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Don't be misled by the notion that 'this policy won't work for every medical emergency.' The Niva Bupa Arogya Sanjeevani health policy is an indemnity plan that provides coverage many insurance plans couldn't offer at an affordable premium. Available as an individual and a family floater health policy, it offers a sum insured up to INR 10 Lakhs, covering primary family members like your spouse, children, parents, and parents-in-law.
In emergencies, you need health insurance that covers medical expenses related to hospitalisation, including pre & post-hospitalisation, ICU charges, and room rent with a sub-limit of INR 5,000 per day. Unlike other Arogya Sanjeevani policies, Niva Bupa covers COVID-19 treatment and medical expenses related to AYUSH treatment or alternative therapies. It also covers specified daycare procedures.
This plan ensures your overall safety with streamlined medical facilitation. The Niva Bupa Arogya Sanjeevani policy is designed for your family's health interests, aligning with every section of society due to its affordability.
The Arogya Sanjeevani policy is ideal for those new to health insurance, featuring a co-payment clause at a rate of 5% on every claim during the policy tenure. This page answers your questions about the Niva Bupa Arogya Sanjeevani policy, its eligibility criteria, specific benefits, and the claim settlement process.
Read further to learn more about this comprehensive policy.
| PLAN DETAILS |
Max Bupa Arogya Sanjeevani Policy |
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Hdfc Ergo Optima Secure Global Plan |
| Product Type | Individual and Family Health Insurance | Individual and Family Health Insurance |
| Key Features (Key features of the plan) |
|
|
| OPD Details (In some policies, OPD (Out patient department) expenses are also covered.) |
Not Covered | Not Covered |
|
Room Rent (A limit of room rent cover during hospitalization if any) |
Covered | Covered |
| Domicillary Hospitalization (It is the expenses incurred on treatment of the patient at home) |
Not Covered | Covered |
| Pre-hospitalization (Expenses before the insured is hospitalized) |
Covered | Covered |
| Post-hospitalization (Expenses after discharge from the hospital) |
Covered | Covered |
| Day Care Treatment Covered (Day care treatments refers to the treatments that do not necessarily require 24hrs of hospitalization like MRI.) |
Covered | Covered |
| Hospital_network (Number of Hospital Network in city) |
10000 | 15000 |
| Organ Donor Expenses (Expenses incurred on organ donor in case of organ transplants) |
Not Covered | Covered |
|
Hospital Daily Allowance (Some plans offer daily allowance to take care of expenses like food, etc) |
Not Covered | Covered |
| Ambulance Charges (Expenses incurred on ambulance charges) |
Not Covered | Covered |
|
Maternity Benefits (All Hospitalization cost covered at the time of pregnancy.) |
Not Covered | Not Covered |
| New Born Baby Covered (Newborn babies can be covered under the insurance plan after a certain period) |
Not Covered | Not Covered |
| Health Checkup (An added benefit of one time full health checkup of policy holder.) |
Not Covered | Covered |
|
Sub Limit (Sub-limit is a monetary capping that applies on specific diseases like cataract) |
Covered | Not Covered |
| Co-pay (Mentioned %, if any is to be borne by Insured and rest will be borne by insurer) |
Covered | Not Covered |
| Plan Entry Age | 3 Months - 25 Years (Family plan) 18 - 65 Years (Individual plan) | 18 - 65 Years |
| Plan Premium Entry Age and S/A | 4722 | 13,080 |
| Plan Waiting Period | 30 days | 30 |
| Plan Coverage | - | Cancer and major illness cover, cardiac and surgery cover, lump sum payout benefit, pregnancy complications cover |
| Plan Sample Premium | 4722 | 13,080 |
| Plan Brochure | Brochure URL | Brochure URL |
| Policy Term | 1 year | 1,2,3 Years |
| ICU Charges | Covered | Covered |
| Covid-19 Treatment | Covered | Covered |
| Cataract | Covered | Not Covered |
| Automatic Restoration | Not Covered | Covered |
| Ayush Treatment | Covered | Covered |
| Modern Treatment | Not Covered | Not Covered |
| E Consultation | Not Covered | Covered |
| Air Ambulance | Not Covered | Covered |
| Global Coverage | Not Covered | Covered |
| Claim Ratio | 98 | 95.30 |
| Solvency Ratio | 3.03 | 2.00 |
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