage
Hormonal therapy and gender reassignment surgery Injuries from adventure sports
Treatment for alcohol and drug addiction and/or abuse
Maternity expenses (childbirth and/or miscarriage)
Injuries sustained from war, riots, terrorist activity, etc.
Exposure to nuclear or biological radiation
Domiciliary and outpatient treatment
Treatment taken outside India

*One can refer to the Policy document for a detailed exclusion list.

Features & Benefits of the United India Arogya Sanjeevani Policy insurance policy

Features and benefits of the United India Arogya Sanjeevani Policy insurance policy:

Pre-existing diseases have a waiting period of 48 months.
Except for accidents, claims are excluded in the first 30 days of the policy.
Other waiting periods are 24 months (planned surgery or tumor removal) and 48 months (joint disorders).
Premium deducted by ECS for monthly, quarterly, and half-yearly payments.
Premium payment is subject to tax exemptions under Section 80D of the Income Tax Act, 1961.

Eligibility Criteria

Type	Individual or Family Floater
Minimum Entry Age	Children – 3 months (with parental coverage); up to 25 years of age Financially independent children covered separately Adults – 18 years
Maximum Entry Age	65 years
Number of people covered	Individual, spouse, parents, parents-in-law, dependent children (till the age of 25 years)
Residential Status	Residents of India taking treatment within India that is accepted in the Indian medical community

Information on Cancellation of the Policy

Cancellation of United India Arogya Sanjeevani Policy Health insurance takes place in the following conditions -

In the event of objections with policy terms, the insured can return the premium within 15 days (free look period) with no losses. This results in a policy cancellation.
Any misreporting of facts affecting policy terms can result in immediate termination.

FAQs

Q.What is the policy tenure of United India Arogya Sanjeevani Policy health insurance?

Ans: The policy period lasts for one year.
Q.Can medical check-ups be claimed under United India Arogya Sanjeevani Policy?

Ans: The policy is applicable for daycare and in-patient treatment. Outpatient treatment is excluded. Therefore, costs for check-ups cannot be claimed.
Q.How to find out the list of hospitals covered under United India Health Insurance?

Ans: The list of network hospitals, nursing homes, and health care centers (city-wise) is provided on the insurance provider's official website.
Q.How does one buy online United India Arogya Sanjeevani Policy?

Ans: To buy United India Health Insurance plans online, visit the official website of the insurance provider. One needs to decide if an individual or family floater plan is required. After providing the required details, such as the cover and the pre-existing disease's existence, a free quote is provided. After payment of premium and submission of documents, the policy coverage commences.
Q.Does the policy offer a grace period?
Ans: The policy offers a grace period; the duration is subject to the frequency of premium payment.
- Annually – 30 days
- Monthly, quarterly, half-yearly – 15 days

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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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