Arogya Sanjeevani Policy - A Cure Plan To Restore Your Health

What is Arogya Sanjeevani Policy?

Arogya Sanjeevani Health Insurance is the basic and standard health insurance policy that was introduced by The Insurance Regulatory and Development Authority of India (IRDAI) and all top health insurance companies in India are offering the policy as it is made mandatory from the 1st of April 2020.

Top Insurance companies in India offering Arogya Sanjeevani Policy

Let’s look at the top insurance companies in India that offer Arogya Sanjeevani Policy and their monthly Arogya sanjeevani policy premium chart.

Name of Insurance Company	Arogya Sanjeevani Policy Premium
SBI Arogya Sanjeevani Policy	Arogya Sanjeevani policy sbi starts ₹950/Month – Subject to changes as decided by the company
Star Health Arogya Sanjeevani Policy	Arogya sanjeevani policy star health Depends on the age and type of plan purchased by the policyholder which is subject to changes.
LIC Arogya Sanjeevani Policy	Close to Rs.3,000 for individuals and Rs.15,000 for family floaters for a year. Varies with the age of the policyholder.
HDFC Ergo Arogya Sanjeevani Policy	Premiums can be paid monthly, quarterly, half-yearly and Annual details are provided by the company and the policy has to contact the company directly for the amounts.
Max Bupa Arogya Sanjeevani Policy	Premiums can be paid monthly, quarterly, half-yearly and Annual details are provided by the company and the policy has to contact the company directly for the amounts.

What are the Arogya Sanjeevani Policy Details?

The Arogya Sanjeevani policy provides cover for medical expenses or hospitalization expenses up to Rs.5 Lakhs. It is available for both individuals as well as families and it comes with several benefits.

The Arogya Sanjeevani cover includes basic Pre and Post hospitalisation expenses like:

• Bed charges
• ICU charges
• Doctor consultation charges
• Nursing expenses, etc.

Arogya Sanjeevani policy has two types of covers available which are:

• Individual plan – Only the policyholder will get insurance
• Family floater plan – This covers the policyholder and his family members which may include dependents like spouse, parents, children, and parents-in-law in a single policy.

What is covered under Arogya Sanjeevani Policy?

The policy being the standard health insurance also has certain inclusions and exclusions in it. Let us look at what is covered in Arogya Sanjeevani Policy.

Here are the details at a glance:

1. Pre and post-hospitalization expenses due to an illness or accidental injury and cases reported for Coronavirus (COVID-19).
2. COVID-19 separates cover for protection against coronavirus and pays for any expenses incurred in treating the same.
3. Coverage for AYUSH treatments such as Ayurveda, Homoeopathy, Siddha, and Yunani if you get admitted to an approved hospital for the same.
4. ICCU or ICU charges are covered by the policy and the policy pays up to 5% charges of the total sum insured. The amount will be a maximum of Rs.10,000 per day for any treatment taken in the ICCU(Intensive Coronary Care Unit), or ICU.
5. Coverage for ambulance charges is up to Rs.2,000 per day.
6. Hospital room rent will be covered up to a maximum of Rs.5,000 per day.
7. Expenses incurred out of any daycare treatment procedures will be covered.
8. Dental treatment expenses incurred out of any illness or accidental injury are covered.
9. Plastic surgery expenses arising out of any accidental injury are covered.
10. Cataract Surgery expenses are covered with an amount of a maximum of Rs.40,000 or 25% of the total sum insured whichever is the starting amount or less.
11. New age or modern treatment is covered with a provision of a maximum of 50% of the total sum insured.

Treatments included under Arogya Sanjeevani Policy

There are several modern-age treatments that come under the scope of Arogya Sanjeevani Policy.

 The treatments include: 

• Balloon Sinuplasty
• Intraoperative Neuromonitoring
• Intravitreal Injections
• Bronchial Thermoplasty
• Oral Chemotherapy
• Robotic Surgeries
• Stem Cell Therapy
• Stereotactic Radiosurgery
• High Intensity focussed Ultrasound
• Uterine Artery Embolization
• Holmium Laser Treatment

Attractive features and Benefits of Arogya Sanjeevani Policy

Apart from basic coverage in the Arogya Sanjeevani Policy some are very appealing and benefitting for the customers who buy the same. Let us look at the most attractive features available in the policy.

• More affordable and economical for people compared to other basic insurance policies available in the market.
• Comes as a Universal coverage with the same terms and conditions as all the insurance companies in India
• The sum insured ranges from Rs.1 Lakh to a maximum of Rs.5 Lakhs
• Plan option includes both individual and family floater.
• Coronavirus hospitalization expenses are covered exclusively.
• Offers a low co-payment option that comes up to only 5% of the total claim amount for the policyholder.
• A cumulative bonus is allowed up to 5% on the total sum insured for every claimless year.
• No hassles for understanding the pros and cons of the policy as it’s offered by all insurance companies in India and that makes it more attractive for any first-time buyers.
• A lifetime renewability option is available for the policyholders.

Exclusions for of Arogya Sanjeevani Policy

However, there are some basic exclusions for the policy just like any other health insurance policy available. We should examine what isn’t covered

1. Any expenses incurred from getting any diagnostic tests or investigative tests are not covered.
2. Expenses incurred out of any bed rest due to an absence of treatment or costs arising out of any rehabilitation needs are not covered.
3. Weight management or treatment for obesity expenses are not covered.
4. No cover will be allowed for gender-change treatment or surgery
5. Plastic surgery or cosmetic surgery not arising out of an accidental injury is not covered.
6. No coverage for maternity expenses.
7. Outpatient treatment taken by the policyholder is not covered.
8. Expenses arising out of treatment for any injury caused due to participation in adventurous or hazardous sports won’t be covered.
9. Any type of law breaching with criminal intent is not tolerated.
10. Expenses incurred out of treatment for alcohol or drug addiction are not covered.
11. No cover for the cost of buying any health and dietary supplements without a proper prescription from the approved hospital and the doctor as per company terms.
12. No cover will be provided for any treatments for infertility or sterility.
13. Domiciliary hospitalization expenses are not covered.
14. No claims will be covered that arise out of a nuclear attack or war-like situation or even a war.
15. Any expenses incurred for treatment taken outside India will not be covered.

Arogya Sanjeevani Policy has a lot of benefits and advantages over a normal health insurance policy when it comes to the room rent limit, ICU charges etc. and many more features. However, the best arogya sanjeevani policy is not limited to just one insurance company in India; slight differences are there in the coverage and exclusions offered by different insurers. 

It’s best to compare the features and benefits offered by different insurers in India to choose the best arogya sanjeevani policy for a person before deciding where to buy from.

Common FAQs

1. How many insurance companies in India are offering Arogya Sanjeevani policy? 
   In India about 30 General insurance companies and other stand-alone health insurers are offering Arogya Sanjeevani cover.

2. Does Arogya Sanjeevani policy provide cover against Coronavirus ?
   Yes the basic Arogya Sanjeevani insurance policy provides cover for Coronavirus treatment too along with other illnesses.

3. Is copayment compulsory in Arogya Sanjeevani policy ?
   Yes according to the standard guidelines in the policy a compulsory co-payment of 5% should be paid by the policyholder at the time of a claim.