About Arogya Sanjeevani Policy
The Arogya Sanjeevani Policy provides comprehensive and affordable protection, offering essential financial support for various health and medical expenses. It ensures peace of mind by covering hospitalization costs ranging from Rs. 1 lac to Rs. 5 Lacs. This coverage is available both for individuals and on a family floater sum insured basis, making it versatile and adaptable to different healthcare needs.
Plan Highlights:
| Categories | Specifications |
|---|---|
| Sum Insured (SI) | Rs. 1, 2, 3, 4, 5 Lacs |
| Policy Tenure | 1 year |
| Cumulative Bonus | 5% of SI increase per claim free year, max up to 50% of SI; |
| Initial Waiting Period | 30 Days |
Plan Eligibility Criteria:
| Parameters | Criteria |
|---|---|
| Minimum Entry Age |
Adult: 18 Years; Child: 90 Days |
| Maximum Entry Age |
Adult: 65 Years; Child: 25 Years |
| Exit Age |
Adult: 99 Years; Child: 25 Years |
| Cover Type | Individual and Family Floater: Max up to 6 persons |
| Who are covered | Self, Spouse, Dependent Children, Parents and Parent in Law |
Features & Benefits of Arogya Sanjeevani Policy:
For complete health coverage for your family, choose our Raheja’s Arogya Sanjeevani Policy. It covers all medical expenses and offers discounts, tax benefits, and co-payment options! Here's a detailed look at the key highlights:
Pre Existing Disease
Covered after 4 years from the policy start date
Room Rent Limit
Covered up to 2% of the sum insured, with a maximum limit of Rs. 5,000 per day
ICU Charges
Covered up to 5% of the sum insured, with a maximum limit of Rs. 10,000 per day
Cumulative Bonus
5% of Sum Insured per year, max up to 50% of SI
Pre-Hospitalization
Covered upto 30 days
Post-Hospitalization
Covered upto 60 days
Road Ambulance Cover
Covered up to Rs. 2,000 per hospitalization
Day Care Treatments
All listed day care procedures are covered up to Sum Insured
Co-Pay
The insurance policy covers 95% of the claim, with the remaining 5% to be covered by the policyholder.
AYUSH Treatment
Covered up to Sum Insured
Tax Benefits
Avail of tax benefits up to Rs. 75,000 under Section 80D of the Income Tax Act
Exclusion of Arogya Sanjeevani Policy:
It is important to note that the plan may not cover certain illnesses or medical conditions. Here are some diseases not covered under the Raheja’s Arogya Sanjeevani Policy:
Organ Donor
Not Covered
Domiciliary Hospitalization
Not Available
Maternity Waiting Period
Not Covered
Maternity Benefits Limit
Not Covered
New Born Baby Covered
Not Covered
Daily Hospitalization Allowance
Not Available
Worldwide Emergency Cover
Not Covered
Air Ambulance Cover
Not Covered
Unlimited E-Consultations
Available for Consultations with General Physicians
Permanent Exclusions:
War Related Injuries
Lasik Eye Treatments
Cosmetic Surgery
Administratives Expenses
Drugs or Alcohol Abuse
Registration Fees
Change-of-Gender treatments
