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Health Insurance 1450 views November 2, 2020
Nowadays, with the rise in health issues, everyone prefers a health insurance plan. But due to the high premium amount many middle-class individuals are not able to afford the health plan. But there is the United India Arogya Sanjeevani Policy that is available at an affordable premium and covers various health problems. You can take a Sum Assured of up to Rs.5 Lacs in this health insurance plan. It covers various expenses related to hospitalization and the company also reimburses the expenses incurred for the AYUSH Treatment. So, you must take a look at the exclusive features of the Arogya Sanjeevani Policy and see how it will benefit you while tackling health issues.
Table of Contents
You must see the various medical expenses and illnesses that are covered in this plan. The company will reimburse those expenses and overheads that are mentioned below.
In the case of hospitalization, the bed-charges, nursing charges, blood tests, ICU Charges, and other consultation fees are covered in this plan. The room’s rent and ICU’s rents cover will be as follows:-
Pre-hospitalization expenses prior to 30 days to hospitalization are covered and the Post-hospitalization expenses until 60 days are also covered in this insurance plan.
The reimbursement for the cataract risk will be the lowest of the following:-
The Treatments received within a day without being hospitalized are known as day care treatments. So, if you go through any such treatment without being hospitalized then those expenses are covered in this plan.
The expense for the Dental Treatment and the Plastic Surgery is covered in this plan only if it is needed due to any other disease. All the expenses of the Dental Treatment and Plastic Surgery will be reimbursed by the company.
If you are going through the AYUSH Treatment then those expenses will also be reimbursed in the United India Arogya Sanjeevani Policy. The treatments included in the AYUSH Treatment are:-
The ambulance charges are also covered in this plan and the maximum coverage provided by the company for the ambulance expenses will be up to Rs.2000 per hospitalization.
Your premium will decrease if you add more members to this insurance plan. The company gives discounts on the premium if the insured adds more members to the same plan. The family members allowed are as follows:-
After every claim-free year, you are entitled to a cumulative bonus and it will increase your Sum Assured by 5%. The amount of the sum assured will increase after every claim-free year 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 | 90 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 |
Waiting Period of this Health Policy
There is a waiting period of 2 Years and 4 years for some diseases and you must explore those diseases that need a waiting period.
Health Issues that Needs a Waiting Period of 4 Years