AROGYA SANJEEVANI HEALTH INSURANCE POLICY [2020]

 AROGYA SANJEEVANI POLICY



AROGYA SANJEEVANI HEALTH INSURANCE POLICY



Arogya Sanjeevani Policy Is A Health Insurance Policy. Which Was Given By IRDA All Health Insurance Companies Were Asked To Launch On 1 April 2020? And All These Companies Were Launched From April 1, 2020.



WHO SHOULD TAKE AROGYA SANJEEVANI POLICY?



IRDA Issued A Circular On January 2, 2020, To All General Insurance Companies And Health Insurance Companies. A Standard Health Product Ordered To Be Launched Keeping In Mind The Basic Needs Of The Policyholders. This Was Done So That The Maximum Number Of People Can Be Brought Under The Purview Of Health Insurance.


According To IRDA, The Name Of This Product Will Be Arogya Sanjivani In All Companies. After That, They Can Add Their Company Name Behind And The Features And Benefits Of This Product Will Also Remain The Same In All The Companies.



Which IRDA Has Finalized. So Let's Know About The Unique Details, Features And Benefits Of This Product. So First Of All, Let's See How Much Is Given In This Minimum Amount And Maximum Sum Assured. In Arogya Sanjeevani, You Can Take A Minimum Insurance Amount Of 1 Lakh. And You Will Get The Maximum Insurance Amount Of Up To 5 Lakhs. Here The Insurance Amount From 1 Lakh To 5 Lakh Has Been Taken.


So That The Maximum Common Man Can Be Covered Inside It. Talking About Eligibility Criteria, This Standard Health Insurance Policy Can Be Taken By Anyone From 18 Years To 65 Years. It Can Also Be Taken Individually I.e. It Can Also Be Taken For A Person.
And It Can Also Be Taken For The Entire Family.


Talking About The Family, You Can Cover Your Life Partner In It. Cover Your Dependent Parents Or In-laws And Can Cover Their Dependent Children Between 3 Months To 25 Years. So Parents And In-laws Can Get Coverage Here. This Is Its Best Point Because In Most Of The Policy You Are Not Able To Cover Your Parents With You. Talking About The Policy Period, The Policy Period Will Get You 1 Year In This Policy. And Every Year You Have To Renew It.


Once You Take The Policy, The Company Will Have To Renew The Policy For A Lifetime. Talking About Premium Payment Mode, Here Is Also The First Time In Health Insurance To Give Relief To The Policyholder. Premium Payments Like Monthly, Quarterly, Half-yearly And Yearly Have Been Changed. There Is Only One Reason To Offer The Premium Payment Mode Of This Method.


That More And More People Should Take This Policy And Be Covered Within The Scope Of Health Insurance. Now Talking About The Coverage Features And Benefits Of This Policy, All The Health Insurance Policies Like Here Cover Hospital Expenses.


Similarly, The Hospitalization Expenses Will Be Covered Under This Policy When There Is Hospitalization. In This Product, You Will Get Room Rent Of 2% Of The Sum Assured, Which Will Be Up To A Maximum Of 5000. The Limit For Icu Will Be 5% Off The Sum Insured And You Can Keep A Room Of Up To 10000 Rupees. Pre And Post Hospitalization Ie Before And After Admission To The Hospital You, Will, Get Pre-hospitalization Expenses Up To 30 Days In Advance.


The Cost Of Post-hospitalization Will Is Up To 60 Days. So The Expenses Up To 30 Days Before The Admission And Up To 60 Days After The Discharge Will Be Covered Under This Policy. You, Will, Get 5% On The Cumulative Bonus Ie No Claim Bonus. If You Do Not Clam, Then Your Insurance Amount Will Increase By 5% And Which Will Be Up To 50%.


Talking About The Ambulance Cover, Here The Ambulance Cover Of Up To Two Thousand Rupees Has Also Been Given To You In This Product. All Types Of Daycare Procedures Which Are Daycare Treatments Are Also Covered Under This Policy. Hospitalization In Ayush Treatment Ayurvedic Registered Hospital Is Also Covered Within This Product. Talking About Co-payment And Sub-limit, 5% Will Be Paid On All Clams In Arogya Sanjivani. That Is, The Policyholder Will Have To Pay 5% Off Whatever It Costs. And Cataract Is Also The Sub-limit In This Product.


Here You Will Get 25% Off The Sum Assured Or 40000 Which Will Be Less In Both Of You In Cataract. Apart From This, There Is No Other Limit Here. So These Were All The Benefits Of This Policy, To Keep Its Premium Low, Payment Has Been Kept In It. And The Insurance Amount Has Also Been Given From 1 To 5 Lakhs.


On The Premium Here, On Every Sum Assured Of One Lakh, The Person Will Get About 1000 To 1500. Which Is Dependent On The Age Of The Person And The Insurance Company. Here The IRDA Has Approved The Insurance Companies To Keep The Premiums Separately According To The Service Of Their Company.


The Option Of Paying In Instalments Of This Product Is Quite Attractive For People. This Will Not Only Be A Facilitator For The Pocket Of People, But They Will Also Be Able To Take More Cover From It. And Due To Its Cover Being The Same By All Insurance Companies, It Will Also Be Easy For Customers To Understand.


Now Whether You Should Take This Policy Or Not, If You Do Not Have Any Health Insurance Policy Yet So To Start With, This Insurance Policy Is The Right Choice. Here You Can Get Good Health Insurance At A Lower Premium And You Can Get It In Instalments Also. You Can Also Avail This In Monthly, Quarterly, Half-monthly Or Annual Premium Paying Mode.


So For Those Who Do Not Have Health Insurance, It Is Definitely A Good Product And They Should Definitely Take This Product. Considering The Expenses Of Today's Hospital, The Insurance Cover Of 5 Lakhs Is Not Enough. But To Start With, You Can Also Take Less Insurance From This Product And If You Do Not Have A Health Insurance Policy So Choose This Product And Cover Yourself And Your Family With Health Insurance.










AKASH TIMES

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