Care Health Arogya Sanjeevani Policy

Health issues are a major concern for many individuals as it washes away all the hard-earned money during an emergency. Therefore you should be prepared for such uncertainties through a health insurance plan. So, you can take the Care Health Arogya Sanjeevani Policy that has a very nominal premium and gives you a cover of up to Rs.5 Lacs. On the other hand, you will get coverage for many diseases that include AYUSH Treatment and Cataract Treatment. You can secure your family members under the same plan and all of them will get equal benefits. So, you must go through all the key features of this plan that will help you to know better about it.

Key Features of Arogya Sanjeevani Plan by Care Health Insurance

1. Free to choose the Sum Assured between Rs.1 Lac to Rs.5 Lacs.
2. This insurance plan is available at affordable premiums.
3. This plan allows you to add your family members under the same plan.
4. You are free to pay the premium on a Yearly, Monthly, Quarterly, and Half-Yearly Basis.
5. There is a free-look period of 15 days in this policy.
6. Expenses for the AYUSH Treatment are covered in this plan.
7. Get Tax benefits as per the Tax Laws while computing your annual income.

Benefits of Care Arogya Sanjeevani Plan

This health insurance plan has a lot of exclusive benefits that will help you to protect from the health risks. Multiple diseases are covered in this insurance plan.

Hospitalization Expenses Cover

This plan will cover all the expenses like bed-charges, blood tests, nursing charges, ICU Charges, and other consultation fees if in case you are hospitalized due to health problems. You can see the hospitalization expenses cover 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

1. All the expenses done prior to 30 days to hospitalization are covered.
2. All the expenses done after discharges for up to 60 days are covered in this insurance plan.

Cataract Expenses Cover

All the expenses incurred for the treatment of Cataract Illness are covered and the reimbursement for the cataract risk will be the lowest of the following:-

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

Day Care Treatment Expenses

If in case you are going through a day care treatment that is received within 24 hours without being hospitalized then those expenses are covered in this health insurance plan. The treatment received by the insured within a day and they are not hospitalized is known as the day care treatment.

Cover for Dental Treatment and Plastic Surgery

If Dental Treatment and Plastic Surgery are needed due to any other disease then the expenses for such treatments will be reimbursed as per this insurance plan. Expenses incurred for the Dental Treatment and Plastic Surgery will be reimbursed.

AYUSH Treatment

In the Care Health Arogya Sanjeevani Policy, AYUSH Treatments also known as the Ayurveda, Unani, Siddha, and Homeopathy treatments are covered. So, the expenses of these Ayurvedic Treatments will be reimbursed by the company.

Risks and Diseases Covered

The company will cover the following treatments only up to 50% of the Sum Assured:-

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

You will get a cover for the ambulance charges as well in this health insurance plan. The maximum cover for the cost of the ambulance will be up to Rs.2000 per
hospitalization.

Cover your Family

You can add the following family members to this health plan and can enjoy discounts on the premiums.

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

Claim-Free Year Benefit

The company will add 5% of the Sum Assured to the actual Sum Assured every year if you don’t make any claim. This bonus will be added after every claim-free year to the current Sum Assured value until the additional value reaches 50% of the Sum Assured.

Other Details of Care Health Arogya Sanjeevani Policy

Waiting Period of this Health Plan

You must know the waiting period of this health insurance policy for the treatment of various diseases. There is a waiting period of 2 years and 4 years in this plan for various diseases and you can see all of them below:-

Treatments Having a Waiting Period of 2 Years

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

Treatments Having a Waiting Period of 4 Years

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