Health insurance plans are gaining more importance in India due to high medical costs and other factors. However, it is essential to know more about them in detail before investing money. This will help to select the right one which suits the requirements of a person. IRDAI introduced a new insurance plan in April 2020 that satisfies the needs of individuals and families. Buying Arogya Sanjeevani policy enables policyholders to get coverage up to Rs.5 lakhs. It is a standard and straightforward plan that provides ways to ensure the proper protection for medical emergencies.
Features of Arogya Sanjeevani health insurance
1. Coverage for Covid-19 treatment
Covid-19 needs hospitalization depending on the symptoms and health conditions which are expensive. Arogya Sanjeevani policy offers coverage for Covid-19 treatment post 30 days after the policy’s start date. This will help a lot to manage medical costs with ease to ensure peace of mind.
2. Broad coverage for illnesses
Critical illnesses can lead to high medical expenses, and not everyone can afford them. A health insurance plan offers solutions for them by addressing the essential needs of buyers to a great extent. Arogya Sanjeevani provides coverage for critical illnesses and accidents to overcome financial troubles effectively.
3. Pre & post-hospitalization coverage
Buying the correct type of health insurance plan offers coverage for pre & post-hospitalization expenses that will help reduce mental worries. Most companies provide pre-hospitalization coverage for 30 days and post-hospitalization coverage for 60 days. However, insured persons should submit copies of documents and certificates to claim amounts easily.
4. New-age treatments
Buying Arogya Sanjeevani allows policyholders to choose new-age treatments for health disorders that will experience the best results. Some of them include chemotherapy, robotic surgery, immunotherapy, etc. They offer solutions for significant illnesses with cutting-edge technologies that will help restore the conditions significantly.
5. Ayush treatment
Some people prefer alternative treatments for illnesses when they are not satisfied with previous or current treatments. In such cases, they can choose Ayush coverage to meet the essential needs. Arogya Sanjeevani offers a range of Ayurveda, yoga, Unani, Siddha, and Homeopathy treatments at affordable prices to witness complete satisfaction.
6. Cumulative bonus
A cumulative bonus is a feature offered by a health insurance company when a policyholder doesn’t claim any amounts within a policy period. This will help increase the coverage or reduce the premium payments that save more money.
7. Ambulance charges
Ambulance services are not free, and policyholders can use this plan to get coverage during emergencies. It allows a person to spend money on ambulance services to minimize unwanted problems. The cost of ambulance service is high, and buying the insurance will help a lot overcome the same effectively.
Arogya Sanjeevani policy will pay 95% of the admissible claim with only 5% co-payment. It will help a lot to claim amounts as soon as possible. The plan provides ways to get more protection from major illnesses to witness peace of mind.
9. No upper age limit
The plan is available for policy buyers with no upper age limit that helps to get coverage for various problems. At the same time, it is wise to read the instructions carefully to help accomplish goals in the coverage process.
10. Cataract treatments
Anyone who wants to undergo cataract treatments can benefit more from the policy that saves expenses. Those willing to know more details about them can seek support from an insurance company to meet their essential needs.
11. Daycare treatments
The policy provides coverage for daycare treatments for some surgeries as per the policy terms. The range of daycare treatments allows a policyholder to reduce the stress and other problems caused by high medical costs. Besides that, it makes feasible ways to manage high medical costs to witness peace of mind.
12. Pre-existing illnesses
Some insurance companies offer coverage for pre-existing illnesses under this policy. The policy has 48 month waiting period for pre-existing diseases, and policyholders should evaluate them in detail. On the other hand, it is imperative to check the waiting period before buying the plan to help claim amounts with ease.
Where to buy the Arogya Sanjeevani plan?
Customers who want to buy the Arogya Sanjeevani plan should choose a leading market company that addresses their exact requirements. Care Health Insurance provides the policy with the latest features at affordable prices. The company offers lifelong renewability for customers to get coverage for critical illnesses and other medical treatments. It also has a grace period of 30 days to renew a policy without any difficulties. One can even order the policy online after knowing the complete details. Free consultations are available for policy buyers when they want to purchase a policy from the company. Also, they show ways to gain more ideas before buying a plan.