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Arogya Sanjeevni health insurance


A health insurance policy covers expenses that incurred due to accident or medical treatment/surgery. In order to get the benefits of the health plan, the policyholder has to go for at least 24 hours of continuous hospitalization. There are some day-care procedures (less than 24 hours) that are also covered under a health plan, but you also need to get hospitalized to avail benefits. It is suggested to go through your policy document to ascertain what is included and excluded under your policy.
Yes, it’s always advisable to buy a health insurance policy of adequate sum insured when you are young and in good health as the possibility of becoming sick in younger age is comparatively lesser so you can get a health insurance policy of adequate sum insured at best premium rate and the most important reason is- ‘peace of mind’. Having a health insurance policy, you won’t have to worry about the doctor’s fee and other medical expenses. Please note that the possibility of any mishap or accident or sickness cannot be ruled out; it can happen to anybody, anywhere, anytime. There are many reasons to opt for a health insurance policy at a young age. There are manifold advantages to it as listed below:
1. Waiting period: In most cases, health insurance policies have a waiting period of 30 days, during which you cannot make any claims even if you have a medical emergency. There is a waiting period for many ailments such as cataract, urinary tract stones, knee replacements, arthritis and so forth. There are mainly 20 ailments which have a waiting period of 24 / 48 months. Buying a health insurance policy at a young age is, therefore, a big advantage in this context, as you would exhaust the waiting period without any concerns
2. Comprehensive: If you make the wise decision of buying a health insurance policy when young, you can enjoy the benefit of comprehensive and holistic coverage. You will, therefore, enjoy greater security during employment and even after retirement.
3. Low premium: In most cases, the premium amount charged by an insurance provider depends on your current age. If you opt for a policy at a young age, you can avail of a lower premium.
4. Duration: It is important to note that ArogyaSanjeevniHealth insurance policies come with a ceiling on upper age of 65 years. If you buy a health insurance policy at a young age, you will not have to worry about age limits and thereby enjoying the benefit of health insurance for a longer duration as there is life long renewability
5. Tax benefit: Buying a health insurance policy at a young age will allow you to enjoy tax benefits for a longer period in that you can claim the premium you pay as deduction from your total income under 80D of the Income Tax Act, 1961.
6. Coverage: Taking a health insurance policy at a young age ensures that you have greater coverage for longer span of life.
7. Pre-existing conditions: Buying a health insurance policy in your late 40s will only increase your financial burden with reduced benefits. Many health insurance providers exclude many pre-existing conditions from getting covered which defeat the purpose of opting for a health insurance policy. This policy has waiting period of 48 months for pre existing diseases.
8. Bonus: Most insurance companies offer a ‘no claims Bonus’ in the absence of any claims in the preceding year of a policy term. If you buy a health insurance policy at a young age, you can avail of cumulative bonus as you will most likely renew your policy every year. As a result, the bonus accumulated increases your coverage amount which will prove to be an advantage at later stages of life when you are old and grey. No claims bonus may accumulate upto 50% of sum Insured in case of claim free years of renewal.
9. Lifelong renewal: ArogyaSanjeevni Policy has life long renewability.
10. Lower chances of rejection: When you are young, you have many productive years ahead of you and less health complications. As a result, chances of your health insurance policy getting rejected are miniscule.
11. Financial planning: Buying a health insurance policy at a young age not only gives you greater coverage but also helps you plan your finances in a better way. When you have adequate medical cover to take care of any health emergencies, you can focus on making other long-term investments.
12. Personal health insurance: In this day and age of an exponential increase in medical expenses, the importance of a health insurance policy cannot be overemphasised. The coverage provided by your employer may not suffice to cover your costs. Furthermore, you will run the risk of being uninsured at the time of any job change or loss of employment.
13. Poor health: Inactive lifestyles have led to an increase in the occurrence of many diseases related to heart and lungs claiming lives at a young age. It is a sad truth that health insurance is now no more relegated to senior citizens. The young and salaried segment of India’s population is vulnerable to a number of diseases.
ArogyaSanjeevni Health Insurance Policy is available from Age group of 18 years to 65 years. However dependent children from 91 days to 25 years could be covered under family floater policy. Even parents could be covered under family floater policy.
Insurance company has tie ups with network Hospitals in various cities and the Policy holder may take treatment on production of the Health Cards provided by the Insurance Company with valid identity proof to Hospitals/TPA, without payment on taking necessary approvals from Insurance Company Assigned TPA in advance in case of planned surgeries.
TPA is Third Party Administrators who act as intermediary for hustle free and unbiased claim settlement between the Insurance companies, Policy Holder, and Hospitals.
Network Hospitals have tie-up with TPA or directly with Health Insurance Companies. When a policy holder takes treatment at any of the network Hospitals then he can avail cashless treatment facilities depending upon the terms of the Policy and necessary approvals. What if there is no network hospital in my vicinity or if I choose to take the treatment at any other hospital of my choice which is not a network hospital: You need not worry because on submission of the admit card, discharge cards and necessary medical papers with proof of bills, prescriptions and receipt/proof of payment, your Health Insurance Company shall reimburse the expenses as per the terms of the health Insurance Policy.
Normally insurance covers provided by employers are of a lesser sum insured, which seems to be insufficient in case of any medical emergency. Most group insurance policies arranged by employers have co-payment and high deductibles in-build, due to which you may require to pay from your own pocket. There is a possibility of your leaving the job and the new employer might not offer the health cover. In such case you will have to buy a fresh health policy in which you will lose pre-existing benefits that you have accrued over the period.
Basic point of concern is obviously Premium you pay for the Policy. There are some other salient elements that should be taken into account while buying a health insurance policy.
  • Adequate cover: Policy is available in range of Minimum Rs 1 lakh and in multiple of Rs 50,000 with maximum sum Insured limit of Rs. 5 lakh
  • List of Network hospitals
  • Cashless facility
  • Deductibles
  • Waiting period for specific illnesses/condition
  • Room-rent capping is per day 2% of Sum Insured (Max Rs 5000) – For ICU 5% (Max 10,000)
  • Limit of Cataract Expenses: This policy covers Up to 25% of Sum insured or Rs.40,000/-, whichever is lower
  • This policy covers AYUSH Treatment covers hospitalisation (Ayurveda, Unnani, Siddha and Homeopathy)
  • Coverage of Modern Treatment – Advance technology as part of Day Care Treatment (This policy covers upto maximum 50% of the Sum Insured.
  • Exclusions
Yes. Premium paid are entitled for Income tax exemption under section 80-D of the Income Tax Act.
Yes. GST at rate of 18% is applicable for all financial services, including Insurance Premium.
Yes. The Health Insurance premium if paid by cheque or other mode (Except Cash) is exempted under section 80 D of Income Tax Act.
Pre-existing condition is the disease / illness that existed before you buy a Health Policy. Normally Insurance Companies do not cover the pre-existing conditions that had symptom or treated before 48 months of buying the 1st Health policy. After continuous claim free policy for 4 years these are liable to be covered.
By buying online policy there is no broker or agent and no commission to be paid by the Insurance companies so premium are obviously lesser.
Yes. As per guidelines of IRDA you can port out your existing Health Insurance Policy to another Insurance Company of your choice without losing the benefits of the existing health Insurance Policy.
You can make any number of claims but maximum overall liability for the policy period of the Insurance Company will be restricted maximum to the Sum Insured. If you have exhausted the sum Insured and if you have a separate top up or super top up policy then you can claim under that policy sum Insured
As the premium is calculated mainly taking the age of the oldest person of the family, the premium will shoot up hence not a wise decision to cover parents in your Health Insurance. Instead let your parents be covered under a separate Health Insurance Policy.
It covers all the family members under one single Health Policy with common FIXED Sum Insured which could be used individually or separately by self, spouse, children and parents, parents in law. The Maximum liability of the Insurance company is Sum Insured fixed for the whole family.
The next eldest member of the family can continue with the same policy and enjoy the benefits of continuity of the policy. During the course of my treatment can I change my Hospital? Yes. You can change the hospital for better treatment after informing your TPA who will evaluate your case as per the terms of the Policy.
  • There is incomplete information to TPA or discrepancy.
  • If the ailment or condition is not covered under the Policy
  • If the pre authorisation request is not received by TPA from Insured on time. In the above situation the Insured is required to make the payment for the treatment and subsequently put a claim for reimbursement as if the treatment is not taken at network hospital. How can I check the status of mu claim? You can contact your TPA or from the official website of TPA
Presented below are 5 express reasons to purchase your next insurance policy online or pay insurance premium online. As noted before, it is all about combining convenience with simplicity.
a) Lots of Options - Whilst the offline search for insurance policies may seem convincing enough, you aren’t actually seeing the whole picture. It’s not your fault- legwork can be daunting, and you cannot convincingly check out all the available options in a defined period of time. Thus, checking out all the available options (inclusive of the pros and cons, terms and conditions, qualification factors and peer reviews) online makes for a very sensible choice.
b) Avoid the Mind Games - When dealing with an insurance agent; you are forced to match with a fellow human being who isn’t an impartial authority with regards to what suits your condition the best. He is a salesman who is trying to sell you a product, and all the marketing tricks are in play. Thankfully, this isn’t a problem when buying insurance policy online. In light of all the information before you, an informed and accurate decision can be made instantly.
c) Buying Online is Cheaper - Insurance companies prefer it if you buy their insurance policies and/or pay your premiums online. This is because the said companies don’t have to pay the agents any hefty commissions and the commonly incurred costs pertaining to sales, documentation and other facets of the policy are saved. Thus, the costs are kept low and all the benefits reaped are passed onto the customer. It is a win-win situation for both the insurance company and the customer.
d) Discounts and Offers - To encourage people to purchase insurance policies online, insurers, in collaboration with partners, offer lucrative discounts and offers. For instance, some credit cards companies as the ones offered by Citibank and Standard Chartered Bank offer 5% cash-back to their cherished customers as and when they affect a credit card transaction. Why not use this facility to pay your insurance premium and avail a sizable profit?
e) It is Faster, Safer and Simpler - Obviously, running a rat race to find the best insurance plan versus checking out the ‘one’ online are poles apart in terms of the time, energy and patience involved. Plus, insurers ensure that when it comes to safety, financial transactions on their websites are akin to the online equivalent of Fort Knox. Plus, procedures are so simple, even a child could complete them all (not a recommended proposition though). Hence, buying the insurance policy online is totally worth it when compared to buying from the traditional sources. In this modern age of internet, fast connectivity and banking’s enhanced presence online, choosing the slower option could be considered a costly mistake

Reg. Office : B-711, Mondeal Heights, Next to Hotel Novotel, S.G. Highway, Satellite, Ahmedabad 380015 Gujarat -India
IRDAI Direct Insurance Registration No. 639 - Valid till 06th March, 2024
Contact No. +91 9727227797 ; E mail: info@arron.in
Tollfree : 1800123000044
Principal Officer : Mr. Ramesh K. Patel ; E mail : rameshpatel@arron.in

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