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Tata AIG Arogya Sanjeevani Health Insurance

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Tata AIG Health Insurance
Arogya Sanjeevani Policy
Claim SettlementDedicated Team
Claim Settlement Ratio76.04%
COVID-19 CoverYes
Network Hospitals 3,000+
Policies Sold2,20,583
RenewabilityLifelong

About Tata AIG Arogya Sanjeevani Health Insurance

Arogya Sanjeevani Policy offered by Tata AIG General Insurance is a new standard plan framed by the Insurance Regulatory and Development Authority of India (IRDAI). It is an indemnity-based plan where the Tata AIG General Insurance provides cashless treatment or reimburses the actual amount incurred as expenses during hospitalisation. You can buy this medical insurance policy on an individual basis as well as on a family floater basis. In the case of the family floater, the policy covers you, your spouse, dependent children, parents, and parents-in-law under a single sum insured. Anyone aged between 18 years and 65 years is eligible for coverage. Beyond 65 years, only renewal features will be available.

Tata AIG Arogya Sanjeevani Policy also provides coverage for children (3 months to 18 years). However, either or both parents need to be covered concurrently. The policy covers children covered till the age of 25 years if they are financially dependent. The sum insured options under the policy start from Rs. 1 Lakh to go up to Rs. 5 Lakh. Available for a period of 1 year with lifetime renewability, the policy covers pre and post hospitalisation, AYUSH treatment, cataract surgery, in-patient hospitalization, daycare treatment, road ambulance.

Read more: Arogya Sanjeevani Policy

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Key Inclusions and Exclusions of the Plan

What's Included

  • Expense coverage for 30 days pre and 60 days post hospitalization
  • Medical expenses incurred for in-patient care treatment under AYUSH
  • Cataract surgery up to a limit of 25% of the sum insured or Rs. 40,000, whichever is lower
  • Expenses incurred road ambulance, a maximum of Rs. 2000 per hospitalisation
  • Coverage for all day care treatment procedures under the policy is available
  • Plastic surgery and dental treatment necessitated due to an injury or disease

What's Not Included

  • Any medical costs for OPD treatment and domiciliary hospitalization
  • No cover for expenses related to miscarriage or unlawful pregnancy termination
  • Medical expenses arising out of drugs, alcoholism, or substance abuse
  • Expenses for hospitalisation or treatment outside India is not covered
  • Treatment expenses for a weight management program or obesity
  • Medical expenses due to chemical reaction, nuclear or biological attack or weapons

4975 Tata AIG Cashless Network Hospitals in India

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Arogya Sanjeevani Policy User Reviews

4.7
Rating based on
316 User reviews
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What users are saying
  • All
  • Customised suggestions

    I received personalised suggestions easily on my WhatsApp when I contacted the InsuranceDekho website for a suitable health insurance plan for my family and me. They gave me great suggestions and made the decision easy for me. I purchased TATA AIG Arogya Sanjeevani policy after talking to them. 

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    J
    By Jamini Manna
    On: Nov 03, 2020
  • Beneficial plan for families

    I bought this Arogya Sanjeevani Policy for my family from InsuranceDekho platform on the recommendation of their customer support staff. But now I am amazed to see the coverage and advantages of this plan. It is a highly beneficial policy for families.

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    T
    By Tushar Jain
    On: Jun 18, 2020
  • Highly recommended policy

    The ‘Get Instant Quote’ section of the InsuranceDekho helped me find this Arogya Sanjeevani Plan. Besides the standard offerings, it offers me tax benefits, lifetime coverage, treatment at cashless facilities, etc. It is a perfect policy.

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    V
    By Varun Khare
    On: Jun 16, 2020
  • Brilliant customer support

    The customer support executive of InsuranceDekho advised me to buy this health insurance plan after listening to my requirements. I am surprisingly happy to see that this plan has got everything I wanted in a plan. Thanks to InsuranceDekho for the excellent suggestion.

    Read More

    G
    By Gaurav
    On: Jun 14, 2020
  • Top-notch insurance policy

    This Arogya Sanjeevani Policy has got everything a family needs. It offers me a sum insured option up to Rs. 5 lakh, lifelong renewability, coverage for parents and parents-in-law along with wife and children, cover for daycare, dental treatment, and cataract surgery, etc.

    Read More

    U
    By Usha Mishra
    On: Jun 12, 2020
View All Arogya Sanjeevani Policy Reviews

Tata AIG Arogya Sanjeevani Policy Brochure

  • 966.38 KB
  • PDF Document
  • May 08, 2020
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Claim Process at Tata AIG 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 within 24 hours and for planned hospitalisation intimate within 48 hours 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 within 24 hours and for planned hospitalisation intimate within 48 hours 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

  • Is there any sub-limit applicable under Arogya Sanjeevani Policy, Tata AIG?

    Yes. A sub-limit of 2% of the sum insured subject to a maximum of Rs. 5000/- per day is applicable for room rent, boarding, nursing expenses under Arogya Sanjeevani Policy of Tata AIG Insurance Company. Besides, 5% subject to a maximum of Rs. 10,000/- per day is also applicable on ICU/ICCU. For details, click here.

  • Does Arogya Sanjeevani Policy, Tata AIG cover cataract surgery?

    Yes. Arogya Sanjeevani Policy, Tata AIG covers cataract surgery, up to 25% of the sum insured or Rs. 40,000, whichever is lower per eye under one policy year.

  • Is there any co-payment clause under the Arogya Sanjeevani Policy, Tata AIG??

    Yes. The policy is subject to a co-payment of 5% on the claim amount for every claim.

  • What are the options for AYUSH Treatment under Arogya Sanjeevani Policy offered by Tata AIG General Insurance Company?

    The insurance company will indemnify the expenses incurred for the treatment under Ayurveda, Yoga and Naturopathy, Unani, Siddha and Homeopathy (AYUSH) for every policy year sum insured limit.

  • What sum insured options does the insurer have?

    Tata AIG under Arogya Sanjeevani Policy offers different sum insured options, including Rs. 1 Lakh, 1.5 Lakh, 2 Lakh, 2.5 Lakh, 3 Lakh, 3.5 Lakh, 4 Lakh, 4.5 Lakh, 5 Lakh.

  • Can I enjoy tax benefit under Arogya Sanjeevani Policy, Tata AIG?

    Yes. You can enjoy tax saving benefits under Section 80D of the Income Tax Act.

  • What is modern treatment under the Arogya Sanjeevani Policy, Tata AIG?

    The Arogya Sanjeevani Policy, Tata AIG provides coverage for modern treatment up to 50% of the Sum Insured. The list of modern treatment procedures includes:

    1. Uterine Artery Embolization & High Intensity Focused Ultrasound (HIFU)

    2. Balloon Sinuplasty

    3. Deep Brain Stimulation

    4. Oral Chemotherapy

    5. Immunotherapy- Monoclonal Antibody to be given as injection

    6. Intra vitreal Injections

    7. Robotic Surgeries

    8. Stereotactic Radio Surgeries

    9. Bronchial Thermoplasty

    10. Vaporisation of the Prostate (Green laser treatment or holmium laser treatment)

    11. Intra Operative Neuro Monitoring (IONM)

    12. Stem Cell Therapy: Hematopoietic stem cells for bone marrow transplant for haematological conditions to be covered only

  • Is the cumulative bonus benefit available under the Arogya Sanjeevani Policy offered by Tata AIG General Insurance Company?

    Yes. You can enjoy 5% of the sum insured as the cumulative bonus in every claim-free year, which is subject to a maximum of 50% of the sum insured under the current policy year. However, you need to renew the policy with the company without a break. For details, call us at 7551196989.

  • Is the portability feature available under the plan?

    Yes. You can switch the insurer at the time of policy renewal in case you are not satisfied with the service.

  • What is not covered under Arogya Sanjeevani Policy offered by Tata AIG General Insurance Company?

    It is important to note that Arogya Sanjeevani Policy of Tata AIG comes with a waiting period of 48 months. After this period, the policy will cover pre-existing diseases. However, there are some permanent exclusions as well. To know them, click here.

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