Acko Arogya Sanjeevani Health Insurance
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Claim Settlement Ratio | 74.09% |
COVID-19 Cover | Available |
Free Health Checkup | Available |
Inception | 2016 |
Network Hospitals | 5,300+ |
Renewability | Lifetime |
About Acko Arogya Sanjeevani Health Insurance
Acko Arogya Sanjeevani Policy is a standard indemnity-based health insurance plan that offers you complete protection against basic hospitalisation expenses. People aged between 18 years and 65 years can seek cover under this policy at affordable health insurance premiums. Available on an individual as well as family floater basis, the policy can cover self, legally wedded spouse, parents, and parents-in-law, and naturally or legally adopted children if they are aged between 3 months and 25 years. You can buy this policy for sum insured options between Rs. 1 lakh and Rs. 5 lakh (in multiples of Rs. 50,000), as per your requirement. The policy gives you the freedom to pay the premium on monthly, quarterly, half-yearly, or yearly instalments, as per your convenience. This makes the policy suitable for all.
Available for a policy term of 1 year, Acko Arogya Sanjeevani Policy covers you for several healthcare expenses. Some of these include cataract treatment, AYUSH treatment, road ambulance expenses, in-patient hospitalisation expenses, etc. Apart from these, the policy provides you a 5% increase in the sum insured for every year a claim is not made, for up to 50% of the sum insured. Note that a co-payment of 5% is admissible on all claims under this policy.
Read more: Arogya Sanjeevani Policy
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Key Inclusions and Exclusions of the Plan
What's Included
- Cover for all daycare treatments
- Cataract treatment subject to sub-limits
- Pre-hospitalisation and post-hospitalisation expenses for a maximum of 30 days and 60 days respectively
- Treatment taken under AYUSH systems of medicines
- Road ambulance expenses up to Rs. 2,000 per hospitalisation
What's Not Included
- Expenses related to surgical treatment related to obesity
- Expenses related to domiciliary hospitalisation
- Treatment for any injury occured due to participation in adventure sports
- Expenses related to any unproven treatment, services, or supplies
- Treatment availed outside the geographical boundaries of India
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Claim Process at Acko Health Insurance
FAQs on Arogya Sanjeevani Policy Health Insurance Plan
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Can I purchase Acko Arogya Sanjeevani Policy on a family floater basis?
Yes. You can purchase Acko Arogya Sanjeevani Policy on a family floater basis and on an individual basis as well. If purchased on a family floater basis, the sum insured will be applied to the entire family, whereas if purchased on an individual basis, then the sum insured shall be applied to each individual family member.
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Is there any limit on the expenses related to cataract treatment under Acko Arogya Sanjeevani Policy?
Cataract treatment expenses are covered under the policy for up to 25% of the sum insured or Rs.40,000, whichever is lesser, per eye, in one policy year.
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Can I include my dependent children along with myself under Acko Arogya Sanjeevani Policy?
Yes. You can include your natural or legally adopted dependent children along with yourself under this policy provided they are aged between 3 months and 25 years. Note that if the child is aged above 18 years, and is financially independent, then he or she will be ineligible for coverage in the subsequent renewals.
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Is there any waiting period for pre-existing diseases in Acko Arogya Sanjeevani Policy?
The pre-existing diseases mentioned in the policy are covered after a waiting period of 4 years.