In a world where health uncertainties can strike anyone at any time, having a reliable health insurance policy by your side is not just a matter of luxury but rather a necessity! In this blog, we at Chola MS Health Insurance explain to you why the Arogya Sanjeevani Policy stands out as an ideal choice that safeguards your health and financial well-being among the variety of other options available.
The Arogya Sanjeevani Policy is a standardised health insurance plan introduced by IRDAI during the outbreak of the COVID-19 global pandemic. It was launched on April 1, 2020, to make insurance more easier, affordable, and accessible.
Is this plan something you should consider?
Get ready to explore with us the different benefits of Arogya Sanjeevani Health Insurance to help you decide if you should consider it for your health.
● AFFORDABILITY
One of the most interesting aspects of the Arogya Sanjeevani Policy is its affordability. Are you afraid of choosing quality healthcare fearing it might burn a hole in your pocket? This is why you need the Arogya Sanjeevani Policy! Contrary to popular belief, the Arogya Sanjeevani Policy strives to make quality healthcare accessible to everyone, across various economic backgrounds. It makes sure one doesn’t compromise on their health needs just because of financial constraints.
● COMPREHENSIVE COVERAGE
The Arogya Sanjeevani Policy has extensive coverage and is designed to cover a wide range of medical expenses including hospitalisation, daycare procedures, ambulance charges, etc. Additionally, it also provides coverage for room rent, ICU charges, and even covers for advanced treatments like complex surgeries in some cases. This policy ensures that you can access the care you need without worrying about the financial aspect. It offers peace of mind, allowing you to focus on your health and recovery without any added stress about expenses.
● AGE CRITERIA
Any person aged between 18 and 65 years is eligible to avail Arogya Sanjeevani Policy. Under the Family floater plan, spouse and dependent children between the age of 3 months and 25 years can be included however, financially independent children above 18 years of age cannot be covered under the Family policy and should opt for an individual plan.
While people above 65 are not eligible to buy a new policy, they have the option to renew their existing policy for a lifetime, subject to the insurer’s terms and conditions. This means that even senior citizens can enjoy the benefits of this policy without worrying about age-related restrictions. This inclusivity makes it a preferred choice for families looking for comprehensive health coverage across different age groups.
● PORTING AND RENEWABILITY
Another significant advantage of the Arogya Sanjeevani Policy is its effortless porting and renewability features. It allows policyholders to have the flexibility to switch between insurers without losing out on their accumulated benefits, thanks to the IRDAI’s portability guidelines. Additionally, the policy can be renewed lifelong, ensuring continuous coverage even when individuals age or experience changes in their health status. These portability and renewability features make the Arogya Sanjeevani Policy, one of the most reliable and long-term investments for one’s health and well-being.
● FLEXIBILITY AND CUSTOMISATION
While Arogya Sanjeevani Health Insurance offers standardised coverage, it also allows for flexibility and customisation in terms of payment to suit individual needs and preferences. Which means that policyholders have the option to pay the premium for your Arogya Sanjeevani Policy annually, semi-annually, quarterly, or monthly, providing you with the flexibility to manage your financial commitments more effectively.
HIGHLIGHTS OF AROGYA SANJEEVANI POLICY
- Coverage from Rs. 50,000 up to Rs. 5 Lakhs.
- Offers both Individual and family floater options.
- Covers in-patient hospitalisation, ICU fees, and room charges.
- Ambulance cover included.
- Pre-hospitalisation expenses are covered for 30 days.
- Post-hospitalisation expenses are covered for 60 days.
- Coverage for Contemporary Medical Procedures.
- Lfe-long renewability
- Coverage for cataract treatment.
- AYUSH treatment coverage.
- Only requires a 5% co-payment on each claim.
- Get cashless treatment facilities in more than 9500 hospitals.
- Tax exemption.
CONCLUSION
The Arogya Sanjeevani Health Insurance is an excellent option for individuals and families seeking comprehensive health coverage at an affordable price. With its wide-ranging benefits that cater to various needs, this policy offers a perfect blend of reliability and convenience. Health uncertainties and medical emergencies can happen anytime and that is why Arogya Sanjeevani Policy is here to back you up! With the Arogya Sanjeevani Policy at your side, you can definitely feel peaceful and need not worry about your physical as well as financial well-being.
We at Chola MS health insurance hope you now have all the information you need to understand the benefits of the Arogya Sanjeevani Policy.
Make the smart choice today and prioritise your health.