Arogya Sanjeevani Policy, Go Digit


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What is Arogya Sanjeevani policy?

What’s covered under Arogya Sanjeevani policy?

Hospitalization Expenses

Hospitalization Expenses

Coverage for all pre and post hospitalization expenses, that could occur due to an illness or accident. Treatment and hospitalization for the Covid-19 too, will be covered under this.

AYUSH

AYUSH

Alternative treatments done as an inpatient in eligible hospital too can be covered.

Cumulative Bonus

Cumulative Bonus

For every claim-free year, you and your family get rewarded with a 5% bonus in your sum insured!

Room Rent

Room Rent

Room rent is covered up to 2% of the SI maximum upto Rs 5,000 per day.

ICU

ICU/ICCU

ICU/ICCU charges are covered up to 5% of the SI maximum upto Rs 10,000 per day.

Ambulance Services

Ambulance Services

Ambulance charges with a maximum cap of ₹2,000 per hospitalization are included in the policy.

Plastic Surgery and Dental Treatments

Plastic Surgery and Dental Treatments

Plastic surgery or dental treatments necessitated owing to an injury or a disease are covered.

Cataract Surgery

Cataract Surgery

Expenses incurred towards the treatment of cataract for each eye. Policyholders can avail coverage of up to ₹40,000 or 25% of the total sum insured, whichever is lower.

New Age Treatments

New Age Treatments

Modern treatments, including balloon Sinuplasty, Immunotherapy and Stem Cell Therapy, amongst many other treatments (list given below) can be covered to up to 50% of the total sum insured.

Standard Benefits of the Arogya Sanjeevani policy

Lifelong Renewability

While the entry level for the purchase of this policy is limited to those between the ages 18 to 65 years, this policy comes with lifelong renewability, as long as you renew it on time. 

Affordable Premium

Since this is a basic, standard policy set by the IRDAI, the health insurance premium for the same is comparatively lower than other health insurance policies in the market. 

Low Copayment

Every health insurance company comes with their own set of copayment limitations. Some at least have a 10-20% copayment involved, while some come with no copayment at all. In this case, this policy comes with a minimum copayment of 5% only, i.e. during claims you will have to 5% of the expenses from your pocket.

Individual & Family Floater Available

The Arogya Sanjeevani Policy comes with two plans available: An Individual Health Policy (One policy each for a family member) and a Family Floater Health Insurance (One policy for the entire family). 

FAQs about Arogya Sanjeevani policy, Go Digit?