Aditya Birla Arogya Sanjeevani Policy

Health insurance plans are the lender of the last resort when you face any kind of medical emergency. But there are some individuals who think that the premium for this plan is a waste if you don’t make any claim during the policy term. Therefore the IRDA has launched a health plan that has common features and benefits and it is sold by almost all insurance companies. You can take a look at the Aditya Birla Arogya Sanjeevani Policy in which your premium will not be wasted. If you haven’t made any claim in a year then your Sum Assured will increase by 5% and the premium remains the same. So, let’s see the key features of this insurance plan.

Key Features of Birla Arogya Sanjeevani Plan

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

Benefits of the Birla Arogya Sanjeevani Plan

Here you can explore the various benefits of this health insurance plan. This plan has a lot of exclusive benefits that you might not find in other health plans.

Hospitalization Cover

If in case you are hospitalized then the expenses like bed-charges, nursing charges, blood tests, ICU Charges, and other consultation fees are covered in this plan. You can see them below:-

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

Pre and Post-Hospitalization Cover

You will get reimbursement for the pre-hospitalization expenses prior to 30 days to hospitalization. The expenses paid after hospitalization until 60 days also known as post-hospitalization expenses are covered in this insurance plan.

Cataract Expenses Reimbursement

You will also get the reimbursement of the expenses done for the treatment of Cataract Illness. The reimbursement you will get for the cataract treatment will be the lowest of the following:-

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

Day Care Treatment

The expenses done for the Day Care Treatment are also covered in this insurance plan. It means that if you aren’t hospitalized and you have received the treatment in a day then the expenses for that treatment will be covered in this in Aditya Birla Arogya Sanjeevani Policy.

Dental Treatment and Plastic Surgery

The Dental Treatment and Plastic Surgery expenses are covered in this plan if in case it is needed due to any other disease. The company will reimburse 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 the treatment will be covered by the company.

AYUSH treatment is also known as. Ayurvedic Treatment. So, if you are going through these treatments then it is covered in this Policy.

Other Diseases Coverage

1. There are some other diseases and treatments that are covered in this policy and they are given below.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 ambulance expenses will also be reimbursed in this health insurance plan. The maximum cover for the Ambulance Expenses is up to INR 2000 per hospitalization.

Cover your Family

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

This plan includes a no-claim bonus. If you pass a claim-free year then the company will increase the amount of the Sum Assured by 5%. The company will give you 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 and the amount of premium remains the same.

Eligibility Criteria of Aditya Birla Arogya Sanjeevani Policy

Waiting Period of this Health Plan

There are two waiting periods in this insurance plan having a different time span. You can explore the diseases and treatments that need a waiting period.

Waiting Period of 48 Months

1. Treatment for joint replacement unless arising from an accident
2. Age-related Osteoarthritis & Osteoporosis

Waiting Period of 24 Months

1. Internal Congenital Anomalies
2. Varicose Veins and Varicose Ulcers
3. Calculi in the urinary system, Gall Bladder and Bile duct, excluding malignancy
4. Prolapse inter Vertebral Disc and Spinal Diseases unless arising from an accident
5. Pilonidal sinus, Sinusitis, and related disorders
6. Piles, Fissures and Fistula in anus
7. Non-Infective Arthritis
8. Hydrocele
9. Hernia of all types
10. Gout and Rheumatism
11. Gastric/ Duodenal Ulcer
12. Cataract and age-related eye ailments
13. Benign prostate hypertrophy
14. All internal and external benign tumors, cysts, polyps of any kind, including benign breast lumps
15. Hysterectomy
16. Tympanoplasty
17. Mastoidectomy
18. Adenoidectomy
19. Benign ENT disorders
20. Tonsillectomy