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Magma HDI Arogya Sanjeevani Health Insurance

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Magma HDI Health Insurance
Arogya Sanjeevani Policy
Cashless Approval TATWithin 2 hours
Claim Settlement Ratio90.00%
Network Hospitals7,800+
Special BenefitsModern treatments such as IVF, Psychiatric covered

About Magma HDI Arogya Sanjeevani Health Insurance

Arogya Sanjeevani Policy is a new indemnity-based medical insurance product introduced by Magma HDI General Insurance for individuals and families. Under the policy, you can claim for hospitalisation expenses arising due to sickness, illness, disease, or accident. You are eligible to be the Proposer of this policy if you are aged between 18 years and 65 years. The good news is that the policy allows you to cover dependent children also if they are aged between 3 months and 25 years. Other family members who can be added under Magma HDI Arogya Sanjeevani Policy are legally-wedded spouse, dependent parents, and dependent parents-in-law. You can opt for sum insured options ranging between Rs. 1 Lakh to Rs. 5 Lakh (in multiples of Rs. 50,000) depending on your current health and other requirements. The policy comes for a term of one year, after which the policyholders need to renew it every year. There is a minimum co-payment of 5% for every admissible claim under this policy.

Available at an affordable health insurance premium, the Magma HDI Arogya Sanjeevani Policy covers the policyholders for several benefits. Cumulative bonus between 5%-50%, cover for modern treatments, cover for road ambulance expenses, portability benefit, free look period, grace period, cover for cataract treatment up to a specific limit, are a few to name. You can pay premiums for this policy in monthly, quarterly, half-yearly, and yearly installments.

Read more: Arogya Sanjeevani Policy

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Key Inclusions and Exclusions of the Plan

What's Included

  • Expenses incurred on all day care procedures
  • In-patient care expenses for AYUSH treatments
  • 30 days pre and 60 days post-hospitalisation expenses
  • Expenses incurred on cataract treatment up to a specific limit
  • Expenses related to plastic surgery if necessitated due to disease or injury
  • Expenses related to dental treatment if necessitated due to disease or injury

What's Not Included

  • Expenses related to OPD treatment
  • Expenses related to domiciliary treatment
  • Maternity expenses except ectopy pregnancy
  • Treatment availed outside the geographical boundaries of India
  • Surgical treatment of obesity that does not fulfil specific conditions
  • Expenses related to surgical treatment of obesity for listed conditions

7734 Magma HDI Cashless Network Hospitals in India

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Arogya Sanjeevani Policy User Reviews

4.6
Rating based on
181 User reviews
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What users are saying
  • All
  • Best Company To Get Coverage

    If you are looking for a health insurance plan to secure you and your family, then I will suggest buying from InsuranceDekho. I bought the Magma HDI- Arogya Sanjeevani Policy from them a few months back. And, I do not regret my decision at any time. To date, their customer support executives resolve my queries with whole dedication. Applause to the team! 

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    A
    By Anshul Kumar
    On: Jul 17, 2023
  • Instant Security

    I bought the Magma HDI- Arogya Sanjeevani Policy from InsuranceDekho as it was offering the maximum coverage including OPD, and wellness benefits. Besides all this, It was easy for me to customize the plan as per my requirements. I appreciate the efforts of the company in helping me buy the best plan without punching a clock. Impressed and would recommend it to everyone! 

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    N
    By Niranjana Balasubrmanyam
    On: Jun 28, 2023
  • Great services offered by Insu...

    As happy as I am with my Magma HDI Arogya Sanjeevani Policy, equally happy I am with the services offered by Insurance Dekho. The team helped me understand the features of the plan which I was not able to understand in the first place. I had some doubts as well which they solved over call.   

    Read More

    S
    By Sahil Wadhwa
    On: Jun 17, 2020
  • No paperwork

    I purchased Arogya Sanjeevani Policy of Magma HDI from InsuranceDekho and I must say that their team is the best. This is the first time I purchased health insurance from them and the process was smooth as butter. No paperwork, lesser time, and more transparent process. I liked it!  

    Read More

    R
    By Renu Munjal
    On: Jun 16, 2020
  • Easy digital process

    Earlier I used to rely on insurance agents for my health insurance related needs. But it was the first time that I chose an online platform InsuranceDekho to buy health insurance online. I found this to be more easy as it involved lesser paperwork. All my doubts were cleared on the phone too.   

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    B
    By Balram Choudhary
    On: Jun 15, 2020
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Magma HDI Arogya Sanjeevani Policy Brochure

  • 687.80 KB
  • PDF Document
  • Jun 17, 2020
Download PDF

Claim Process at Magma HDI Health Insurance

  • Network Hospital
  • Non-Network Hospital
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation as soon as it occurs and for planned hospitalisation intimate as soon as it occurs prior to admission.
  • 3

    Claim Processing

    Fill in the pre-authorisation form and hand it over to hospital's insurance/TPA desk to initiate claim request.
  • 4

    Claim Settlement

    Once your request is approved, claim is settled. If not approved, claim for reimbursement after discharge.
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation as soon as it occurs and for planned hospitalisation intimate as soon as it occurs prior to admission.
  • 3

    Claim Processing

    Submit claim form with original documents such as doctor’s reports, hospital bills, diagnostic tests, etc.
  • 4

    Claim Settlement

    Once your request for reimbursement of expenses is approved, the claim will be settled.

FAQs on Arogya Sanjeevani Policy Health Insurance Plan

  • Who all can be covered under Magma HDI Arogya Sanjeevani policy?

    You can purchase this policy for self, legally wedded spouse, dependent children, parents, and parents in-law. Dependent children can be added only if they are aged between 3 months and 25 years. If the child is aged above 18 years, and is independent, then he/she cannot be covered under the policy in subsequent renewals. 

  • Can I buy Magma HDI Arogya Sanjeevani Policy on an individual sum insured basis?

    Yes. You can purchase this policy on either individual or floater sum insured basis. On an individual basis, the sum insured will be applied to each individual family member. Whereas on floater basis, the sum insured will be applied to the entire family. 

  • Is there any grace period provided under Magma HDI Arogya Sanjeevani Policy?

    Yes. The policy provides a grace period of 30 days for yearly payment mode. Whereas, for all the other modes, a grace period of 15 days is provided to the policyholders. 

  • Does the policy cover AYUSH treatments?

    Yes. The policy covers expenses incurred on Ayurveda, Yoga and Naturopathy, Unani, Sidha, and Homeopathy systems of medicines for up to the sum insured limit.  

  • Can I avail cashless treatment under Magma HDI Arogya Sanjeevani Policy?

    Yes. You can avail the facility of cashless treatment in network hospitals under this policy. You can also avail the facility of reimbursement if required. 

  • What are the sum insured options available under Magma HDI Arogya Sanjeevani Policy?

    You can purchase this policy for sum insured options ranging between Rs. 1 lakh to Rs. 5 lakh in multiples of Rs. 50,000.

  • Will I get a cumulative bonus under Magma HDI Arogya Sanjeevani Policy?

    Yes. The policyholders get a cumulative bonus of 5% for every year a claim is not made. This is subject to a maximum of 50% of the sum insured. Note that the bonus will reduce at the same rate in case you file for a claim.  

  • What is the initial waiting period under Magma HDI Arogya Sanjeevani Policy?

    To be able to enjoy benefits under this policy, the policyholders are required to complete a waiting period of 30 days from the date of inception of the policy. 

  • What is the policy term for Magma HDI Arogya Sanjeevani Policy?

    Magma HDI Arogya Sanjeevani Policy is available for a policy term of 1 year. The policy needs to be renewed thereafter. 

  • What is the free look period under Magma HDI Arogya Sanjeevani Policy?

    For Magma HDI Arogya Sanjeevani Policy, the free look period offered is of 15 days. The days are counted from the date of receipt of the policy.

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