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Health Insurance 1627 views October 9, 2020
The premium of every health plan depends on the number of health risks you cover under it. If your insurance company is covering costly treatments and various health risks then the premium of such a policy would be high. But here is a plan for you known as the National Arogya Sanjeevani policy that is available at an affordable premium but it covers various types of health risks. You can take a cover of up to Rs.5 Lacs in this health insurance plan. Furthermore, you can cover the health risks of your family members as well and it will reduce the amount of your overall premium. So, you must explore this interesting plan in detail.
Table of Contents
You can explore the various health risks and illnesses that are covered in this plan. You must also explore the types of treatments whose costs will be reimbursed by the company.
If in case you are hospitalized then the expenses like bed-charges, nursing charges, blood tests, ICU Charges, and other consultation fees will be covered. You can see the amount of cover below:-
The treatment of Cataract Illness will be reimbursed by the company and the reimbursement of the cataract risk will be the lowest of the following:-
There are some treatments in which the insured has not to be hospitalized as they are received within 24 hours. So the expenses for such treatments will also be reimbursed under this insurance plan. Treatments received within 24 Hours without being hospitalized is known as the day care treatment.
The cost of Dental Treatment and Plastic Surgery will also be borne by the company if it is needed due to any other disease. All the expenses incurred in the Dental Treatment and Plastic Surgery is covered by the company.
The cost incurred for the AYUSH Treatment that is Ayurvedic Treatment is covered in National Arogya Sanjeevani Policy. AYUSH Treatment stands for Ayurveda, Unani, Siddha, and Homeopathy treatments. So, all kinds of overheads for these treatments will be reimbursed by the National Insurance Company.
A reimbursement of 50% of the Sum Assured only will be given to the insured if they are going through any treatment mentioned below:-
This insurance plan covers the cost of an Ambulance that is used to carry the insured from one place to another during a medical emergency. INR 2000 is the maximum cover allowed per hospitalization under the hospital ambulance benefits.
If you want to earn discounts on the premiums then you can add more family members to this plan. You can add the following family members to this health insurance plan.
The company will add 5% of the Sum Assured as a bonus if you don’t make any claim in a policy year. Every year you will get a bonus of 5% after the claim-free years and the company keeps on adding this bonus until it reaches 50% of the Sum Assured.
Particulars | Details |
---|---|
Minimum Age of Entry | 18 Years |
Maximum Age of Entry | 65 Years |
Minimum Age of Entry for a Dependent Child | 91 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 |
Most of the individuals think that the health risk cover starts from the next day from the date of inception of the policy. But they are not correct because there is a waiting period of 2 years and 4 years for certain illnesses and treatment. It means that you will have to wait for 2 years and 4 years if you want a cover for the mentioned treatment.
Diseases with a Waiting Period of 2 Years
Treatments that needs a Waiting Period of 4 Years