Network hospitals
12000+
Incurred claim ratio
79.04%%
Sum insured
Up to 2 Cr
No. of Plans
1
Solvency Ratio
1.7
Pan India Presence
200+
The Arogya Sanjeevani Policy from HDFC ERGO is a basic plan designed for individual or family floater coverage. It provides you with the precise medical support of health insurance including, hospitalization, pre and post-hospitalization, doctor’s consultation, AYUSH treatment, preventive health check-ups, etc.
With a sum insured of up to 10 Lakhs, the plan is sufficient for your alternate medical requirements. Also, as a policyholder, you need not worry about the hefty monthly premiums. It comes with an affordable range and seamless customer support for everyone.
Read further about the benefits and specifications of the plan in this article.
To understand HDFC ERGO Arogya Sanjeevani Policy Insurance in detail, take a look at the below table:
18 - 65 Years
Individual and Family Health Insurance
50K | 10 L
30 Days
Lifelong
1 year
*Initial Waiting Period is the time period between the issuance of the policy and the time it starts actively. During this period, a policyholder has to wait to avail of the benefits offered under a health insurance plan.
Read more specifications in the brochure.
With wide coverage options available, HDFC ERGO Arogya Sanjeevani Policy Insurance Plan allows you to choose your ideal coverage as per your family’s health requirements. Take a look at the coverage under every SI option available and choose your ideal coverage:
Room Rent
Covered
ICU Charges
Covered
Pre-Hospitalization
Covered
Post-Hospitalization
Covered
Domiciliary Hospitalization
Not Covered
Daycare Treatment
Covered
OPD Charges
Not Covered
COVID-19 Treatment
Covered
Cataract
Covered
No Claim Bonus
Covered
Automatic Restoration
Not Covered
Daily Hospital Cash
Not Covered
Organ Donor
Not Covered
Maternity Cover
Not Covered
New Born Baby Cover
Not Covered
AYUSH Treatment
Covered
IVF Treatment
Not Covered
Modern Treatment
Not Covered
Ambulance
Covered
Air Ambulance
Not Covered
Compassionate Travel
Not Covered
Global Coverage
Not Covered
E-Consultation
Not Covered
Health Check-Up
Covered
Second Medical Opinion
Not Covered
Vaccination
Not Covered
Co-payment
Covered
Sub-limits
Covered
The room rent limit is the maximum bed charge you can claim if you are hospitalised. Common Room categories covered under room rent are all kinds of rooms including single, private and AC rooms (except suite).
It is a special hospital department where patients with serious medical conditions are treated.
Medical expenses incurred before hospitalisation of the policyholder.
Medical expenses incurred after the discharge of the policyholder from the hospital.
Domiciliary hospitalization or home care treatments are the arrangements for an insured individual due to the unavailability of medical amenities in hospitals, or in a case where an insured member can not be admitted to the hospital due to an inability. The treatment should last equal to or more than 72 hours to get financial coverage.
Treatments that can be completed within 24 hours of hospitalization like blood dialysis, cataracts, etc.
Covers the cost of doctor consultations and prescribed medical tests that may not require hospitalization. .
It includes the treatment cost for COVID-19 with a confirmative diagnosis from a government-approved centre.
A common eye condition in which your vision gets blurred due to cloudy formation in your eyes.
For every claim-free year, insurance companies reward policyholders with an increase in the sum insured amount as a no-claim bonus or cumulative bonus on policy renewal. However, in the case of a claim, this bonus amount either lapses or is reduced by a certain percentage varying from one plan to the other.
It is a benefit in which an insurance company restores the amount of sum insured completely or up to a certain percentage after it gets fully exhausted in treatments. This restoration amount may vary from one plan to the other.
Daily hospital cash or Hospicash is a cash amount that you receive each day during the time of hospitalization to cover your non-medical expenses.
It is a cover that includes the cost of the procedure for removing the damaged or malfunctioning organs from the body. In most of the cases, the insurer pays for the hospitalization and transplant expenses for both the parties i.e. the donor and the receiver.
It refers to the cover that includes expenses for normal and c-section deliveries.
It takes care of the medical expenses that arise due to the hospitalisation of the newborn baby in case of any childbirth complications, medical challenges, and so on. Some of the common treatments that are covered under the newborn cover and these common treatments can vary from plan to plan:
Refers to the cost of medicines and procedures used under AYUSH (Ayurveda, Yoga & Naturopathy, Unani, Siddha, and Homeopathy) treatment.
In Vitro Fertilization (IVF) is a method of assisted reproductive technology. The common expenses incurred under IVF and infertility treatments are settled or reimbursed for:
Medical treatments that demand the use of modern technology and advanced machinery such as robotic surgeries, stem cell therapy, etc.
An ambulance is used to move the patient from home to the hospital, transfer them to another hospital, and take them for different tests outside the hospital.
Air ambulances are specially prepared planes that transfer the patient from one place to another in case of a health emergency.
Refers to the travelling expenses of a family member who’s visiting the hospital to look after the patient when the policyholder gets admitted to a hospital outside his/her residential city.
Any kind of medical/health emergency when you are outside of India is covered for hospitalization expenses, modern and specific treatments, etc.
If a policy offers e-consultation it allows policyholders to connect with a doctor for medical consultation through video chat, audio call, or chatbot.
A facility where the policyholder can avail of free health check-ups after fulfilling the company's eligibility criteria. In most cases, the insured member/s gets an annual health check-up cover.
If the policyholder wants, they may opt for a second medical opinion wherein the policyholder can consult another doctor within the company’s network of medical practitioners.
Coverage against the expenses incurred on vaccinations of either the newborn baby, for an animal bite, etc is provided by the insurance companies.
In the co-payment clause, policyholders have to pay a preset amount (either compulsorily or voluntarily) of the hospitalisation expense on their own and the insurer will pay the rest of the medical bill amount.
Sub limit is a condition in which the insurer will have to pay the medical expense up to a certain percentage and the remaining amount will have to be paid by the policyholder. For instance, if your policy covers room rent for upto 20% of the sum insured, but the expense of the same is more than 25%, you will have to pay the rest amount, i.e. 5%, for your room rent.
Below are some of the notable benefits of the Arogya Sanjeevani Policy by HDFC ERGO:-
The online policy-buying process allows you to secure the mental, physical and financial well-being of you and your family from the comfort of your couch.
This plan provides the additional benefit of getting cashless and hassle-free treatment for any dental problem and plastic surgery. The only condition here is, the injury must be caused due to a disease or an accidental mishap.
The insurer provides its customers with an easy and hassle-free policy-buying and claim procedure. The 24*7 customer support is one of the impressive features that ensures that you enjoy the maximum benefits of your policy.
All the premiums paid towards HDFC ERGO Arogya Sanjeevani Policy are eligible for tax benefits under Section 80D of the Income Tax Act.
HDFC ERGO Health Insurance
HDFC ERGO Health Insurance Network Hospitals are present in 31 states nationwide. With a wide network of hospitals, HDFC ERGO Health Insurance ensures that you are medically secured, irrespective of the city you reside in.
This policy schedule has some exclusions that are mentioned below:
Any kind of external congenital illnesses or voluntary treatments like cosmetic/beautification/plastic surgery, etc
Investigation and evaluation purposes
Obesity/weight control/liposuction
Hazardous/adventure sports/nuclear wars, defensive attacks, etc
Breach of the law, alcoholism, drug, or substance abuse cases, etc
Unproven treatments, rest care, rehabilitation, etc
Sterility and infertility, birth control, gender change treatments, etc
Hypertension, diabetes, cardiac arrests, organ transplants, donor expenses, etc
Maternity expenses like childbirth (complicated deliveries and cesarean sections, except ectopic pregnancy), miscarriage (except an accident), and lawful medical termination of pregnancy during the policy period
Certain diseases and treatments are covered under this plan after a certain period. Read the details below:
Pre-existing conditions 48 Months
Daycare procedures 24 Months
To avail of claim settlement services, the insured individual must follow the process below:-
Not having health insurance can sometimes drain all your emergency savings and even impact your financial stability. We often get skeptical about paying hefty premiums for a health insurance policy. This plan is the solution to your worries related to an affordable and specific health insurance policy. The Arogya Sanjeevani Policy of HDFC ERGO ensures you basic health support at a pocket-friendly premium. Additionally, it provides coverage for you and your family including daycare procedures and financial support against 12 listed treatment expenses.
To cater to the different medical needs of an individual & their family, HDFC ERGO Health Insurance offers several Health Plans ranging from senior citizen plans to specialized plans for autistic children, to health insurance for cardiac patients, and many more.Take a look below to HDFC ERGO Health Insurance plans explore more:
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The maximum sum insured under this plan is up to INR 10 Lakhs in the multiple of INR 50,000.
Seniors till the age of 65 years can buy this plan and the benefits of coverage work almost the same way as an adult. However, this plan is not specifically designed for senior citizens.
Yes, this plan is designed for all. Either you want an individual policy for you and your family separately. Or all the family members can be covered under the same family floater plan.
It also offers a family floater plan benefit so your spouse, parents/ in-laws/ children (3 months-25 years) or all can be covered under a separate or the same policy.
No, there is no variant of Arogya Sanjeevani’s policy of HDFC ERGO.
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Lives In: Delhi, NCR Expertise: Health & Term Insurance Simran has an experience of 4 years in content writing. She transitioned from hospitality and digital marketing to the insurance industry after her emerging interest in how vast insurance is. With her ability to write complex insurance concepts in a simple, relatable manner, she keeps her audience hooked and solves their doubts smoothly.
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