Arogya Sanjeevani Policy, Go Digit

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What is Arogya Sanjeevani policy?

Arogya Sanjeevani policy is a new, standard health insurance policy set by the IRDAI from the 1st of April, 2020 and will be offered by all health insurance companies in India, including Go Digit General Insurance. This standard plan provides for a basic health insurance cover of between Rs 1 lakh to Rs 5 lakhs.

What is the significance of the Arogya Sanjeevani policy?

If you’re someone who’s often felt boggled down, and confused over all the varying health insurances online, you’re not alone. That’s why, The Arogya Sanjeevani policy was launched by the IRDAI, as an approach to simplifying health insurance by providing a basic, standard plan that will be offered by all health insurance companies, with exactly the same benefits.

Perhaps the only thing that differentiates one from another, is the service offered by each health insurance provider, during the buying and claim process and its premium price.

What’s covered under Arogya Sanjeevani policy?

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

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

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

ICU/ICCU

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

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

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

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

List of New-Age Treatments Covered in Arogya Sanjeevani Policy

Uterine Artery Embolization and HIFU (High intensity focused ultrasound)

Balloon Sinuplasty

Deep Brain stimulation

Oral Chemotherapy

Immunotherapy - Monoclonal Antibody to be given as injection

Intra vitreal injections

Robotic surgeries

Stereotactic radio surgeries

Bronchial Thermoplasty

Vaporisation of the prostrate (Green laser treatment or holmium laser treatment)

IONM: Intra Operative Neuro Monitoring

Stem cell therapy: Hematopoietic stem cells for bone marrow transplant for hematological conditions to be covered.

FAQs about Arogya Sanjeevani policy, Go Digit?

All

Is coronavirus covered under the Arogya Sanjeevani health insurance policy?

Yes, the coronavirus will be covered under the hospitalization benefit.

Who can buy the Arogya Sanjeevani policy?

Anyone between the ages of 18 years to 65 years is eligible to buy the Arogya Sanjeevani Health Insurance Policy.

What is the maximum sum insured under the Arogya Sanjeevani policy?

Under the Arogya Sanjeevani Health Insurance Policy, you can buy a cover of minimum 1 lakh, and maximum 5 lakhs.

What is the difference between an Individual and Family Floater Arogya Sanjeevani policy?

This policy comes with two options to choose from; you can either protect your entire family with one policy, I.e Family Floater (maximum sum insured of 5 lakhs) or buy an Individual Policy for each family member. (you can choose between 1 to 5 lakhs as Sum Insured)

Is there a waiting period involved for the Arogya Sanjeevani policy?

Yes, there is. The waiting periods in this policy varies upon the type of disease: 24 months and 48 months. This means that for certain diseases, the insured will be covered only when the waiting period specified for the disease is over.

Can I port my existing policy to Arogya Sanjeevani policy, Go Digit?

Yes, you can!

Do I need to pay from my pocket during claims?

Yes, as per the policy conditions, all Arogya Sanjeevani Health Policies come with a 5% Copayment.

Is there a room rent cap for Arogya Sanjeevani policy?

Yes, whilst the standard room rent allowed is 2% SI, the maximum cap is that of Rs 5,000 per day which is a decent amount considering most hospitals offer good rooms at this price.

Can i extend my coverages than the ones provided?

The Arogya Sanjeevani provides for basic benefits such as hospitalization expenses and a few other benefits such as AYUSH and Cataract Surgeries among others. However, it doesn't include features like a maternity cover, OPD and domiciliary care. So if you’re someone looking for something comprehensive, with additional benefits, this policy may not be enough.

Can I increase my sum insured beyond the set brackets?

Under the Arogya Sanjeevani policy, the sum insured you can be covered for is limited to between 1 lakh to 5 lakhs. So, if you’re looking for a cover higher than 5 lakhs, this may not be enough for you.

Do i have to pay a compulsory copayment?

As a standard feature, all health insurance companies offering the Arogya Sanjeevani policy are required to pay 5% co-payment during a claim. So, in case you’re looking for a health insurance plan with no co-payment at all, this could be one setback.