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Health Insurance 612 views September 18, 2020
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.
Table of Contents
Exclusive Features of Arogya Sanjeevani Plan
- Wide range of Sum Assured that has to be decided at the time of inception of the plan.
- Cover your family members under the same plan.
- Enjoy discounts on the premium by adding more members to the plan.
- No need for any health check-up until the age of 50 years.
- Get reimbursement for the AYUSH treatment as well.
- 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 Expenses | Coverage |
|---|---|
| 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 Cover | All the medical expenses done prior to 30 days of hospitalization are covered in this plan. |
| Post-Hospitalization Cover | All the medical expenses have done post 60 days after hospitalization are covered in this plan. |
| Cataract Treatment Cover | Treatment 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 Treatment | All the Treatments done within 24 hours without being hospitalized are covered under this health insurance plan. |
| Dental Treatment Cover | If 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 Expense | If you go through a Plastic Surgery and it is needed due to some other disease then it will be covered in this plan. |
| AYUSH Treatment | The Company will reimburse all the expenses done for the Ayurveda, Unani, Siddha, and Homeopathy treatment. |
| Ambulance Cover | The ambulance expenses are covered in the Go Digit Arogya Sanjeevani Policy with a maximum of up to Rs.2000 |
| No Claim Bonus | Get a No Claim Bonus of 5% of the Sum Assured every year until it reaches 50% of the Sum Assured. |
| Premium Discounts | Get Extra discounts on the premium by adding your family members to the insurance plan. |
Treatments that are covered with 50% of the Sum Assured
- Uterine Artery Embolization and HIFU
- (High-Intensity Focused Ultrasound)
- Balloon Sinoplasty
- Deep Brain Stimulation
- Oral Chemotherapy
- mmunotherapy – Monoclonal
- antibody to be given as an injection
- Intravitreal injections
- Robotic Surgeries
- Stereotactic radio surgeries
- Bronchial Thermoplasty
- Vaporisation of Prostrate (Green
- Laser treatment of Holmium laser treatment)
- IONM – (Intra Operative Neuro
- Monitoring)
- Stem Cell Therapy
Add Family Members to this Plan
- Spouse
- Children
- Parents
- In-laws
Eligibility Criteria of Go Digit Arogya Sanjeevani Policy
| 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 |
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
- Internal Congenital Anomalies
- Varicose Veins and Varicose Ulcers
- Calculi in the urinary system, Gall Bladder, and Bile duct, excluding malignancy
- Prolapse inter Vertebral Disc and Spinal Diseases unless arising from an accident
- Pilonidal sinus, Sinusitis, and related disorders
- Piles, Fissures and Fistula in anus
- Non-Infective Arthritis
- Hydrocele
- Hernia of all types
- Gout and Rheumatism
- Gastric/ Duodenal Ulcer
- Cataract and age-related eye ailments
- Benign prostate hypertrophy
- All internal and external benign tumors, cysts, polyps of any kind, including benign breast lumps
- Hysterectomy
- Tympanoplasty
- Mastoidectomy
- Adenoidectomy
- Benign ENT disorders
- Tonsillectomy
Waiting Period of 4 Years
- Treatment for joint replacement unless arising from an accident
- Age-related Osteoarthritis & Osteoporosis