Insurance Plans 102 views October 21, 2020

Tata AIG Arogya Sanjeevani Policy

About Tata AIG Arogya Sanjeevani Policy

Tata AIG offers a lot of health insurance plan that covers various types of illnesses and medical expenses. But as you increase the coverage of the policy, the amount of premium will also increase. So, you must go for such a health plan from AIG that has an affordable premium but it gives you large medical coverage. You can take a look at the Tata AIG Arogya Sanjeevani Policy that covers various expenses related to hospitalization. On the other hand, the premium of this plan is nominal and it is easily affordable by a middle-class individual. You can choose the Sum Assured of up to Rs.5 Lacs in this health plan. So, let’s explore the key features of this policy.

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Key Features of Arogya Sanjeevani Plan by Tata AIG

  1. Multiple options are available to choose the Sum Assured between Rs.1 Lac to Rs.5 Lacs.
  2. You don’t have to go through a medical check-up until the age of 50 years.
  3. Add more members to the same plan to earn extra discounts on premiums.
    This plan covers the AYSUH Treatment as well.
  4. You are allowed to enjoy a free-look period of 15 days in this policy.
  5. Enjoy Tax Deductions as per the tax laws.

Benefits of Arogya Sanjeevani Plan

There are some outstanding benefits of this insurance plan that you must explore before buying it. You must know the risks, treatments, and medical expenses that are covered in it.

In-Patient Cover

If in case you are hospitalized then the bed-charges, nursing charges, blood tests, ICU Charges, and other consultation fees will be covered in this plan. The
coverage for the room’s rent and ICU’s rents are as follows:-

  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

Pre-hospitalization expenses prior to 30 days to hospitalization and the Post-hospitalization expenses until 60 days are also covered in this insurance plan. The company will reimburse the pre-hospitalization expenses and post-hospitalization expenses.

Cataract Expenses Cover

If you are going for the Cataract Illness treatment then it will also be reimbursed 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

The Treatments received within 24 hours without being hospitalized are known as day care treatments. So, if you receive any treatment without being hospitalized then those expenses will be reimbursed by the company.

Dental Treatment and Plastic Surgery Cover

The cost of Dental Treatment and Plastic Surgery is covered in this plan if it is needed due to any other disease. All the cost of the Dental Treatment and Plastic Surgery will be reimbursed by the company.

AYUSH Treatment

If you are going for an AYUSH Treatment then those expenses are also covered in the Tata AIG Arogya Sanjeevani Policy. The treatments included in the AYUSH Treatment are as follows:-

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

Other Diseases Coverage

The company will give you only 50% of the Sum Assured for the following treatments:-

  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

The cost of the ambulance is also covered in this plan and the maximum coverage for the ambulance expenses will be up to Rs.2000 per hospitalization.

Cover your Family

Make your premium more affordable by taking discounts on it. Adding more members under the same plan will earn you discounts on the premium. You can add the following family members to the same plan:-

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

No Claim Bonus Benefit

After every claim-free year, the company will give you a cumulative bonus and it will increase your Sum Assured. 5% of the Sum Assured will be added as the cumulative bonus to the existing Sum Assured if you don’t make any claim in a year. The amount of the sum assured will keep on increasing after every claim-free year until it reaches 50% of the Sum Assured.

Eligibility Criteria of Tata AIG 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 Policy

There is a waiting period of 24 months and 48 months for some diseases. So, you must see the diseases below that need a waiting period.

Health Problems that Needs 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 Problems that Needs a Waiting Period of 48 Months

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

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