Health Insurance 1620 views July 8, 2020

The health insurance plans are the backbone of an individual during a medical emergency. So, it is better to plan your health risks before and take a health cover for yourself. But on the other hand, some individuals look for such a health plan in which they cover their family members as well. So, you can have a look at the Niva Bupa Arogya Sanjeevani Policy in which you can cover your family members as well. This policy is available at an affordable premium and it covers all the major expenses that occur during a health problem. Apart from this, Niva Bupa settles the health claim directly without any involvement of any third-party. So, you must go through the key features of this health insurance plan.

Health Insurance

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Key Features of Arogya Sanjeevani Policy

  1. The Maximum Policy Term of this Plan is 1 Year.
  2. This insurance will cover the pre-hospitalization and post-hospitalization expenses.
  3. A Co-Payment of 5% of the claim amount has to be paid on every claim.
  4. Earn Cumulative Bonus every year if you don’t make any claim.
  5. Fast and Cashless Reimbursement is made at the time of claim.
  6. You can save taxes under Section 80D of the Income Tax Act 1961.

Benefits of Arogya Sanjeevani Policy

There are some benefits of this health insurance plan and it will help you maintain your savings during the medical crisis. So, you must see the medical expenses that are covered under this health insurance plan.

Hospitalization Cover

If in case you are hospitalized for a treatment then all the expenses occurred will be covered in this insurance plan. Your family members will enjoy the same advantage if you have covered them under the same insurance plan.

Pre and Post Hospitalization Cover

In this insurance plan, you will also get a pre-hospitalization and post-hospitalization cover. All the expenses done prior to 30 days to hospitalization will be covered. On the other hand, the company will also cover all the expenses incurred after hospitalization for up to 60 days.

Day Care Treatment Cover

This insurance plan will also cover all the expenses done for day care treatment.

AYUSH Treatment Cover

If you are hospitalized during AYUSH treatment then all the expenses will be covered in this plan. AYUSH stands for Ayurveda, Unani, Siddha, and Homeopathy so if you are going through any of these treatments then they are all covered in the Niva Bupa Arogya Sanjeevani Policy.

Ambulance Cover

This insurance plan also covers the ambulance expenses up to Rs.2000. The ambulance cover amount will only be paid once your in-patient claim is approved.

Cover for the Cataract Treatment

The cataract treatment expenses will be also covered in this plan. The company will give you 256% of the sum assured or Rs.40000 whichever is lower for the cataract treatment. The cataract treatment needs a waiting period of 24 months if you want to make a claim.

Cover for the Modern Treatment

There are some modern treatments as follows in which the company will pay you a maximum of 50% of the Sum Assured as reimbursement.
Uterine Artery Embolization and HIFU (High-Intensity Focused Ultrasound)

  1. Balloon Sinuplasty
  2. Deep Brain Stimulation
  3. Oral Chemotherapy
  4. Immunotherapy- Monoclonal Antibody to be given as an injection
  5. Intra Vitreal Injections
  6. Robotic Surgeries
  7. Stereotactic Radio Surgeries
  8. Bronchial Thermoplasty
  9. Vaporization of the Prostate (Green Laser treatment or Holmium Laser Treatment)
  10. IONM-(Intra Operative Neuro Monitoring)
  11. Stem Cell Therapy: Hematopoietic stem cells for bone marrow transplant for hematological conditions to be covered.

No Claim Bonus

If you don’t make any claim during the policy year then the company will increase the amount of the sum assured by 5%. It will keep on increasing until it reaches 50% of the sum assured but all the policy years must be claim-free.

Free-Look Period

The company gives a free-look period of 15 days to understand the policy better. If you find the policy not interesting then you can return it within 15 days. If in case you have purchased the policy through distance marketing then you’ll get a free-look period of 30 days.

Eligibility for Niva Bupa Arogya Sanjeevani Policy

Minimum Age of Entry18 Years
Maximum Age of Entry65 Years
Minimum Age of Entry for a Dependent Child3 Months
Maximum Age of Entry for a Dependent Child25 Years
Policy Term1 Years
Tax BenefitsYes
Co-Payment5% of the Claim Amount

Exclusions of the Plan

  1. Investigation & Evaluation
  2. Rest Cure, rehabilitation and respite care
  3. Obesity/ Weight Control
  4. Change-of-Gender treatments
  5. Cosmetic or Plastic Surgery
  6. Hazardous or Adventure sports
  7. Breach of law
  8. Excluded Providers
  9. Refractive Error
  10. Unproven Treatments
  11. Sterility and Infertility
  12. Maternity Expenses
  13. Treatment for, Alcoholism, drug or substance abuse, or any addictive condition.
  14. Treatments received in health hydros, nature cure clinics, spas, or similar establishments or private beds.
  15. Any expenses incurred on Domiciliary Hospitalization and OPD treatment
  16. The treatment took outside the geographical limits of India.
  17. War (whether declared or not) and warlike occurrence or invasion, acts of foreign enemies
  18. Nuclear, chemical, or biological attack.

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