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Health Insurance 1195 views September 11, 2020
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.
Table of Contents
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:-
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
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:-
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:-
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.
Particulars | Details |
---|---|
Minimum Age of Entry | 18 Years |
Maximum Age of Entry | 65 Years |
Minimum Age of Entry for a Dependent Child | 91 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 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
Waiting Period of 4 Years