Arogya Sanjeevani Health Insurance , Anyone aged between 18 and 65 can purchase this policy for themselves, their spouse, dependent children (from 91 days old to 25 years old), as well as their parents or parents-in-law.

Arogya Sanjeevani Health Insurance-Eligibility Criteria

नोट - सभी पाठक ध्यान दे! हो सकता है की लेख में लिखित कुछ प्रक्रियाएं वर्तमान समय में अधिकारिक वेबसाइट पर सक्रिय नहीं है। अत:सभी प्रक्रियाएं सक्रिय हो जाने पर आप लेख में लिखित तरीकों से सभी प्रक्रियाओं की जानकारी प्राप्त कर सकत है।

Arogya Sanjeevani Health Insurance-Sum Insured

Minimum 50,000

Maximum 10,00,000

Premium Payment Annually, Half Yearly, Monthly

What Covered and What Not Covered

Covered:

1. Hospital room rent, boarding expenses, and doctor fees.
2. Nursing expenses, operation theatre charges, and ICU charges.
3. Medicines consumed during the hospital stay.
4. Road ambulance charges.
5. Pre-hospitalization expenses up to 30 days and post-hospitalization expenses up to 60 days.
6. AYUSH treatments (Ayurveda, Yoga & Naturopathy, Unani, Siddha, and Homeopathy).

Not Covered:

1. Pre-existing diseases are not covered for the first 4 years of continuous policy coverage.
2. Treatment taken outside India.
3. Admission primarily for investigation and evaluation purposes.
4. Admission primarily for rest cure, rehabilitation, and respite care.
5. Expenses related to surgical treatment of obesity that do not meet specific conditions.
6. Change-of-gender treatments.
7. Expenses for cosmetic surgery.

Starting ₹286/Month^#

Arogya Sanjeevani Health Insurance – Major Benefits

1. No medical check-up up to the age of 55 years for people with no medical history: This benefit implies that individuals up to 55 years old, without any significant medical history, can avail of the insurance policy without undergoing a medical examination. This streamlines the process of obtaining coverage.
2. AYUSH coverage: This indicates coverage for treatments under Ayurveda, Yoga & Naturopathy, Unani, Siddha, and Homeopathy systems of medicine, beyond conventional allopathic treatments.
3. Family Floater: one plan, full family: This feature allows the entire family to be covered under a single policy, simplifying management and possibly reducing costs compared to individual policies for each family member.
4. Road Ambulance Cover: This provides coverage for ambulance services needed during emergencies or for medical transportation.
5. Cumulative Bonus: 5% of SI for each claim-free year, up to 50%: This benefit rewards policyholders with an increase in the sum insured (SI) for every claim-free year, up to a maximum of 50% of the original sum insured.
6. Coverage from Rs 50,000 to Rs 10,00,000: Specifies the range within which the insurance policy provides coverage, catering to different healthcare needs and financial capabilities.
7. Life-long renewability: Ensures that the policy can be renewed annually without any age limit, as long as premiums are paid on time, offering continued coverage throughout one’s life.
8. Tax Deduction under Section 80D: This is a significant benefit for policyholders in India. Here’s a detailed breakdown of this aspect:

• Who can claim: Individuals and Hindu Undivided Families (HUFs) can claim a deduction under Section 80D for the premium paid towards health insurance policies.
• Limits on deduction:
  • For individuals (other than senior citizens): Up to Rs 25,000 per year for the premium paid for themselves, their spouse, and dependent children.
  • An additional deduction of up to Rs 25,000 is available if the policy also covers parents (who are not senior citizens).
  • If the policy covers senior citizen parents, the maximum deduction limit increases to Rs 50,000 (inclusive of the Rs 25,000 for self, spouse, and dependent children).
• Note: The deduction is available for premiums paid by any mode other than cash, and the policy should be in the name of the individual or their family members.
• Additional deduction for preventive health check-up: Within the overall limit, an additional deduction of up to Rs 5,000 is available for expenses incurred on preventive health check-ups for self, spouse, dependent children, and parents (combined).

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