In India, the rising medical inflation making it difficult for families to afford medical treatment and healthcare expenses. Health insurance becomes necessary, especially after the pandemic outbreak. Still, people refrain from opting for it because of the high premium or other financial responsibilities. Therefore, keeping in mind the problems common people face, we offer Arogya Sanjeevani Policy. Let’s get into more details about this policy and why you should buy it?
Arogya Sanjeevani Policy: The Need for a Basic Health Cover
Arogya Sanjeevani Policy comes as a boon as it is an affordable health policy that takes care of various medical expenses and minimizes the treatment burden. It is a standard health insurance policy introduced by the Insurance Regulatory and Development Authority of India (IRDAI) in April 2020. It offers maximum coverage of Rs.5 Lac at a reasonable premium along with numerous benefits. You can get it as an individual or family floater policy to avail healthcare facilities during a medical emergency or for planned treatment.
Medical Inflation and Importance of Health Insurance
Some important features of Arogya Sanjeevani Policy are:
- In-patient hospitalization including – AYUSH (Ayurveda, Unani, Yoga and Naturopathy, Siddha, and Homeopathy)
- Pre & Post-Hospitalization for 30 and 60 days, respectively
- Cashless hospitalization at network hospitals
- Up to 50% increase in Sum Insured with no claim bonus
- No add-ons or other variants can be added to the policy
- No co-payment discount above 60 years of age
- Avail discounts of 2.5 to 5% for covering more than one person from the same family
- Tax Benefit u/s 80D of the Income Tax Act of India 1961
- Coverage for daycare treatments, ambulance expenses, and cataract treatment
Advanced Treatments Covered Under Arogya Sanjeevani Policy
The best part of the policy is that it offers coverage for advanced treatments to ensure better results and speedy recovery. Listed below are some of the advanced treatments cover under the policy:
- Robotic Surgeries
- Balloon Sinuplasty
- Deep Brain Stimulation
- Stereotactic Radio Surgeries
- Stem Cell Therapy
- Oral Chemotherapy
- Immunotherapy-Monoclonal Antibody to be given as an injection
- Intra Vitreal Injections
- Bronchial Thermoplasty
- IONM (Intra Operative Neuro Monitoring)
>>Also read Know what all Arogya Sanjeevani policy offers and its coverage
Medical Inflation and Importance of Health Insurance
Healthcare advancement in India brings new hopes for the people. It is encouraging to know that there is a cure available even for life-threatening diseases. However, the expenses resulting from medical treatment are often on the higher side. It can drain one’s savings. Hence, having the support of a separate health insurance coverage brings a big sigh of relief. It covers hospitalization and treatment expenses and offers several benefits.
The Arogya Sanjeevani Policy is beneficial for people with limited means of income. It is an indemnity-based health cover that you can get at an affordable premium. It reduces the financial stress that hospitalization or any medical emergency can bring.
Conclusion
Choosing the best health insurance involves a lot of planning and assessment of one’s healthcare needs. You can opt for our Arogya Sanjeevani Health Insurance Policy online. It has a hassle-free claim process and acts as a safety net against those ever-increasing medical costs.
Disclaimer: Plan features, benefits, coverage, and underwriting of claims are subject to policy terms and conditions. Please refer to the brochure, sales prospectus, and policy documents carefully.
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