Understanding Arogya Sanjeevani: Your Comprehensive Guide to Affordable Health Insurance

Health emergencies are unpredictable, but the financial burden they bring is entirely predictable. Under such circumstances, imagine having reliable support that protects your health and finances and ensures your peace of mind.

Care Health Insurance offers one affordable yet comprehensive plan to help you with essential advanced healthcare needs. The Arogya Sanjeevani Policy lets you quickly accommodate and fulfil your family's changing healthcare requirements.

The best part is that the Arogya Sanjeevani insurance policy is not just another product. Instead, it is a solid financial shield that can be tailored to meet your specific healthcare needs. Read through this blog to learn the benefits of Arogya Sanjeevani policy, its inclusions, exclusions, and coverage. By the end of this guide, you will also know how to raise a claim and have all the necessary information to make an informed decision.

Understanding Arogya Sanjeevani Policy

Arogya Sanjeevani Policy is an IRDAI-introduced standard health insurance plan offered by health insurers. Care Health Insurance Arogya Sanjeevani Policy intends to provide financial protection against hefty medical bills that come with illnesses or unfortunate accidents. The Arogya Sanjeevani Health policy looks forward to offering a standard level of coverage to help you manage medical expenses effectively.

Whether it is advanced therapies, post-hospitalisation care, or offering AYUSH treatment coverage, this plan covers you. A brief tabular illustration is listed below to help you better understand Arogya Sanjeevani Health Insurance's coverage. The table outlines the conditions of the Arogya Sanjeevani Insurance policy, offering a clear idea of how it works. Have a look!

8 Benefits of Care Health Insurance Arogya Sanjeevani You Should Know

Arogya Sanjeevani Health Insurance policy stands out among most insurance plans because of its excellent benefits. Each pointer listed below guarantees policyholders complete coverage and comfort through their investment. Some of the benefits of Arogya Sanjeevani policy include:

1. Pre-Hospitalisation Expenses

This covers the medical costs incurred up to 30 days before hospitalisation. Some of them include diagnostic fee, doctor consultation fee, pharmacy fee, etc. However, it comes with its own conditions. Read policy documents for more.

2. Post-Hospitalisation Expenses

This covers the medical expenses incurred up to 60 days after discharge from the hospital. Again, this includes the diagnostic fee, doctor consultation fee, pharmacy fee, etc., under certain conditions. Visit the official website for more.

3. Inpatient Treatment

This covers expenses related to hospital stays that exceed 24 hours. Some of the costs covered under this include room rent, ICU charges, treatment charges, nursing charges, blood/oxygen/anaesthesia charges, OT charges, and many more.

4. No Claims Bonus

If there are zero claims during the prior policy period, any insured under the Arogya Sanjeevani Policy is rewarded with a 5% increase in the basic policy sum insured (SI) upon renewal. This is called the No Claim Bonus (NCB) feature. Again, certain conditions come with it. Ensure reading policy documents before purchasing.

5. Daycare Treatment

This covers medical procedures that do not require a full-day (24-hour) hospital stay. This is due to advanced treatments that reduce hospital stays. Some of these treatments include dialysis and cataracts.

6. ICU and Room Rent Charges

Under this, the Arogya Sanjeevani health insurance covers the cost of the Intensive Care Unit (ICU) and room rent incurred in the treatment of the insured during hospitalisation.

7. AYUSH Benefit

This is one of the best Arogya Sanjeevani policy benefits. With this, you can receive coverage for the expenses incurred for in-patient care related to any AYUSH (Ayurveda, Yoga and Naturopathy, Unani, Siddha, and Homeopathy) treatment.

8. Ambulance Cover

Under this, you, as an insured, can receive coverage for the costs incurred in using the ambulance service. The Arogya Sanjeevani health insurance plan will cover transport charges in a medical emergency.

Arogya Sanjeevani Health Insurance Coverage Details

Below is a brief overview of what the Arogya Sanjeevani Policy covers, in case you have been wondering whether or not it is a comprehensive healthcare plan. Read on to find the extensive coverage offered by the policy:

Arogya Sanjeevani Health Insurance Policy: List of Named Ailments

Arogya Sanjeevani Policy covers a long list of named ailments. Coming with a waiting period of 48 months, the plan covers the treatment costs incurred in joint replacement procedures. However, it should not be caused by an accident. Additionally, it provides coverage for age-related conditions such as osteoporosis and osteoarthritis.

Below are some other named ailments that the policy covers. Yet again, note that each comes with a 24-month waiting period.

• Tympanoplasty
• Tonsillectomy
• Benign ENT disorders 
• Hysterectomy
• All types of hernia
• Hydrocele
• Varicose veins and Varicose ulcers
• Benign prostate hypertrophy
• Rheumatism
• Gastric/duodenal ulcer
• Gout
• Mastoidectomy
• All internal/external benign cysts, tumours, and polyps
• Pilonidal sinus/sinusitis
• Adenoidectomy
• Fissures, Piles, Fistula in anus.

Modern Treatment Coverage with Arogya Sanjeevani Health Insurance Plan

The Arogya Sanjeevani Policy offers extensive coverage for advanced treatments, with up to 50% of the sum insured. Irrespective of whether an individual needs inpatient care or daycare services, Arogya Sanjeevani health policy covers the treatment costs. Following is a list of a few advanced treatments that are covered under the plan:

• Oral chemotherapy 
• Immunotherapy
• Bronchial thermoplasty
• Intra vitreal injections
• Robotic surgeries 
• Balloon sinuplasty
• Stem cell therapy
• Deep brain stimulation 
• IONM (Intraoperative neuro monitoring)
• Uterine artery embolisation
• HIFU (high-intensity focused ultrasound)

How to Raise a Claim Under the Arogya Sanjeevani Insurance Policy?

Filing a claim under the Arogya Sanjeevani Health Policy is relatively straightforward. Two options are available: reimbursement and cashless claims. Here’s how you can do it:

1. Notify the Insurer

Please inform your insurance provider about any impending surgeries/treatment or hospital stays as soon as possible.

2. Send in Required Documents

Share required documents as requested by the insurer. This may contain the claim form, hospital bills, and medical reports.

3. Claim Assessment

At this stage, the insurer will evaluate your claim and the authenticity of the documents you have submitted. Next, the insurance provider will process your claim according to the policy terms.

4. Settlement

If your claim is approved, the amount will be paid to the hospital directly (cashless claims) or returned to you (reimbursement claims).

Note: If you opt for a cashless claim, you must share your e-card and UHID with the network hospital and ask them to begin the claim process. If you opt for a reimbursement claim, you must notify the insurer and settle the bills out of your pocket. Next, you will have to submit the documents as requested by the insurer. Your claim will be processed once the claim papers are validated.

Exclusions of Arogya Sanjeevani Policy Details

While the Care Arogya Sanjeevni policy offers extensive coverage, it has specific exclusions. Some of these include:

• Medical costs related to gender transition, cosmetic treatment, or plastic surgeries
• Treatment related to infertility, maternity, childbirth, sterility
• Medical expenses associated with OPD treatment or any permanent exclusions
• Costs incurred in treating alcoholism and drug/substance abuse.

>> Also Read: How to Buy Arogya Sanjeevani Policy Online?

How Can I Buy Arogya Sanjeevani Policy?

Purchasing the Arogya Sanjeevani Plan can be done without any tedious formalities. You can simply:

• Go to CARE homepage and select “Arogya Sanjeevani Policy”.
• Fill in your necessary details. Then click the ‘Get Quote’ option.
• Start customising your plan from the options.
• Finish up the payment process. 
• The insurance provider will share the Arogya Sanjeevani mediclaim policy details and documents to the registered email ID.

The online option at CARE allows you to analyse, compare, and choose the policy that best meets your family's healthcare requirements. Moreover, the online health insurance premium calculator can quickly generate an Arogya Sanjeevani policy premium chart. This will help you make the comparison procedure much more accessible and flexible. For a better experience, try changing the factors to come across different policy premium rates.

Wrapping Up

Considering the modern lifestyle where health emergencies occur unexpectedly, the Arogya Sanjeevani Policy offers more than just financial help. It provides a robust support system. This policy is more than just covering costs. It is about ensuring you and your family can confidently manage any medical issues. However, before finalising, make sure you reach out to the insurance providers to learn the ins and outs of the policy and its terms and conditions.

Disclaimers: The above information is for reference purposes only: Policy Assurance and Claims at the underwriter's discretion.