Digit Arogya Sanjeevani Plan

Overview

Digit Arogya Sanjeevani is a standard health insurance policy offering sum insured options ranging from ₹3 lakhs to ₹2 crores. The plan covers individuals for pre- and post-hospitalization, hospital room rent, ICU expenses, and more. Digit Arogya Sanjeevani is available as an individual or family floater plan.

Aarogya Sanjeevani was launched by IRDAI to simplify health insurance by offering a standard plan to all individuals with necessary medical care benefits included under a single plan. The Digit Arogya Sanjeevani policy comes with affordable premiums and is meant for individuals between 18 and 65 years of age. Individuals can also cover dependent children under this plan, from 3 months to 25 years.

Digit Arogya Sanjeevani includes sub-limits for hospital room expenses, cataract treatment expenses, and doctor's fees, along with a 4-year waiting period to cover pre-existing diseases. The plan includes a 5% co-pay on all claims. To know more about the plan, read the article in detail.

Digit Arogya Sanjeevani Plan Benefits

Digit Arogya Sanjeevani offers a plethora of benefits to customers, which are mentioned below:

• High Sum Insured Options

  On investing in the Digit Arogya Sanjeevani plan, the insured can avail the benefit of opting from a wide range of sum insured, that is, ₹3 lakhs to ₹2 crores.

• Affordable Health Insurance

  The Digit Arogya Sanjeevani Policy is an affordable health insurance policy; its premium rates are feasible, and it is known to provide a wide array of coverage.

• COVID-19 Cover

  Digit Arogya Sanjeevani's plan offers COVID-19 coverage to insurance holders, facilitating medical care facilities against the global pandemic so they do not have to purchase separate health insurance plans for the same. India was among the most impacted countries by the pandemic, and the Digit Arogya Sanjeevani Plan offers medical care facilities for it.

• New Age Treatments

  The Digit Arogya Sanjeevani Plan covers multiple modern treatments for up to 50% of the Sum Insured, such as deep brain stimulation, oral chemotherapy, and robotic surgeries.

• Tax Benefits

  Premiums paid towards Digit Arogya Sanjeevani are eligible for tax benefits under the Income Tax laws.

Inclusions

• In-patient Hospitalization Coverage
• Pre-Hospitalization Medical Expenses
• Post-Hospitalization Medical Expenses
• Day Care Treatment Cover
• ICU and ICCU Expenses
• Emergency Ambulance Services
• Cataract Treatment Coverage
• AYUSH Treatment Benefits
• Modern Treatment Coverage
• Dental and Plastic Surgery Cover

Exclusions

• Hospitalization due to war, riot, strike, or nuclear weapons
• Intentional self-injury
• AIDS
• Miscarriage and abortion
• Congenital disease
• Infertility and in vitro fertilization
• Certain diseases and treatments are covered under this plan after a specific waiting period. Read the details below:
  • Listed Ailments: 24/36 Months
  • Pre-Existing Diseases: 36 Months

Digit Arogya Sanjeevani Sample Premium

To understand how much premium one needs to pay towards the Digit Arogya Sanjeevani Policy, let us go through the example given below wherein we have illustrated the sample premiums:

For 1 Adult

For 2 Adults

For 2 Adults + 1 Child