The medical expenses in India are increasing every year and many people find it difficult to manage them properly. As a result, many insurance companies offer affordable health insurance plans for customers to get wide coverage. On the other hand, it is wise to know about them in detail that will help gain more ideas. Arogya Sanjeevani health insurance takes care of all health needs of a policyholder to ensure high protection from rising medical costs to experience peace of mind from mental worries. It is a standard policy that offers coverage for policy buyers from 1 lakh to 5 lakhs and they can choose any one among them based on their choices.
Why should one purchase the Arogya Sanjeevani health insurance plan?
Arogya Sanjeevani’s health insurance plan aims at fulfilling the needs of policyholders who want to focus more on goals when it comes to claims. The policy simplifies the claim process by reducing complex issues significantly. Anyone who wants to get high protection from medical inflation can benefit more from the plan that will help lead a problem-less life. It makes feasible ways to manage high medical costs caused by critical illnesses and accidental death.
What are the inclusions of Arogya Sanjeevani health insurance?
While buying Arogya Sanjeevani health insurance policy, it is important to know more about the inclusions from different sources that will help make a better decision. Moreover, it enables policyholders to safeguard their families from rising medical expenses. The plan is the right option for those who want to get coverage at low prices. Some of the features offered by the policy include:
- Hospitalization expenses
The policy offers coverage for hospitalization expenses such as room rent, ICU charges, bed expenses, consultation charges, nursing costs, operation theatre costs, etc. It also enables policyholders to get coverage for the medicines used during the hospitalization process. In addition to that, the policy offers road ambulance charges for policyholders when it comes to immediate hospitalization.
- Coverage for Covid-19
The plan offers coverage for Covid-19 hospitalization expenses in listed hospitals allowing policyholders to gain more benefits. Moreover, it contributes more to claim amounts for all hospitalization costs that will help lower financial crunches.
- Coverage for daycare treatment
Arogya Sanjeevani’s health insurance plan provides coverage for daycare treatments and doesn’t include outpatient department costs. Apart from that, it allows policyholders to claim amounts as soon as possible to witness peace of mind.
- Modern treatment expenses
With medical technologies are advancing day by day, policyholders can choose them for major health illnesses. The policy offers coverage for modern treatments such as stem cell therapy, balloon sinuplasty, intra-viral injections, and many more.
- Pre and post hospitalization coverage
The plan provides coverage for pre and post-hospitalization expenses when a policyholder gets hospitalized due to critical illnesses. At the same time, it has a waiting period of 30 days and 60 days. Furthermore, it helps to manage medical costs with ease.
What are the key highlights of Arokya Sanjeevani’s policy?
- The policy has a 5% co-pay on every claim when compared to other policy plans in markets
- Cumulative bonus for policyholders when they don’t claim amounts in a policy year
- Discounts for online purchases that will help save more money
- Tax benefits on paid premiums
- AYUSH coverage for policyholders to choose other treatment options such as Ayurveda, Siddha, homeopathy, etc.
- Lifelong renewability with no upper age limit
- Floater coverage for families to include spouses, parents, children, and others
- The policy offers coverage for cataract treatments up to 25 % of the sum insured or Rs. 40,000 per eye whatever is possible
- 30 days grace period for policyholders when they forget to renew the policy within the due date
What are the exclusions of the Arokya Sanjeevani policy?
- 48 months waiting period for pre-existing illnesses
- 24 months waiting period for specific conditions
- No coverage for drug and alcohol abuse
- Diagnostic and investigative tests
- Obesity & weight loss control
- Adventure sports or hazardous sports activities
- Maternity expenses
Things to consider while buying Arokya Sanjeevani policy
Customers who want to buy the Arokya Sanjeevani policy should keep certain things in mind such as age, income, number of dependents, sum insured, etc. They should consider comparing the prices of policies online that will help select the right one accordingly.
When purchasing a new policy, one should pick a reputed insurer that satisfies his/her needs. Care Health Insurance offers Arokya Sanjeevani policy at affordable rates allowing policyholders to overcome the financial burden to a large extent. The company gives ways to know more about the details with an excellent customer support team. It also works closely with customers to know more about their requirements. High discounts are available for policy buyers when they want to buy the plan online at cheaper costs.