Who Can be Covered Under Arogya Sanjeevani Policy?
No one plans to get hurt or sick but most people require medical assistance at some point or the other in their lives. Health insurance plans cover these costs and offer several other benefits to the insured. One such health insurance policy is the Aarogya Sanjeevani Policy, which protects you from unexpected, high medical expenses.
What is Arogya Sanjeevani's Policy?
Arogya Sanjeevani Policy is a standard health insurance policy that provides financial security to the insured in case of a health emergency. It is a perfect stepping and ideal choice for anyone who is buying health insurance for the first time. This is because, under this policy, he/she will be protected against a wide range of healthcare expenses. Not only does the policy provide a wide range of coverage at affordable premiums, but the terms and conditions are also standard (common policy wordings) across all health insurance companies.
The indemnity-based health insurance policy, i.e. Arogya Sanjeevani Policy, is universal for all insurance companies and offers cover to individuals and families up to a sum insured of Rs. 5 lakh. As per the Insurance Regulatory and Development Authority of India (IRDAI), all insurance companies must offer a policy with standard features.
The policy covers the insured for several benefits. These include cover for nursing, boarding, room rent expenses, pre-hospitalisation expenses, post-hospitalisation expenses, in-patient hospitalisation expenses, ambulance expenses, modern treatments, AYUSH treatments, etc.
But the question is who can buy Arogya Sanjeevani's Policy?
Anyone who is aged between 18 years and 65 years can avail of the benefits under Arogya Sanjeevani Policy. As said before, it is recommended for the people buying health insurance for the first time, to go for the Arogya Sanjeevani Policy. Note that you must be a resident of India to be able to buy the policy.
There are two types of plans that come under the Arogya Sanjeevani Policy. These are:
1. Individual Plan: If you purchase the Arogya Sanjeevani Policy on an individual basis, then there will be only one beneficiary, that is you.
2. Family Floater Plan: If the Arogya Sanjeevani Policy is purchased on a family floater basis, then the entire family can avail of benefits under this policy. The family members whom you can add under the family floater policy are a legally wedded spouse, dependent children, parents, and parents-in-law. Children aged between 3 months and 25 years can be covered under this policy.
Conclusion
The coverage benefits of the Arogya Sanjeevani Policy are universal for all insurance companies but the premium rates and customer service can differ from one insurance company to another. So, choosing the Arogya Sanjeevani Policy is a good choice but to make the right and informed decision, you must consider several factors. These include the Claim Settlement Ratio of the insurance company, after-sales services, premium rates, etc. Rest assured, the policy covers you and your family at all times.
Disclaimer: This article is issued in the general public interest and is meant for general information purposes only. Readers are advised not to rely on the article's contents as conclusive and should research further or consult an expert in this regard.
