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Arogya Sanjeevani Policy

Arogya Sanjeevani Policy

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Let's take care of your health together

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What is Arogya Sanjeevani Policy? It’s a must-have for good health!

Going to a hospital is almost always an expensive affair. From simple day care procedures to major operations, everything can take a toll on your wallet. That’s why we’re here to make things a little easier. With our Arogya Sanjeevani policy, you and your family members can get the medical care you need, whenever you need it!

Features of Arogya Sanjeevani Health Insurance

When you choose this policy, you and your family members will be covered for:

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Hospitalisation Expenses

If you're admitted to a hospital for a minimum of 24 hours, we'll help pick up the tab up to the Sum Insured. Of course, if you only need a day care procedure, we won't need you to fulfil the minimum requirement of staying in the hospital for 24 hours.
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Pre-Hospitalisation Expenses

We're here to help you cope in the 30 days leading up to the hospitalisation.
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Post-Hospitalisation Expenses

We will cover related expenses for 60 days after you’re discharged, provided your hospitalisation claim is approved.
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Daily Room rent Expenses

From room rent and boarding to nursing expenses, we'll provide up to 2% of your Sum Insured, subject to a limit of Rs 5,000/- per day. For ICU and ICCU charges, we'll pay up to 5% of your Sum Insured, subject to a limit of Rs 10,000/- per day.
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Cataract Treatments

Every policy year, we'll pay up to 25% of your sum insured or Rs 40,000 per eye, whichever amount is lower.
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AYUSH

Our policy will cover inpatient treatments for Ayurveda, Yoga and Naturopathy, Unani, Siddha and Homeopathy as well, up to the full Sum Insured.
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Pre-Existing Diseases

We'll cover pre-existing diseases that are declared in your proposal and accepted by us, after a waiting period of 36 months.

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Cumulative Bonus

For every year in which you don't make a claim, your sum Insured will be increased by 5%, up to a maximum of 50%.
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Co-Pay Clause

On every claim, there is a 5% co-pay that is compulsory. Which means, you have to pay 5% of the total expense.

Why should you buy Arogya Sanjeevani Policy ?

Arogya Sanjeevani is a simple health insurance policy that has all the necessary cover included. It helps you deal with rising medical expenses, especially in unpredictable times like the Covid-19 pandemic. It is one of the most affordable health policies, specifically proposed by IRDAI to simplify health insurance and to increase insurance penetration in India.

Arogya Sanjeevani Policy Eligibility Criteria and other important points

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Age

Entry age should be18 years and above, up to 65 years. There is no exit age.
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Family Members covered

Yourself and your legally wedded spouse, parent(s), parent(s)-in-law, dependent children (natural or legally adopted) between the ages of 3 months to 25 years.
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Policy Tenure

The policy will be issued for a period of 1 year.

What is Covered by Arogya Sanjeevani Policy?

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    Sum insured from Rs 1 lakh to Rs 10 lakhs, in multiples of Rs 50,000

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    In-patient hospitalisation expenses due to illnesses or injuries
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    Pre & Post hospitalisation expenses
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    The cost of AYUSH treatment

What is not covered by Arogya Sanjeevani?

  • Group Janata Personal Accident Insurance
    Expenses related to any admission that is mainly for diagnostics and evaluation.
  • Group Janata Personal Accident Insurance
    Procedures and medication related to obesity and weight control.
  • Group Janata Personal Accident Insurance
    Treatments/procedures for gender change.
  • Group Janata Personal Accident Insurance
    Cosmetic or plastic surgery, except when required medically to remove a direct health risk, or after an accident.
  • Group Janata Personal Accident Insurance
    The cost of care given at home or in the out-patient department.
  • Group Janata Personal Accident Insurance
    Expenses to treat injuries caused by taking part in adventure sports.

Why buy from Zuno?

Apart from making insurance simple and easy-to-understand, we are also trusted for:

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Hassle-free process

You can buy health insurance policy online without stepping out of your home.
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Affordability

Our health insurance plans offer cover at very affordable premiums.
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Cashless Network hospitals

We have over 10,000+ hospital tie-ups in our network, so there is always one close to you.

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Security Deposit

We also offer an advance up to Rs 10,000 for admission in a non-networked hospital.

We won’t play the claim game. We’ve made Arogya sanjeevani policy claims easy!

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Step 1
Call us on Toll free -1800 12000 / Paid landline - 022 423 12000 or email us at support@hizuno.com to let us know the details of your health insurance policy claim.
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Step 2
We’ll work on your claim and either transfer the money to you if you’ve already made a payment, or directly pay the hospital if you’ve gone cashless.

Common Health Insurance jargon

Family Floater Health Insurance

This plan covers the medical expenses of the entire family, for the annual premium you pay. As part of this health insurance, we pay the expenses in case of any medical emergency.

Individual Cover

Individual health insurance is a plan that offers medical cover to a person on an individual Sum Insured basis.

Cumulative Bonus

It is the bonus which we give you when you don’t make any claim in a policy year. Your Sum Insured rises by a fixed percentage.

Other points to note for Arogya Sanjeevani

Multiple Individual Policies
The 8 family members can be a combination of yourself, your spouse, dependent children, dependent parents/parents-in-law, siblings and grandparents.
Discount
Enjoy a Family Discount of 5% when 2 or more members are covered on an Individual basis.
Co-pay
5% co-pay applies on all claims.

FAQs

Is there any way I can increase my Arogya Sanjeevani Policy Cover?

Absolutely! When your policy is up for renewal, you can choose to increase your Sum Insured (in multiples of Rs 50,000), provided the total amount is not over Rs 10,00,000. If you haven't made any claims in the previous year, your Sum Insured will be increased by 5% as per the cumulative bonus you enjoy.

Is there any waiting period in the Arogya Sanjeevani Policy?

Every health insurance policy has a waiting period, during which certain claims will not be approved. The waiting period for various issues is as follows: - 30 Days - For all claims except those that arise as the result of an accident - 24 Months - For specific conditions, surgeries and treatments, including, but not limited to, benign tumours, gastric ulcers, non-infective arthritis, varicose veins and congenital anomalies - 36 Months - For all pre-existing diseases that were declared on the Proposal Form and have been accepted by us, as well as treatment for joint replacement (unless caused by an accident) and age-related osteoarthritis and osteoporosis* *To learn more about how long the waiting period is for different procedures and treatments, please have a look at the Policy Wordings.

How long is my Arogya Sanieevani Policy valid for?

Every policy is valid for only a single year. But, our hassle-free renewal process makes it easy for you to continue to renew your policy at the end of every term. As for how long we'll cover you - don't worry about it, we've got your back for life.

What happens if I lose my Arogya Sanjeevani Policy documents?

Once you make the payment, you'll get a soft copy sent straight to your e-mail. So, even if you do lose your physical copy, you'll have one waiting in your inbox, but we get that the e-mail might get deleted, too. If you need another hard or soft copy, you can get in touch with us and we’ll send one across ASAP.

Will I need to take a medical test for the Arogya Sanjeevani Policy?

In most cases, we won't need you to undergo any kind of test. But we'll take a final call depending on your age and medical history. Based on this, we’ll reach out to our Pre Policy Check-up TPA, MD India, and inform you about the same.

Who manages Arogya Sanjeevani claims through your Network Hospitals and how can I find one?

Currently our TPAs are Paramount and Medi Assist. You can find details of the TPA in your policy copy or search for list of Zuno General Insurance Network Hospitals near you, <click here>

How do I get Cashless treatment with Arogya Sanjeevani?

Whether you've booked your appointment in advance, or need to rush to the hospital in an emergency, simply contact the TPA desk at the Network Hospital and show them vour health card - or your policy copy - to get cashless treatment.