Bharti Axa Arogya Sanjeevani Policy

As per the IRDA guidelines every insurance company has to sell a common health plan that has the same benefits and eligibility criteria so that the individual doesn’t get confused while buying the health plan. So, you can see the Bharti Axa Arogya Sanjeevani Policy that has a lot of benefits and it covers many health risks. You can add a child of just 91 days old to this policy and take a maximum sum assured of up to Rs.5 lacs. This policy is available on an individual basis and as well as for the whole family. So, let’s explore the key features of this and see how it will help you to fight the health issues.

Key Features of Bharti Arogya Sanjeevani Policy

1. Flexibility of choosing the Sum Assured and it has to be decided when you are buying the plan.
2. Add your family members to the same plan and cover their health risks.
3. This policy is available for the time period of 1 year.
4. Pre and Post hospitalization expenses are also covered in this plan.
5. AYUSH Treatment expenses are covered in this plan.
6. You will be indemnified for the expenses done for the cataract treatment.
7. Enjoy a cumulative bonus of 5% after every claim-free year.
8. Get tax benefits as per the tax laws.

Benefits of Arogya Sanjeevani Plan

Now here you must see the risks that are covered in this plan. You will be compensated for the expenses that are mentioned below.

Hospitalization Expenses

In this benefit, the company will reimburse the bed-charges, nursing charges, blood tests, ICU Charges, and other consultation fees. You can see the coverage 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 Expenses

All the expenses prior to 30 days to hospitalization are covered in this health insurance plan and they are known as pre-hospitalization expenses. On the other hand, the expenses paid after discharge until 60 days are covered in this insurance plan and they are known as post-hospitalization expenses.

Other Diseases Expenses

1. You will get 50% of the Sum Assured if you are going for the treatment of any disease mentioned 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

AYUSH Treatment Expenses

Ayurveda, Unani, Siddha, and Homeopathy treatment expenses will be indemnified by the company. AYUSH treatment is also known as Ayurvedic Treatment and if you are going through these treatments then the expenses will be reimbursed to you.

Cataract Expenses Reimbursement

The treatment of Cataract Illness is covered in this plan and the company will indemnify for the expenses. 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 Expenses

The Day Care Treatment expenses are covered in the Bharti Axa Arogya Sanjeevani Policy. It means that if in case you aren’t hospitalized and your treatment has been done within 24 hours then the expenses for that treatment will be covered in this in Policy.

Dental Treatment and Plastic Surgery

The Dental Treatment and Plastic Surgery expenses will be reimbursed by the company if in case it is needed due to any other disease. The company will indemnify all the losses for Dental Treatment and Plastic Surgery.

Ambulance Expenses

The ambulance expenses will also be reimbursed in this health insurance plan. Rs.2000 is the maximum amount that is capped for the Ambulance Expenses in this insurance plan.

Cover your Family

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

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

No Claim Bonus

You will get a cumulative bonus of 5% every year if you don’t make any claim. I other words, if you pass a year without making any claim then the company will increase the amount of the Sum Assured by 5%. The company will add the no-claim bonus of 5% of the Sum Assured to the remaining Sum Assured every year until it reaches 50% of the Sum Assured. The premium of the policy will remain the same and the value of the Sum Assured will keep on increasing.

Eligibility Criteria of Bharti AxaArogya Sanjeevani Policy

Waiting Period of this Health Plan

There is a waiting period of 2 years and 4 years in this insurance plan depending upon the disease you have. You can see the diseases that have a waiting period of 2 years and 4 years.

2 Years of Waiting Period

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

Waiting Period of 4 Years

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