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Health Insurance 1676 views September 4, 2020
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.
Table of Contents
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.
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:-
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.
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:-
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.
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
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.
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.
You can add your family members to the same insurance plan. Members that can be added to this policy are:-
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.
Particulars | Details |
---|---|
Minimum Age of Entry | 18 Years |
Maximum Age of Entry | 65 Years |
Minimum Age of Entry for a Dependent Child | 90 Days |
Maximum Age of Entry for a Dependent Child | 25 Years |
Minimum Sum Assured | Rs.1 Lac |
Maximum Sum Assured | Rs.5 Lacs |
Policy Term | 1 Year |
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
Waiting Period of 24 Months