New India Arogya Sanjeevani Policy

Most individuals don’t prefer a health plan with a high premium. But they are unaware of the fact that the higher the premium of the plan, the higher would be the coverage of it. So, don’t worry because you can take a health plan with an affordable premium and cover various health risks. New India Arogya Sanjeevani Policy is one of the best health insurance plans that cover various types of health risks at an affordable premium. This plan is available at a Sum Assured of up to Rs.5 Lacs. If you are 18 years old then you can easily take this plan. But first, you must explore all the key features of this policy to understand it better.

Features of Arogya Sanjeevani Plan by New India

1. There are various options of the Sum Assured are available in this plan starting from INR 1 Lac.
2. This plan is available at an affordable premium.
3. Cost of the AYUSH Treatment is covered in this plan.
4. This plan can be renewed lifelong.
5. Extra discounts are available on the premium if you add more members to this plan.
6. You are allowed to add your family member under the same plan.
7. This plan covers the cost of pre-hospitalization and post-hospitalization.
8. Enjoy Tax Deductions while computing your income under section 80D.

Benefits of Arogya Sanjeevani Plan

Before you buy any plan, you must go through the risks that are covered under it. See the medical expenses and the treatments that are covered in this plan.

Hospitalization Cover

The following expenses incurred during hospitalization will be covered in this health insurance plan:-

1. Bed-charges
2. Nursing Charges
3. Blood Tests
4. ICU Charges
5. Consultation fees
6. Room’s Rent Cover (2% of the Sum Assured of up to Rs.5000).
7. ICU’s Rent Cover (5% of the Sum Assured of up to Rs.10000).

Cost of Pre and Post-Hospitalization

The expenses covered for the pre-hospitalization and post-hospitalization are as follows:-

1. The Expenses prior to 30 days to hospitalization are covered.
2. Post-hospitalization expenses until 60 days are covered.

Cataract Treatment Expenses

The cataract treatment cover will be the lowest of the following:-

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

Day Care Treatment Expenses

There are some treatments in which you will not have to be hospitalized as they are received within 24 hours. So the expenses for such treatments are covered in this insurance plan. Treatments received in a day without being hospitalized is known as the day care treatment.

Cost of Dental Treatment and Plastic Surgery

The cost of Dental Treatment and Plastic Surgery are covered in this plan if they are needed due to any other disease. All the expenses incurred for such treatments will be reimbursed by the company.

AYUSH Treatment Cover

If you are going through the Ayurvedic treatments then it will be also covered in this plan. The AYUSH Treatments that are covered in this plan are as follows:-

1. Ayurveda Treatment
2. Unani Treatment
3. Siddha Treatment
4. Homeopathy Treatment

Other Treatments Cover

A reimbursement of 50% of the Sum Assured will be made in the New India Arogya Sanjeevani Policy if the insured is 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 cost of the ambulance will also be reimbursed in this plan and it will be a maximum of Rs.2000 per hospitalization. So, you can carry the patient from one place to another through the ambulance.

Add Your Family Members

You will get a rebate on the premium by adding more members to the same plan and the members allowed to be added are as follows:-

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

Cumulative Bonus

The company will give you 5% of the Sum Assured as a bonus if pass a claim-free policy year. After every claim-free year, you will get a bonus of 5% and the company keeps on adding this bonus until it reaches 50% of the Sum Assured.

Eligibility Criteria of New India Arogya Sanjeevani Policy

Waiting Period of this Health Policy

There are some diseases that have a waiting period of 24 months and 48 months. So, you can go through all of them below:-

Diseases having a 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

Treatments having Waiting Period of 48 Months

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