Health Insurance 1668 views September 18, 2020

Go Digit Arogya Sanjeevani Policy

Nowadays, it is necessary for every individual to take a health insurance plan because of the rising health risks. The health problems wash away all the savings of the individuals and they become financially weak. But a health insurance plan is a helping hand for them that will help to fight the health risks. If you are also willing to take a health plan then Go Digit Arogya Sanjeevani Policy would be the best option for you. This plan has a sum assured of up to INR 5 lacs and it starts from a minimum coverage of INR 1 Lac. You are allowed to cover your family members as well under the same plan and give them health protection. So, you must not miss the key features of this plan.

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Exclusive Features of Arogya Sanjeevani Plan

  1. Wide range of Sum Assured that has to be decided at the time of inception of the plan.
  2. Cover your family members under the same plan.
  3. Enjoy discounts on the premium by adding more members to the plan.
  4. No need for any health check-up until the age of 50 years.
  5. Get reimbursement for the AYUSH treatment as well.
  6. Enjoy Deductions as per the tax laws.

Benefits of Go Digit Arogya Sanjeevani Policy

You can see all the health expenses that are covered in this insurance plan. Make sure that you have a deep look at all of them so that you can realize the key benefits of this plan.

Treatment and ExpensesCoverage
Hospitalization Expenses· Bed-charges, nursing charges, blood tests, ICU Charges, and other consultation fees are covered.
· Room’s Rent reimbursement is 2% of the Sum Assured of up to Rs.5000.
· ICU’s Rent reimbursement is 5% of the Sum Assured of up to Rs.10000.
Pre-Hospitalization CoverAll the medical expenses done prior to 30 days of hospitalization are covered in this plan.
Post-Hospitalization CoverAll the medical expenses have done post 60 days after hospitalization are covered in this plan.
Cataract Treatment CoverTreatment for a Cataract Disease is covered in this health plan. It will be the lowest of the following:-
· 25% of the Sum Assured
· Rs.40000
DayCare TreatmentAll the Treatments done within 24 hours without being hospitalized are covered under this health insurance plan.
Dental Treatment CoverIf you go through a Dental Treatment and it is needed due to some other disease then it will be covered in this plan.
Plastic Surgery ExpenseIf you go through a Plastic Surgery and it is needed due to some other disease then it will be covered in this plan.
AYUSH TreatmentThe Company will reimburse all the expenses done for the Ayurveda, Unani, Siddha, and Homeopathy treatment.
Ambulance CoverThe ambulance expenses are covered in the Go Digit Arogya Sanjeevani Policy with a maximum of up to Rs.2000
No Claim BonusGet a No Claim Bonus of 5% of the Sum Assured every year until it reaches 50% of the Sum Assured.
Premium DiscountsGet Extra discounts on the premium by adding your family members to the insurance plan.

Treatments that are covered with 50% of the Sum Assured

  1. Uterine Artery Embolization and HIFU
  2. (High-Intensity Focused Ultrasound)
  3. Balloon Sinoplasty
  4. Deep Brain Stimulation
  5. Oral Chemotherapy
  6. mmunotherapy – Monoclonal
  7. antibody to be given as an injection
  8. Intravitreal injections
  9. Robotic Surgeries
  10. Stereotactic radio surgeries
  11. Bronchial Thermoplasty
  12. Vaporisation of Prostrate (Green
  13. Laser treatment of Holmium laser treatment)
  14. IONM – (Intra Operative Neuro
  15. Monitoring)
  16. Stem Cell Therapy

Add Family Members to this Plan

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

Eligibility Criteria of Go Digit Arogya Sanjeevani Policy

Minimum Age of Entry18 Years
Maximum Age of Entry65 Years
Minimum Age of Entry for a Dependent Child90 Days
Maximum Age of Entry for a Dependent Child25 Years
Minimum Sum AssuredRs.1 Lac
Maximum Sum AssuredRs.5 Lacs
Policy Term1 Year

Waiting Period of this Health Plan

There are two types of waiting periods and they are for 2 years and 4 years.

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

Waiting Period of 4 Years

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

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