Arogya Sanjeevani Health Insurance

Pre and Post-Hospitalization Expenses:

Arogya Sanjeevani policy includes pre and post-hospitalization expenses. Most often, pre and post-hospitalization expenses can add up to a significant chunk of the hospitalization bills. Buying the Arogya Health plan covers these expenses that are often not considered important. It can be beneficial nevertheless.

COVID-19 Cover:

Many health insurance policyholders wonder if their existing health plan covers COVID-19 or not. Those who do not have any health insurance wonder how to cover expenses related to the treatment of COVID-19. Arogya Sanjeevani health plan offers coverage for COVID-19 and is a good option for those who do not have any form of general health insurance.

AYUSH Benefits:

Arogya Sanjeevani health insurance offers Ayurveda, Yoga, Unani, Siddha, and Homeopathy (AYUSH). With rising number of people choosing alternative treatments over allopathic treatments, Arogya Sanjeevani plan is good options for those who prefer want to look at traditional medicines.

ICU / ICCU Charges:

ICU and ICCU charges can burn a big hole in one’s pocket if these expenses are not prepared. With increasing overheads of hospitals and ICUs with high-tech medical equipment, there has been a significant rise in ICU charges. The more advanced the hospital, the more the charges. Arogya Sanjeevani policy covers ICU and ICCU charges too.

Room Rent:

Did you know? Room rent can considerably add up to medical expenses during hospitalization? At times, room rent charges can be more than all the other expenses combined. The better the hospital, the higher is the room rent. Moreover, room rent charges in metros and larger cities are higher compared to towns and villages. Arogya Sanjeevani policy offers coverage for room rent too.

Ambulance Services:

Ambulance costs can add up to medical bills significantly. Different types of ambulances have different charges. In addition, multiple visits to and from the hospital in an ambulance can cost a lot of money. Arogya Sanjeevani health plan offers ambulance services coverage, which makes it easy to meet these uncertain charges. Also, cardiac ambulances cost a lot more.

Day-care treatment:

Many medical treatments may not require the policyholder to get admitted in the hospital and may require being in the hospital for only a few hours. Arogya Sanjeevani health insurance policies offer day-care procedure expenses.

Cataract Surgery:

Cataract surgeries can cost anywhere from Rs.40,000 and more. All health insurance plans do not offer coverage for cataract treatments. Arogya Sanjeevani health policy offers coverage for cataract surgeries. That makes it a good plan for aging and senior citizens, as they might require cataract treatments of greater intensity.

Diagnostic or Investigative Tests:

At times, people might go for investigative and diagnostic tests, which may not be necessary or prescribed by doctors. The cost of such tests is not covered by Arogya Sanjeevani health scheme.

Bed Rest or Rehabilitation Expenses:

Many diseases and treatments might require rest and rehabilitation. Arogya Sanjeevani Health Plan does not offer coverage for these expenses.

Gender change Treatment:

Gender change treatment expenses are not covered under Arogya Sanjeevani policy.

Cosmetic or Plastic Surgery:

Arogya Sanjeevani health plan does not offer coverage for cosmetic or plastic surgery. However, such surgeries may be a part of the main surgeries and might be considered for coverage based on the insurance company’s clauses.

Maternity Expenses:

Arogya Sanjeevani health plan does not offer coverage for maternity expenses.

Breach of Law:

If there is a breach of law and the policyholder is injured, the Arogya Sanjeevani policy does not offer coverage for hospitalization and treatment.

Alcohol/Drug addiction:

Treatments due to alcohol and drug consumption are not included in this health plan.

Claim made after exhausting deductible

Arogya Sanjeevani plans do not pay for claims made after the exhausted deductible. The policyholder must be aware of the amount that they claim and the fine print in the policy agreement.

Pre-existing disease

Pre-existing diseases are not covered under Arogya Sanjeevani insurance plans. Arogya health plans have a waiting period for pre-existing diseases as offered by different health insurance companies.

Hospitalization without doctor’s recommendation

Arogya Sanjeevani scheme does not cover hospitalization without doctor’s recommendation. To avail coverage, the policyholder must have a doctor’s prescription for the treatment with a detailed diagnosis report.

Pre-natal & post-natal expenses

Arogya Sanjeevani health insurance plan does not cover pre-natal and post-natal expenses. Hence, the policyholder must ensure that they go through the policy documents and clauses carefully.

Those who do not have a general health insurance plan

In today’s day and age, health insurance is a necessity. With the rise in diseases and medical costs, it is essential to be prepared for medical expenses. Many people avoid buying health insurance because they find it expensive or confusing. Arogya Sanjeevani health scheme is designed to address these issues.

The standardised health insurance plan is offered by numerous health insurance companies with the same features and benefits. The only thing that might differ is the service provided by the insurer. If you’re a young person who wants to buy a general health insurance plan at an affordable rate, Arogya Health Plan is the right option.

It offers a sum insured in the range of Rs.1 lakh to Rs.5 lakh at an affordable premium that can be paid on a yearly, half-yearly, quarterly or monthly basis.

Those looking for insurance protection against COVID-19

The Coronavirus pandemic is a serious health concern and fairly unpredictable. Hence, it is better to be financially prepared for the disease. The treatment cost of Coronavirus can range from a few thousands to a few lakhs depending on its severity. Such a huge medical expenditure can eat into people’s savings and drive them into debt. The Arogya Sanjeevani Health Insurance Plan offers comprehensive coverage against a wide range of ailments and health conditions; including COVID-19.

Those looking to complement corporate health plan with a basic plan

Those who have insurance coverage provided by their employers must always buy a separate personal or family floater health plan to complement the corporate plan. The corporate plan will cease to be on retirement or a change of job. Arogya Sanjeevani is an affordable plan that provides comprehensive coverage to complement the group health insurance plan coverage.