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Health Insurance 1592 views October 12, 2020
An individual always prefers a health plan at an affordable premium rather than a high premium. But if you go for a high premium then the covers of the plan will increase. But in the Oriental Arogya Sanjeevani Policy, you will have to pay affordable premiums but you will get comprehensive coverage for many health problems. The maximum Sum Assured in this policy is of INR 5 Lacs and add more members to the same insurance policy will earn some extra discounts on the amount of premium. So, you must explore the various benefits and features of this health insurance plan and see how it will help to encounter health issues in the future.
Table of Contents
You can see all the benefits of this plan that will help secure your health risks that might arise in the future. There are many treatments that are covered in this insurance.
This policy covers all the expenses like bed-charges, blood tests, nursing charges, ICU Charges, and other consultation fees are covered if in case you are hospitalized. You can see them below:-
You are entitled to a reimbursement for the treatment of Cataract Illness and the reimbursement for the cataract risk will be the lowest of the following:-
All the expenses incurred for the treatments that are received within 24 hours without being hospitalized are covered under this insurance plan. The treatment received within a day without being hospitalized is known as the daycare treatment.
If a Dental Treatment and Plastic Surgery is needed due to any other disease then those expenses will be reimbursed as per this insurance plan. All the expenses incurred in the Dental Treatment and Plastic Surgery will be returned by the company.
AYUSH Treatment includes Ayurveda, Unani, Siddha, and Homeopathy treatments. So, these Ayurvedic Treatments are covered in this plan and all the expenses incurred for these treatments will be reimbursed by the company.
In the Oriental Arogya Sanjeevani Policy, the company will give 50% of the Sum Assured if you go through any of the treatments mentioned below:-
In this policy, the company will cover all the expenses of the Ambulance. The maximum cover for the ambulance expenses will be INR 2000 per hospitalization.
If you want to earn more discounts on the amount of premium then you must add your family members to this insurance plan. The following family members are allowed to be
added to this plan:-
The company will add a cumulative bonus of 5% of the Sum Assured to the Sum Assured every year if you don’t make any claim in the last year. This bonus will be added every year to the Sum Assured 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 |
Every policy doesn’t cover the health issues from the next day. They need a waiting period to cover health issues. So, this policy also has a waiting period of 48 months and 24 months for many health issues. The cover for the health issue will only start once the waiting period is completed.
Health Issues Having a Waiting Period of 24 Months
Health Issues Having a Waiting Period of 48 Months