Oriental Arogya Sanjeevani Policy

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.

Features of Arogya Sanjeevani Plan by Oriental Insurance

1. Free to choose the Sum Assured between the ranges of Rs.1 Lac to Rs.5 Lacs.
2. Option to cover the loved ones under the same plan.
3. The company gives you a free-look period of 15 days during which you can return the policy.
4. Pay the premiums of this policy yearly, half-yearly, quarterly, and monthly.
5. Option to renew the plan throughout your life from the same company.
6. Get Tax Deductions as per the Tax Laws.

Exclusive Benefits of Oriental Insurance Arogya Sanjeevani Plan

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.

Hospitalization Expenses Cover

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:-

1. Room’s Rent cover is 2% of the Sum Assured of up to Rs.5000.
2. ICU’s Rent cover is 5% of the Sum Assured of up to Rs.10000.

Pre and Post-Hospitalization Cover

1. Expenses done prior to 30 days to hospitalization will be reimbursed by the company
2. Post-hospitalization charges will be covered for up to 60 days in this insurance plan.

Cataract Expenses Cover

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:-

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

Day Care Treatment Cover

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.

Cover for Dental Treatment and Plastic Surgery

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

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.

Risks and Diseases Covered

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:-

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

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.

Cover your Family

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:-

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

Claim-Free Year Benefit

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.

Eligibility Criteria of Oriental Arogya Sanjeevani Policy

Waiting Period of this Health Plan

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

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

Health Issues Having a Waiting Period of 48 Months

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