TATA AIG Arogya Sanjeevani Policy: Eligibility, Coverage, Benefits

TATA AIG Arogya Sanjeevani Policy

TATA AIG General Insurance Company provides Arogya Sanjeevani policy based on the IRDAI guidelines. It is a comprehensive health insurance plan that can be purchased at an affordable premium. The features and coverage benefits of this plan are given below.

TATA AIG Arogya Sanjeevani Policy- Eligibility Criteria

The Arogya Sanjeevani health scheme covers modern treatment expenses and all the day-care procedures. Moreover, health insurance coverage is available on a family floater and individual basis. Arogya Sanjeevani policy is suitable for those who are looking for a cost-effective health plan during the COVID-19 pandemic.

Eligibility Criteria

Criteria	Specifications
Sum Insured	Rs 50,000 to Rs 10 lakh
Entry Age Criteria	18-65 years
Dependent Children	3 months-25 years
Co-payment	5%
Coverage Type	Individual/Family Floater
Cumulative Bonus	5%-50%% for claim-free year

Key Features of TATA AIG Arogya Sanjeevani Policy

Tata AIG Arogya Sanjeevani policy offers the following features and benefits to the insured:

Anyone between the age group of 18-65 years can get insurance cover including dependent children from 3 months to 25 years
The policy tenure option is 1-year and the coverage is available on both individual and family floater basis
The family members that can be covered include spouse, children, parents, and parents-in-law
The policy is renewable for lifelong
The best part is that the policy premium can be paid in installments
Pre-medical screening is only required for people above the age of 45-years
Tax benefits under the Section 80D are provided on the premium paid

Inclusions of TATA AIG Arogya Sanjeevani Policy

TATA AIG Arogya Sanjeevani policy covers the following expenses during the policy term:

Expenses incurred on Cataract treatment are payable up to Rs 40,000 or up to 25% of the coverage amount
Ayush treatment charges for Ayurveda, Homeopathy, Unani, Yoga, Siddha, and Naturopathy treatment up to the sum insured limit
The policy covers room rent, boarding, and nursing charges equal to 2% of the sum insured or Rs 5000
The insured can file a claim for Intensive Care Unit (ICU)/Intensive Critical Care Unit (ICCU) expenses. The limit is up to Rs 10,000 or 5% of the coverage amount per day
Modern treatment expenses ranging from oral chemotherapy, robotic surgeries, stem cell therapy, to balloon sinuplasty
All the daycare procedures are payable under this health plan

Exclusions of TATA AIG Arogya Sanjeevani Policy

Claims filed for the medical expenses arising due to the following situations are not covered:

Pre-existing disease until the completion of 48 months of the waiting period
Specific diseases till the waiting period of 24 months is over
Any medical emergency arising out of war, and related incidents are excluded
The policy excludes the expenses incurred OPD charges and domiciliary or home treatment
Treatment for Obesity/ Weight Control are excluded as well
Rest Cure, rehabilitation, and respite care expenses are not covered
Adventure and hazardous sports-related hospitalization expenses are also not covered

To know more about TATA AIG Arogya Sanjeevani policy you can write to us at care@policybazaar.com or speak to us at 1800-708-8787.

How to file Health Insurance Claim for TATA AIG Arogya Sanjeevani Policy?

The process to file cashless and reimbursement claims for Arogya Sanjeevani policy are given below:

Reimbursement Claims:

In cases of emergency hospitalization you need to inform the Tata AIG Health Insurance Company for claim reimbursement:

Pre-hospitalization reimbursement- File the claim within 30-days of getting discharged from the hospital
Post-hospitalization reimbursement- File the claim within 15-days of availing of hospital treatment

Cashless Claims:

For hospitalization in TATA AIG network hospitals, you can file cashless health claims
To start the process, you need to fill the TATA AIG cashless health insurance claim form. You can take this from form the TPA at the network hospital
This form will be sent to the TATA AIG General Insurance Company/TPA for authorization. After the verification, a pre-authorization letter will be issued to the hospital by the Insurer’s TPA
Once it’s done you need to sign and verify the hospital discharge papers
The TPA/Insurance Company holds the right to accept or deny the pre-authorization in case some medical bills/documents are pending
You can file a reimbursement claim if the cashless claim is not accepted

For more details, you can speak to the insurer or call us at 1800-708-8787 or write to us at care@policybazaar.com

FAQs

Q1. Are homeopathy and Ayurveda treatment covered under the TATA AIG Arogya Sanjeevani health insurance policy?

Yes, homeopathy and Ayurveda treatment expenses are covered under the TATA AIG Arogya Sanjeevani health insurance policy. You can check the policy wordings and find in-patient Ayush hospitalization cover for Homeopathy, Ayurveda, Yoga, Unani, Siddha, and Naturopathy systems.
Q2. I am looking for a health plan with Rs 10 lakh sum insured, does TATA AIG Arogya Sanjeevani policy offers the same?

Yes, you can buy Tata AIG Arogya Sanjeevani policy for minimum of Rs 50,000 and goes up to Rs 10 lakh.
Q3. Is cashless treatment available under the TATA AIG Arogya Sanjeevani plan?

Yes, you can avail cashless hospitalization facility in more than 7200 network hospitals with TATA AIG General Insurance Company Limited.
Q4. Can my family be covered under the TATA AIG Arogya Sanjeevani health insurance policy?

Yes, your family can be covered under the TATA AIG Arogya Sanjeevani health insurance policy. You can insure your wife, children, parents, and parents-in-law
Q8. Can I buy the TATA AIG Arogya Sanjeevani policy from Policybazaar?

Yes, you can buy the TATA AIG Arogya Sanjeevani policy online from Policybazaar.com. You can reach out to them at care@policybazaar.com or 1800-708-8787.

Policybazaar exclusive benefits

30 minutes claim support*(In 120+ cities)
Relationship manager For every customer
24*7 claims assistance In 30 mins. guaranteed*
Instant policy issuance No medical tests*

Health insurance companies

View more insurers

Disclaimer: The list mentioned is according to the alphabetical order of the insurance companies. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. For complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website www.irdai.gov.in

Tata AIG Health Insurance Plans

Health MediRaksha

Wellsurance Executive Policy

Wellsurance Family

Wellsurance Woman

Individual Accident & Sickness Hospital Cash