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Health Insurance 1509 views October 23, 2020
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.
Table of Contents
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.
The following expenses incurred during hospitalization will be covered in this health insurance plan:-
The expenses covered for the pre-hospitalization and post-hospitalization are as follows:-
The cataract treatment cover will be the lowest of the following:-
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.
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.
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:-
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:-
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.
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:-
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.
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 |
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
Treatments having Waiting Period of 48 Months