Insurance Plans September 29, 2020

Kotak Arogya Sanjeevani Policy

Health Insurance Plans play a vital role to cover all the health risks and expenses. So, if you haven’t secured your family and health risks then it is high time to do so. You must take a health insurance plan for yourself and for your family members. Here is a Kotak Arogya Sanjeevani Policy that will help you to cover your health risk and of your family under the same plan. This plan has a Sum Assured of up to Rs.5 Lacs and covers various medical expenses like pre and post-hospitalization. So, you must explore all the features of this plan and see how it will help you to tackle the medical expenses.

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Salient Features of Kotak Arogya Sanjeevani Policy

  1. This plan allows you to cover your loved ones under the same plan.
  2. Pre-Medical Test is not necessary until the age of 56 years.
  3. Earn more discounts by adding more members to this plan.
  4. If you are going through AYUSH Treatment then it will also be covered.
  5. Get Tax Deductions as per the Tax Laws.
  6. Add a dependent child of just 91 days of Age to this plan.

Benefits of Kotak Arogya Sanjeevani Policy

Before buying any insurance plan you must check the benefits and the cover it is providing towards the health risks. You can see all the covers and benefits of this plan below:-

Hospitalization Cover

The following Expenses will be covered in this plan during hospitalization:-
Bed-charges

  1. Nursing Charges
  2. Blood Tests
  3. ICU Charges
  4. Consultation Fees
  5. The cover will be as follows:-
  6. Room’s Rent cover is 2% of the Sum Assured of up to Rs.5000.
  7. ICU’s Rent cover is 5% of the Sum Assured of up to Rs.10000.

Pre and Post-Hospitalization Expenses

  1. Pre-Hospitalization Expenses are covered up to 30 days.
  2. Post-Hospitalization Expenses are covered up to 60 days.

Cataract Expenses Reimbursement

The treatment of Cataract Illness is covered and the reimbursement will be the lowest of the following:-

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

Day Care Treatment Risk

Treatments received within 24 hours are known as the day care treatment and the person is not hospitalized. So, such expenses are covered in this insurance plan. You will get a reimbursement for the expenses done for the treatments received in a day.

Dental Treatment and Plastic Surgery Expenses

If the insured undergoes through a Dental Treatment and Plastic Surgery due to any other disease then those expenses will be reimbursed by the company.

AYUSH Treatment

The expenses for the AYUSH Treatments will also be reimbursed in the Kotak Arogya Sanjeevani Policy. The treatments are given below:-

  1. Ayurveda
  2. Unani
  3. Siddha
  4. Homeopathy

Other Diseases Coverage

50% of the Sum Assured will be given to the insured if the insured is going through any treatment 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

You will get an ambulance cover of up to Rs.2000 per hospitalization in this insurance plan.

Cover your Family

Add family members to the policy and cover their health risks as well. You are allowed to cover the following family members in the same plan.

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

No Claim Bonus Benefit

Enjoy No Claim bonus of 5% of the Sum Assured in this policy. If you don’t make any claim during the policy term then the company will add 5% of the Sum Assured to the main Sum Assured. The company will keep on adding 5% after every claim-free year unless the value reaches 50% of the Sum Assured.

Eligibility Criteria of Kotak Arogya Sanjeevani Policy

ParticularsDetails
Minimum Age of Entry18 Years
Maximum Age of Entry65 Years
Minimum Age of Entry for a Dependent Child90 Days
Maximum Age of Entry for a Dependent Child25 Years
Minimum Sum AssuredRs.1 Lac
Maximum Sum AssuredRs.5 Lacs
Policy Term1 Year

Waiting Period of this Health Plan

There are certain illnesses that have a waiting period of 2 years and 4 years. You can explore every illness that has a waiting period.

Waiting Period of 2 Years

  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

Waiting Period of 4 Years

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

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