Health Insurance 1392 views October 7, 2020

Liberty Arogya Sanjeevani Policy

Health problems are a major concern for many individuals these days and it is really necessary to take care of it. Buying a perfect health insurance plan would be the best option to cover all the health risks and maintain a stable financial position during medical emergencies. So, if you are willing to buy a health insurance plan then you can take a look at the Liberty Arogya Sanjeevani Policy. This plan is available at an affordable rate of premium and you can choose a Sum Assured of up to Rs.5 lacs. On the other hand, you can give health protection to your family members by adding them to the same plan. Let’s explore the key features of this plan.

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Arogya Sanjeevani Plan by Liberty Health Insurance

  1. Free to choose the amount of the Sum Assured at the time of inception of the policy.
  2. You can add your loved ones to this plan.
  3. There is a free look period of 15 days in this health insurance plan.
  4. Flexibility of paying the premiums on a monthly, quarterly, and half-yearly basis.
  5. You can renew this policy lifelong.
  6. Enjoy Tax Deductions under Section 80D of the Income Tax Act.

Benefits of Liberty Insurance Arogya Sanjeevani Plan

You can see the various health risks and their treatments that are covered in this health insurance plan. You can easily buy this health plan online without visiting your nearest branch.

Hospitalization Expenses Reimbursement

Expenses like bed-charges, nursing charges, blood tests, ICU Charges, and other consultation fees are covered if in case you are hospitalized. You can see them 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.

AYUSH Treatment

All the expenses related to the AYUSH Treatment that is Ayurvedic Treatment are covered in this plan. AYUSH Treatment is divided into Ayurveda, Unani, Siddha, and Homeopathy treatments. So, all the expenses incurred for these treatments will be reimbursed by the company.

Day Care Treatment Cover

Treatments that are done within 24 hours without being hospitalized then expenses for such treatments will also be reimbursed under this insurance plan. This kind of treatment received within a day without being hospitalized is known as the day care treatment.

Pre and Post-Hospitalization Cover

All Expenses before 30 days to hospitalization will be reimbursed by the company and the Post-hospitalization charges until 60 days are also covered in this insurance plan.

Cataract Expenses Cover

If you are going for the treatment of Cataract Illness then those expenses will also be reimbursed. The reimbursement cataract risk will be the lowest of the following:-

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

No Claim Bonus Benefit

If you pass a claim-free year then you are entitled to receive a cumulative bonus and your Sum Assured will be increased in the next year. There will be an addition of 5% of the Sum Assured into the existing Sum Assured if you pass a claim-free year. The amount of the sum assured will keep on increasing after every claim-free year until it reaches 50% of the Sum Assured.

Risks and Diseases Covered

You will get a cover of 50% of the Sum Assured in the Liberty Arogya Sanjeevani Policy if you are going through any treatment mentioned below:-

  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

The ambulance expenses are also covered in this health insurance plan. The maximum coverage for the ambulance expenses will be Rs.2000 per hospitalization.

Cover for Dental Treatment and Plastic Surgery

If the insured is going through a Dental Treatment and Plastic Surgery and it is needed due to any other disease then those expenses will be covered by the company under this plan. All the expenses incurred in the Dental Treatment and Plastic Surgery will be reimbursed by the company.

Cover your Family

You can cover your loved ones as well in this plan and it will help you to earn more discounts on the amount of premiums.

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

Eligibility Criteria of Liberty Arogya Sanjeevani Policy

Minimum Age of Entry18 Years
Maximum Age of Entry65 Years
Minimum Age of Entry for a Dependent Child91 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 is the two-time span of the waiting periods in this plan and they are for 24 months and 48 months respectively. So you can explore the various diseases that need a waiting period of 24 months and 48 months.

Waiting Period of 24 Months

  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 48 Months

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

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