Can you and your family get access to quality healthcare, in times of need?
Introducing Arogya Sanjeevani Policy – Aditya Birla Health Insurance, a plan that ensures you
get the best health treatment in case of medical emergency, at an affordable premium.
Cashless hospitalization in a wide network of hospitals
All daycare procedures covered
5% Cumulative Bonus that increases sum insured for eve claim free year
Pre and post hospitalization expenses covered
Secure yourself and your family’s tomorrow, today!
Today we all are aware that health emergencies are unpredictable.
So it is essential to have a health insurance plan that not only
protects you financially, but also comes with our assurance of
providing access to quality healthcare, in times of need
Key Features
Sum Insured Options
You can choose sum insured from Rs.1 lac to Rs.5 lacs as per your need.
Pre and Post Hospitalization Expenses
We will cover your medical expenses not only during your hospitalization, but also from 30 days before hospitalization and 60 days aer hospitalization.
AYUSH Treatment
Covers in-patient treatments given under Ayurveda, Unani, Siddha, Yoga & Naturopathy and Homeopathy systems.
All Daycare Treatments
We cover you for all day care treatments
Cashless Treatment
Get admitted to one of the hospitals in our network and avail cashless treatment facility.
Cumulative Bonus
5% increase in your sum insured for eve claim free year.
Product benefits
| Benefits | Details |
|---|---|
| Policy Period | 1 year |
| Sum Insured |
INR 1 Lac, 1.5 Lacs, 2 Lacs, 2.5 Lacs, 3 Lacs, 3.5 Lacs, 4 Lacs,
4.5 Lacs, 5 Lacs, 5.5 Lacs, 6 Lacs, 6.5 Lacs, 7 Lacs, 7.5 Lacs,
8 Lacs, 8.5 Lacs, 9 Lacs, 9.5 Lacs, 10 Lacs
▶ On Individual basis – Sum Insured shall apply to each individual family member ▶ On Floater basis – Sum Insured shall apply to the entire family |
| Hospitalisation Expenses | Covered if admitted for a minimum of 24 consecutive hours or above. However, time limit of 24 hours is not applicable for Day Care Treatments |
| Pre-Hospitalisation Expenses | For 30 days prior to the date of hospitalisation |
| Post-Hospitalisation Expenses | For 60 days from the date of discharge from the hospital |
| Room Rent and Nursing Expenses | Covered up to 2% of the sum insured per day – maximum of Rs. 5000 per day |
| Intensive Care Unit (ICU) / Intensive Critical Care Unit (ICCU) | Covered up to 5% of the sum insured per day – maximum of Rs. 10,000 per day |
| Cataract Treatment | Covered up to 25% of sum insured or Rs. 40,000, whichever is lower, per eye, under one policy year |
| AYUSH Treatment | Expenses incurred for in-patient treatment under Ayurveda, Yoga and Naturopathy, Unani, Siddha and Homeopathy systems of medicines shall be covered up to sum insured, during each Policy year as specified in the policy schedule |
| Cumulative Bonus | 5% increase in your sum insured for every claim free year* |
Eligibility and Exclusions
Eligibility
Policy can be availed by persons between the age of 18 years and 65 years, as Proposer. Proposer with higher age can obtain policy for family, without covering self. Policy can be availed for Self and the following family members:
- Legally wedded spouse
- Parents and Parents-in-law
- Dependent Children (i.e. natural or legally adopted) between the age 3 months to 25 years. If the child above 18 years of age is financially independent, he or she shall be ineligible for coverage in the subsequent renewals.
Exclusions
- War, act of foreign enemy, uprising, revolution, insurrection, military or usurped acts.
- Any expenses incurred on Domiciliary Hospitalization and OPD treatment.
- Treatment for, Alcoholism, drug or substance abuse or any addictive condition and consequences thereof.
- Treatments received in heath hydros, nature cure clinics, spas or similar establishments.
- Treatment taken outside the geographical limits of India.
Waiting Period and Co-Payment
- 30 Days Waiting Period: In the 1st year of the policy cover there is a 30 days waiting period for any treatment, except for claims arising due to an accidental injury. In case the insured person has continuous coverage for more than 12 months this exclusion will not apply.
-
Specific Waiting Period:
24 Months waiting period: Specific illnesses/treatments like Hernia, Piles, Cataract and age related eye ailments, Varicose veins etc.
36 months waiting period: For joint replacement treatment or Age-related Osteoarthritis & Osteoporosis. - Pre-Existing Diseases Waiting Period: 36 months.
- Co-pay: Mandatory 5% co-pay for all claims.
Disclaimer
Product Name: Arogya Sanjeevani Policy, Aditya Birla Health Insurance Co. Limited, Product UIN: ADIHLIP20170V011920. Advertisement UIN:
ABHI/LF/19-20/2704. Address: 9th Floor, Tower 1, One Indiabulls Centre, Jupiter Mills Compound, 841, Senapati Bapat Marg, Elphinstone Road,
Mumbai 400013. Email: care.healthinsurance@adityabirlacapital.com, Website: adityabirlahealthinsurance.com, Telephone: 1800 270 7000, Fax:
+91 22 6225 7700. For more details on risk factors, terms and conditions please read terms and conditions carefully before concluding a sale. Trade-
mark/Logo Aditya Birla Capital is owned by Aditya Birla Management Corporation Private Limited. These trademark/Logos are being used by Aditya
Birla Health Insurance Co. Limited under licensed user agreement