TATA AIG's Arogya Sanjeevani Policy Benefits

Tata AIG offers a lot of health insurance plans that cover 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.

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.

Conclusion

Renewing your policy is even easier. All you have to do is sign in with your registered mobile number (or policy details), confirm your details, and make the payment. That’s it!

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