Bajaj Allianz Arogya Sanjeevani Policy: Eligibility, Coverage, Benefits

Bajaj Allianz Arogya Sanjeevani Policy

Arogya Sanjeevani policy is an affordable and beneficial health insurance plan by Bajaj Allianz General Insurance Company Limited. Anyone up to the age of 65 years can get insurance cover for hospitalization expenses including modern treatments and COVID-19 hospitalization. From oral chemotherapy to robotic surgeries, Bajaj Allianz Arogya Sanjeevani health insurance plan covers it all. Here are the policy features, coverage benefits, and premium details below.

Features	Specifications
Entry Age	Adults: 18- 65 years Children: 3 months- 25 years
Coverage Type	Individual/Family Floater
Sum Insured	Rs 1 lakh to Rs 25 lakh
Policy Term	1 Year
Modern Treatment Cover	Up to 50% of the Sum Insured
Co-payment	5%
COVID-19 Treatment	Covered
Pre-existing Disease Waiting Period	48 months
Premium	Rs 2890 onwards

Features of Bajaj Allianz Arogya Sanjeevani Policy

Bajaj Allianz Arogya Sanjeevani health insurance policy is loaded with the following features and benefits:

The sum insured options under the Bajaj Allianz Arogya Sanjeevani policy range from Rs 1 lakh to Rs 25 lakh
The policy covers all the daycare procedures as well
Pre-acceptance medical screening is only required for people above the age of 45 years
Pre and post hospitalization expenses are claimable for 30 days and 60 days respectively
5% cumulative bonus is provided for all the claim-free years
Hernia, varicose veins, fissures, congenital anomalies, sinus, benign tumors, polyps, cysts, and some other specific disease treatment/ surgery are payable after completion of 24 months of the policy term
The insured has an option to pay the premium in installments

Inclusions of Bajaj Allianz Arogya Sanjeevani Policy

Bajaj Allianz Arogya Sanjeevani policy provides the following coverage benefits:

Modern Treatments are covered up to 50% of the Sum Insured
Cataract surgery 25% of Sum Insured or Rs.40,000
Road ambulance cover up to Rs 2000
Room Rent capping is kept at 2% of the sum insured up to a maximum of Rs 5000 per day
ICU cover up to 5% of the sum insured or up to a maximum of Rs 10,000 on a daily basis
Ayush treatment charges for Homeopathy, Naturopathy, Siddha, and Unani are covered

Exclusions of Bajaj Allianz Arogya Sanjeevani Policy

Bajaj Allianz Arogya Sanjeevani policy does not cover the following expenses:

Obesity/weight control treatments
Maternity expenses are not claimable
OPD treatment and domiciliary hospitalization expenses
Infertility and sterility treatment are excluded

How to File a Claim for Bajaj Allianz Arogya Sanjeevani Policy?

To file a cashless and reimbursement claim for Bajaj Allianz Arogya Sanjeevani Policy follow the process as given below:

You can call the insurer or speak to our health insurance experts at 1800-708-8787 for assistance
Inform your policy ID number and registered email id
At the time of hospital admission, you can furnish the ID Card issued by the Insurer at the Hospital Helpdesk
You need to get the pre-authorization Form from the Hospital Help Desk, provide the Patient Information, and re-submit is to the Hospital Help Desk
For emergency hospitalizations, the information needs to be provided within 24 hours after hospitalization
In non-network hospitals, you need to pay the amount up-front and then file for reimbursement claim with all the documents
On the other hand, in network hospitals when you are availing the cashless treatment the amount will be settled by the insurer directly with the hospital

FAQs

Q1. Does Bajaj Allianz General Insurance provide Arogya Sanjeevani policy?

Yes, you can buy the Bajaj Allianz Arogya Sanjeevani policy online from Policybazaar.com. You can check the coverage benefits and then make the purchase.
Q2. What are the modern treatments that are covered under the Bajaj Allianz Arogya Sanjeevani policy?
Following modern treatment procedures are covered up to 50% of the sum insured under the Bajaj Allianz Arogya Sanjeevani policy:
- Uterine Artery Embolization and HIFU (High intensity focused ultrasound)
- Balloon Sinuplasty
- Oral chemotherapy
- Immunotherapy
- Deep Brain stimulation
- Stereotactic radio surgeries
- lntra vitreal injections
- Robotic surgeries
- Bronchial Thermoplasty
- Vaporisation of the prostrate
- ION M - (Intra Operative Neuro Monitoring)
- Stem cell therapy
Q3. What are the sum insured options under the Bajaj Allianz Arogya Sanjeevani policy?

The minimum sum insured option under the Bajaj Allianz Arogya Sanjeevani policy is Rs 1 lakh and the maximum is up to Rs 25 lakh.
Q4. How many daycare procedures are covered under the Bajaj Allianz Arogya Sanjeevani policy?

Bajaj Allianz Arogya Sanjeevani policy covers all the daycare procedures during the policy term.
Q5. Do I need to undergo pre-medical screening before buying the Bajaj Allianz Arogya Sanjeevani policy?

Applicants only above the age of 45-years need to undergo pre-medical screening before buying the Bajaj Allianz Arogya Sanjeevani policy.

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