Acko Arogya Sanjeevani Policy

Every individual knows that the medical emergency can wash away their savings so it is better to take a health insurance plan. IRDA has launched a common health plan that is sold by almost all insurance companies. Here you can see the Acko General Insurance Arogya Sanjeevani Policy that can benefit you in a medical emergency. This plan is available at a Sum Assured starting from Rs.1 Lac and it is available up to Rs.5 Lacs. There are a lot of risks that are covered in this insurance plan. So you can take a look at the features of this plan and the various covers you can enjoy under it.

Key Features of Acko Arogya Sanjeevani Policy

1. You are free to choose the Sum Assured at the time of inception of the policy.
2. Enjoy Tax Benefits under Section 80C of the Income Tax Act 1961.
3. Get a no-claim bonus every year if you don’t make any claim.
4. The cost of an ambulance is also covered in this plan.
5. Pre and Post-Hospitalization expenses are covered in this plan.
6. The cost of AYUST treatment is also covered in this plan.
7. Get a Free-Look period of 15 days in this insurance plan.

Benefits of the Acko Arogya Sanjeevani Plan

Now, you must explore the various benefits of this health insurance plan. This plan has a lot of exclusive benefits that are not available in other health plans.

Hospitalization Cover

Expenses that are related to the hospitalization are covered in this health plan like bed-charges, nursing charges, blood tests, ICU Charges, and other consultation fees. You can see them below:-

1. Room’s Rent- 2% of the Sum Assured of up to Rs.5000.
2. ICU’s Rent- 5% of the Sum Assured of up to Rs.10000.

Pre and Post-Hospitalization Cover

The company will cover the pre-hospitalization expenses prior to 30 days to hospitalization. On the other hand, the company will reimburse those expenses as well that you have paid after hospitalization until 60 days.

Cataract Treatment Cover

You will also get a Cover for the treatment of Cataract Illness which means all the expenses done for the treatment will be reimbursed. The cover you will get for the cataract treatment will be the lowest of the following:-

1. 25% of the Sum Assured
2. Rs.40000

Treatment in a Day Cover

If you aren’t hospitalized and your treatment has been done in a day then those expenses will also be covered in this health insurance plan. So, the treatment done in a day will also be covered in this plan.

Dental Treatment and Plastic Surgery

The Acko General Insurance Arogya Sanjeevani Policy covers the Dental Treatment and Plastic

Surgery if in case it is needed due to any other disease. The company will pay back all the expenses incurred in the Dental Treatment and Plastic Surgery.

AYUSH Treatment

If you are going through Ayurveda, Unani, Siddha, and Homeopathy Treatment then the expenses incurred in it will be covered by the company.   treatment is also known asAyurvedic Treatment. So, if you are going through any of the treatment then it is covered in this Policy.

Other Diseases Coverage

There are some diseases and treatments that are covered in this policy and you can see them below.

1. Uterine Artery Embolization and HIFU (High-Intensity Focused Ultrasound)
2. Balloon Sinoplasty
3. Deep Brain Stimulation
4. Oral Chemotherapy
5. Immunotherapy – Monoclonal antibody to be given as an injection
6. Intravitreal injections
7. Robotic Surgeries
8. Stereotactic radio surgeries
9. Bronchial Thermoplasty
10. Vaporisation of Prostrate (Green Laser treatment of Holmium laser treatment)
11. IONM – (Intra Operative Neuro Monitoring)
12. Stem Cell Therapy

Ambulance Cover

The company will also reimburse the ambulance expenses as well in this health insurance plan. The maximum reimbursement capped for the Ambulance Expenses is up to Rs.2000 per hospitalization.

Cover your Loved Ones

You can add your family members to the same insurance plan. Members that can be added to this policy are:-

1. Spouse
2. Children
3. Parents
4. In-laws

No Claim Bonus

If you haven’t made any claim during the policy term of one year then the company will increase the amount of the Sum Assured by 5%. You will get a no-claim bonus of 5% of the Sum Assured every year after a claim-free year until it reaches 50% of the Sum Assured. The value of the Sum Assured will increase every year whereas the amount of premium remains the same.

Eligibility Criteria of Acko General Insurance Arogya Sanjeevani Policy

Waiting Period of This Health Plan

1. 48 Months for the Joint Replacement Treatments
2. 24 Months for a Certain Specific Illness
3. 48 Months for any Pre-Existing Disease
4. 30 Days after buying the policy
5. 48 Months for Age-Related Osteoarthritis and Osteoporosis