HDFC ERGO Arogya Sanjeevani Policy

There is a common saying that prevention is better than cure. So, you must not wait for the time when you face a medical emergency and all your savings wash away. It is better to be prepared by taking a health insurance plan and prevent your savings from turning upside down. Here is a plan for you, known as the HDFC ERGO Arogya Sanjeevani Policy in which you can get a Sum Assured of up to Rs.5 Lacs. On the other hand, there are a lot of risks and medical expenses that are covered in this insurance plan. It has an above 10000 network hospital where you can enjoy the facility of cashless settlement. Let’s explore more about this exclusive insurance plan.

Key Features of Arogya Sanjeevani Policy

1. Flexibility of choosing the Sum Assured at the time of inception of the policy.
2. You can get cashless treatment at 10000+ network hospitals.
3. This health insurance plan includes no claim bonus benefits.
4. You can cover your loved ones under the same insurance plan.
5. AYUST Treatments are also covered in this health insurance plan.
6. Dental Treatment and Plastic Surgery are covered in this policy.

Benefits of Arogya Sanjeevani Policy

There are some exclusive benefits of this policy and you must go through all of them before buying the plan. You must see the risks covered in this insurance plan.

Hospitalization Expenses

All the expenses related to the hospitalization are covered in this plan like bed-charges, nursing charges, blood tests, ICU Charges, and other consultation fees. You can see the cover below:-

1. Room’s Rent- 2% of the Sum Assured of up to Rs.5000.
2. ICU’s Rent- 5% of the Sum Assured of up to Rs.10000.

Pre-Hospitalization and Post-Hospitalization Benefits

The company will cover the expenses incurred 30 days before hospitalization. On the other hand, you will get the reimbursement of those expenses that you have paid after hospitalization until 60 days.

Cataract Cover

You will also get a Cataract Cover which means all the expenses done for the treatment of cataract will be reimbursed. The cover you will get for the cataract treatment will be the lowest of the following:-

1. 25% of the Sum Assured
2. Rs 40,000

Day Care Treatment

If in case you aren’t hospitalized and your treatment has been done within 24 hours then those expenses will also be covered in this health insurance plan. So, the treatment done in a day will also be covered in this plan.

Dental Treatment and Plastic Surgery

You will also get the cover for Dental Treatment and Plastic Surgery if in case it is necessitated due to any other disease. The company will reimburse all the expenses incurred in the Dental Treatment and Plastic Surgery.

AYUSH Treatment

If you are going through an Ayurvedic Treatment then the expenses incurred in it will be covered by the company. AYUSH stands for Ayurveda, Unani, Siddha, and Homeopathy Treatment. So, if you are going through any of the treatment then it is covered in the HDFC ERGO Arogya Sanjeevani Policy.

Other Diseases Coverage

There are some diseases and treatments that are covered in this policy and you can see them below. The company will pay you 50% of the Sum Assured if you are diagnosed with any of the following diseases:-

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 the reimbursement of the ambulance expenses as well in this health insurance plan. The maximum reimbursement capped for the Ambulance Hospitalization Expenses is up to Rs.2000.

Cover your Loved Ones

You can add your family members that are your loved ones in the same insurance plan. You can add your Spouse, Children, Parents, and in-laws in the same policy.

Cashless Settlement

There are more than 10000 Network hospitals across India where you can get the treatment through a cashless facility. The company will directly transfer the claim amount to the hospital and there is no need to visit the company to make the claim.

No Claim Bonus

If you will not make any claim during the policy term of one year then the company will increase your Sum Assured by 5%. You will get a no-claim bonus of 5% of the Sum Assured every year if you don’t make any claim until it reaches 50% of the Sum Assured. The value of the Sum Assured will increase every year and the amount of premium remains the same.

Multiple Options to Choose the Sum Assured

The company gives you the option to choose the amount of Sum Assured as per your needs. The amount of the Sum Assured starts from Rs.1 Lac and a maximum of up to Rs.5 Lacs. You can choose any amount in the multiple of INR 50000 between the ranges of Rs.1 Lac to Rs.5 Lac.

Waiting Period of HDFC ERGO Arogya Sanjeevani Policy

1. There is a waiting period of 24 months from the date of inception of the policy for the 12 illnesses mentioned above.
2. There is a waiting period of 48 months if you are having a pre-existing disease and you want to cover it.
3. The company has a mandatory 30 days waiting criteria in which from the date of inception of the policy before the diseases are covered.
4. There is no waiting period for the accidental hospitalization because the cover starts from the next day from the date of inception of the policy.

Exclusions of this Plan

1. Adventure and Sports Injuries
2. Self-Inflicted injuries
3. Damage done through Wars
4. Participation of the Insured into Defence Operations
5. Venereal and Sexually Transmitted Diseases
6. Cosmetic Surgery
7. Treatment of Obesity