Why Should You Buy an Arogya Sanjeevani Policy?
The Insurance Regulatory and Development Authority of India (IRDAI) has designed the Arogya Sanjeevani Policy as a standard health insurance plan to address all the basic healthcare requirements of people. The aim is to make health insurance affordable so it’s accessible and available to the masses. This plan has simplified health insurance while offering similar benefits as other plans.
Reasons to Buy Arogya Sanjeevani Policy
An increase in life expectancy, medical inflation and the occurrence of lifestyle and critical illnesses makes it high time for you to be covered by health insurance. If you and your loved ones are not covered, consider taking the first step towards insuring your health with Arogya Sanjeevani Policy.
Being the most affordable medical insurance plan in India, it’s especially suited for first-time health insurance buyers. It can cover your healthcare expenses between ₹50,000 and ₹10,00,000 against cost-effective premiums. They can be associated with day-care treatment, hospitalisation, modern treatments and other medical needs.
Considering the current situation, it is also important to be covered by a COVID-19 health insurance plan. However, if you cannot afford to buy a COVID-19 plan separately, Arogya Sanjeevani Policy can come to your rescue. It offers long-term protection from both Covid-19 and other illnesses with the facility of lifetime renewability. It can even cover you from injuries and accidents.
Since senior citizens are more vulnerable to developing health conditions, you need to insure their health as well. Here again, Arogya Sanjeevani Policy can help. It is available for individuals, group of individuals and families.
Benefits of Arogya Sanjeevani Policy
Arogya Sanjeevani Policy comes with a sum insured of up to ₹10,00,000. The premiums remain the same across the country for affordable all-India health coverage. Here are the other key benefits of the plan.
In-patient hospitalisation: It covers fees of doctors and surgeons, charges for ICU, OT, room, nursing and other medical expenses.
Pre-hospitalization: It covers medical costs up to 30 days preceding the date of hospitalization.
Post-hospitalization: It covers medical costs up to 60 days after discharge from the hospital.
Allopathic and AYUSH treatment: The plan covers medical expenses for allopathic treatment and AYUSH treatment (including Ayurveda, Yoga & Naturopathy, Unani, Siddha and Homeopathy).
Daycare treatment: Medical expenses for treatment or surgery requiring less than 24 hours of hospitalization are covered.
Road ambulance cover: The plan reimburses costs of ambulance services up to ₹2,000 for each event of hospitalisation.
Cataract treatment: The plan pays for medical costs up to ₹40,000 or 25% of the sum insured for each eye that goes through cataract treatment or surgery.
Modern treatments: The plan also covers medical costs for technologically advanced surgery or treatment under policy terms.
Other benefits: A cumulative bonus of 5% is offered for every claim-free policy year up to 50% of the sum insured if the plan is consistently renewed. You can also avail co-pay of 5% on any claim and a grace period of 30 days (for an annual payment mode) or 15 days (for other payment modes). A free-look period of 15 days is available from the date of the plan’s receipt to review and return the plan if not acceptable. You can even enjoy tax deduction on premium payments, under Income Tax Act, Section 80D.
If you’re young and about to begin your journey of health insurance, opt for a standard affordable plan like the Arogya Sanjeevani Policy from top insurance providers like Manipal Cigna. Gradually, consider covering your loved ones under the same policy to insure their health too.
