Aditya Birla Arogya Sanjeevani Policy: Eligibility, Coverage, Benefits

Aditya Birla Arogya Sanjeevani Policy

Aditya Birla Health Insurance Co. Ltd. provides Arogya Sanjeevani health plan as per the IRDAI guidelines. It is a standard medical insurance product that helps uninsured people avail the best healthcare services at an affordable premium. Aditya Birla Arogya Sanjeevani policy offers sum insured options from Rs 1 lakh to Rs 5 lakh. Here are all the details regarding the policy features, inclusions, and exclusions.

Criteria	Specifications
Entry Age Criteria	18-65 years
Dependent Children	3 months-25 years
Sum Insured	Rs 1 lakh to Rs 5 lakh
Co-payment	5%
Coverage Type	Individual/Family Floater
Cumulative Bonus	5% for claim-free year
Cashless Hospitals	8400+
Premium Starting	Rs 5117/ per year

Key Features of Aditya Birla Arogya Sanjeevani Policy

Aditya Birla Arogya Sanjeevani policy offers the following features and benefits to the insured:

Once you get admitted to a network hospital you can avail cashless treatment in the network hospitals
Aditya Birla Arogya Sanjeevani policy provides a 5% increase in the sum insured for every claim-free year
The policy tenure option is 1-year on both individual and family floater basis
Any treatment can be availed after the completion of 30-days of the waiting period
Pre-existing diseases are covered after a waiting period of 48-months
There is compulsory co-payment of 5%
Specific illnesses like hernia, cataract are claimable after a waiting period of 24-months

Inclusions of Aditya Birla Arogya Sanjeevani Policy

Aditya Birla Arogya Sanjeevani policy covers the following expenses during the policy term:

The insured can file claim for Intensive Care Unit (ICU)/Intensive Critical Care Unit (ICCU) expenses. The limit is up to Rs 10,000 or 5% of the sum insured per day
Cataract treatment coverage limit is 25% of the sum insured or a maximum of Rs 40,000
In-patient Ayush treatment expenses under Homeopathy, Ayurveda, Unani, Naturopathy, Yoga, and Siddha are payable up to the sum insured limit
Aditya Birla Arogya Sanjeevani policy also includes room rent and nursing charges up to Rs 5000 or a maximum of 2% of the sum insured
You can also file a claim for p30 days of pre-hospitalization expenses and 60 days of post-hospitalization expenses
This Arogya Sanjeevani health insurance plan covers all the daycare procedures

Exclusions of Aditya Birla Arogya Sanjeevani Policy

During the policy tenure following claims are not permissible under the Arogya Sanjeevani health policy:

Any health emergency resulting due to war, the act of a foreign enemy, revolution, and similar acts shall be excluded from claims
The policy covers the expenses incurred OPD charges and domiciliary or home treatment
Treatment for drugs, alcoholism, and substance abuse are excluded as well
Treatments received in spas, nature cure clinics, or similar establishments are not covered
Any treatment that is received outside the geographical limits of India cannot be claimed under the Arogya Sanjeevani medical insurance policy

If you want to buy Arogya Sanjeevani health insurance policy then you can write to us at care@policybazaar.com or speak to us at 1800-708-8787.

FAQs

Q1. What is covered under Ayush Treatment if I buy Arogya Sanjeevani health insurance policy from Aditya Birla Health Insurance Co. Ltd?

Ayush Treatment expenses include in-patient treatments such as Ayurveda, Unani, Siddha, Yoga & Naturopathy, and Homeopathy systems.
Q2. What are the sum insured/coverage options under the Aditya Birla Arogya Sanjeevani health insurance policy?

The minimum sum insured option under the Aditya Birla Arogya Sanjeevani health insurance policy is Rs 1 lakh and a maximum of Rs 5 lakh.
Q3. If I avail of treatment outside India, will that be payable under the Aditya Birla Arogya Sanjeevani policy?

No, medical treatments outside India are not payable under the Aditya Birla Arogya Sanjeevani health plan.
Q4. What is starting premium for Aditya Birla Arogya Sanjeevani health insurance policy?

The starting premium for Aditya Birla Arogya Sanjeevani health insurance policy is as low as Rs 5117 per year.
Q5. Is cashless hospitalization facility provided under the Aditya Birla Arogya Sanjeevani plan?

Yes, you can avail cashless hospitalization facility in nearly 8400 hospitals under the network panel of Aditya Birla Health Insurance Company Limited.
Q6. I need to buy a Rs 5 lakh health plan, is the Aditya Birla Arogya Sanjeevani scheme good?

Yes, the Aditya Birla Arogya Sanjeevani plan is good if you want a nominal sum insured within Rs 5 lakh at an affordable premium. To policy includes hospitalization cover, Ayush treatment cover, and even daycare treatments within India.
Q7. I need to buy a health plan for me and my children, should I buy Arogya Sanjeevani health insurance policy from Aditya Birla Health Insurance Co. Ltd?

Arogya Sanjeevani health insurance policy is suitable for you and your family if you are looking for medical insurance coverage up to Rs 5 lakh. With this you will be able to avail hospitalization cover, Ayush treatment expenses cover and even day care treatments for piles, hernia, cataract, etc.
Q8. Can I buy Arogya Sanjeevani policy from Policybazaar?

Yes, you can buy the Arogya Sanjeevani policy online from Policybazaar.com. The email id is care@policybazaar.com and the helpline number is 1800-708-8787.

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