Arogya Sanjeevani Policy

Looking for an affordable premium? Here’s everything about Arogya Sanjeevani Policy in India

Health is the most precious thing in recent times. The repercussions of an illness can last a lifetime if the correct medication and immediate medical care aren’t given. One factor that assists in the proper care of the patient is a health insurance policy.

A health insurance policy can protect you in case of grave illnesses and any consequences the patient may have to suffer because of it. The latest medical emergencies around the world were triggered by a particularly nasty virus called COVID-19. One of the things that truly helped people recover from this sticky situation was a health insurance policy.

Healthcare is a basic need that should be available to every citizen of the country. Making healthcare affordable for all sections of society is imperative for a healthy nation. Keeping this in mind, a robust health insurance policy was introduced by the government in 2020. This policy is called Arogya Sanjeevani Policy. Let us take a look at the policy and what it offers.

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It is quite obvious that health insurance is essential for enhancing the quality of life. The financial liabilities that come with hospital bills can wipe out your savings and force you to alter your life plan. With Arogya Sanjeevani Policy in your corner, you don’t have to worry about the financial implications of hospitalization. It is no secret that healthcare costs are steadily rising along with health complications. Arogya Sanjeevani Policy offers a helping hand with affordable premiums. Having such an insurance policy is a smart way to save tax, invest in your future, and plan financial goals.

Who Should Think Of Buying Arogya Sanjeevani Policy?

Although it is a policy suitable for everyone, for those who fall in the category below, there is truly nothing better available in the market. Let us take a look at who should give Arogya Sanjeevani the first preference when looking to buy health insurance.

  1. For those starting their careers – If you are young and are just starting on your own in the world, this is the perfect policy for you. You don’t have to spend a lot on the premiums and in return, you get a coverage of 5 lakhs which can be sufficient for 1 individual for a whole year. It is wise to remember that the premium you spend towards health insurance is eligible for a tax deduction as well. So, you would be gaining double in one shot.
  2. Protection against COVID-19 – This policy was announced on the 1st of April, 2020, keeping in mind the havoc wrecked by COVID-19 across the world. Most policies predating this time have no coverage against COVID-19 as it had not spread by then. If your priority is only and only COVID-19, then this is the perfect health insurance policy for you.
  3. Affordable premium and lots of benefits – If you’re primary concern is the premium you will end up paying then, Arogya Sanjeevani Policy is great to protect you and your family. You can get your entire family insured at minimal cost and provide a protective cover to ensure they live a long, happy, and healthy life.

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Coverage Offered By Arogya Sanjeevani Policy

Let us take a look at what is covered under Arogya Sanjeevani Policy.

  1. Hospitalization charges – Any charges that are incurred due to an accident or illness which has resulted in hospitalization, are taken care of. The pre and post-hospitalization charges are also included in this.
  2. AYUSH – Any alternative treatment at certified government-approved centers is covered.
  3. Room rent when hospitalized – When you are hospitalized you can choose any room which has a rent of up to 5000 rupees per day.
  4. ICU/ICCU – Expenses incurred on ICU and ICCU are covered up to 5% of the assured sum or 10,00 rupees per day, whichever is lower.
  5. Ambulance Services – The charges of hiring an ambulance in case of emergencies are also covered under Arogya Sanjeevani Policy.
  6. Plastic surgery or dental treatments – These treatments that are necessary due to an injury are also covered.
  7. Cataract surgery – Most senior citizens need this surgery to restore vision. This surgery is also covered under Arogya Sanjeevani Policy.
  8. Alternate treatments – Various new-age treatments have been developed to deal with various critical illnesses. There is a list of treatments that are mentioned in the policy, which are covered under the Arogya Sanjeevani Policy.

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Benefits of Arogya Sanjeevani

Along with the items that are covered, there are a few benefits that make this policy suitable for everyone.

  1. Cumulative Bonus – If you don’t place a claim in a year, then 5% of your assured sum is added to the next year.
  2. Renewability – Arogya Sanjeevani boosts lifelong renewability once you have bought the policy.
  3. Premium – The lower premium and a long list of benefits are indicative of the fact that you are bound to get a good deal no matter what.
  4. Low copayment – Copayment is the percentage that is expected from the insured when placing a claim. According to this policy, the copayment is as low as 5%.
  5. Individual and family floater options available – Whenever you are buying Arogya Sanjeevani Policy you have multiple options to choose from depending on your need.
What if you feel the Coverage is not enough?

If you feel that Arogya Sanjeevni coverage limit is not sufficient, you can look for comprehensive plans that offer better coverage. You can compare plans and buy health insurance online, which could ensure maximum coverage at a competitive price.

With every rider or add-on you include in your health insurance, the premium amount will increase proportionately.. So, before proceeding, just make sure that you add only those add-ons that are necessary for you, which also contributes better coverage.

If you want to compare comprehensive health policies of different insurers, it is best to visit an online insurance comparison website to make your work easier.

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