5 Key Points to Know About the New Indemnity-Based Arogya Sanjeevani Health Insurance Plan

This type of health insurance policy comes with standard features like pre and post-hospitalisation, in-patient care, AYUSH treatment, etc. Anyone between 18 and 65 can purchase this plan.

With the rising cost of medical treatment, getting quality treatment has become difficult. To ease this, the Arogya Sanjeevani policy has been introduced. However, there are some pointers to know about the policy.

One of the things to look for while buying an Arogya Sanjeevani policy is medical coverage. The policy includes coverage for pre- and post-hospitalisation expenses for a specified number of days, daycare procedures and AYUSH treatments. It also covers expenses related to cataract surgery, dental treatment and other necessary medical treatments.

The plan has a minimum entry age requirement of 18 to 65. Individuals can also add family members such as themselves, their spouse, dependent children and parents. The age requirement for the dependent children under the plan is between 91 days and 25 years.

Another thing to look for while buying an Arogya Sanjeevani policy is the sum insured. The plan has a sum insured range between ₹50,000 to ₹10,00,000. Your choice should depend on factors like your age, existing health conditions, the number of people covered under the policy and the cost of healthcare in your city.

The plan also comes with a waiting period. During this period, policyholders can not avail themselves of the Arogya Sanjeevani policy benefits. The initial waiting period is 30 days from the date of issuance. While purchasing a plan, it is best to ensure that the waiting period aligns with your health requirements.

Another thing to look for while purchasing an Arogya Sanjeevani policy is the co-payment clause. A co-payment is the decided percentage of the claim amount that the policyholder must bear out of their own pocket while the insurance provider pays the remaining portion.

Under the Arogya Sanjeevani policy, a mandatory co-payment of 5% applies to every claim, regardless of the insured’s age.

The Arogya Sanjeevani policy is a smart choice for individuals looking for basic health coverage. It is a cost-effective insurance plan for you and your family members. However, when buying an Arogya Sanjeevani policy, look for an insurance provider with a reputation in the market.

Arogya Sanjeevani offers affordable, IRDAI-standardised health coverage with pre/post-hospitalisation, AYUSH care, ₹50,000–₹10 lakh sum insured, 30-day waiting period and 5% co-payment for all claims.