HDFC ERGO Arogya Sanjeevani Policy

Overview

The Arogya Sanjeevani Policy from HDFC ERGO is a basic plan designed for individual or family floater coverage. It provides essential medical support including hospitalization, pre and post-hospitalization, doctor’s consultation, AYUSH treatment, and preventive health check-ups.

With a sum insured of up to 10 Lakhs, the plan is sufficient for your medical requirements. As a policyholder, you can benefit from its affordable premiums and seamless customer support.

Read further to understand the benefits and specifications of this plan.

Benefits of Arogya Sanjeevani Policy by HDFC ERGO

Here are some notable benefits of the Arogya Sanjeevani Policy by HDFC ERGO:

Easy Policy Buying Process

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 home.

Dental Treatment & Plastic Surgery

This plan provides the additional benefit of cashless and hassle-free treatment for dental problems and plastic surgery. The only condition is that the injury must be caused due to a disease or an accidental mishap.

Good Customer Support

The insurer provides its customers with an easy and hassle-free policy-buying and claim procedure. The 24/7 customer support is an impressive feature that ensures you enjoy the maximum benefits of your policy.

Tax Benefits

All premiums paid towards HDFC ERGO Arogya Sanjeevani Policy are eligible for tax benefits under Section 80D of the Income Tax Act.

Exclusions

This policy schedule has some exclusions, which are mentioned below:

• Any kind of external congenital diseases or voluntary treatments like cosmetic/beautification/plastic surgery, etc.
• Investigation and evaluation purposes.
• Obesity/weight control/liposuction.
• Hazardous/adventure sports/nuclear wars, acts of defense, etc.
• Breach of the law, alcoholism, drug or substance abuse.
• Unproven treatments, rest cure, 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.

Waiting Periods for Certain Diseases and Treatments

Certain diseases and treatments are covered under this plan after a specific waiting period. Read the details below:

• Pre-existing conditions: 48 Months
• Daycare procedures: 24 Months

How to Claim HDFC ERGO Arogya Sanjeevani Policy?

To avail of claim settlement services, the insured individual must follow the process below:

• Visit the official website of HDFC ERGO General Insurance.
• Click on the ‘Claim’ button on the header of the official website and navigate to the claim process > Health insurance.
• For claim intimation, the official website has a pre-authorized form that you can fill in with your contact number/policy number/email and ‘Proceed’.
• Individuals can call the toll-free number 022 6234 6234 or email their details to [email protected] to get information on their claim settlement procedure.
• Reach out to PolicyX.com for further assistance.

For Reimbursement of the Arogya Sanjeevani Policy

• Get treatment at a network hospital with pre-authorization from the concerned HDFC ERGO executives.
• After receiving the authorization form, the company will verify and issue the authorized letter to the hospital.
• On the discharge day, you must verify and sign the form for the claim of your medical or non-medical expenses.
• You need to pay the medical expenses upfront and attach all necessary medical details to the claim submission form.
• Later, submit all required documents to your insurer for claiming reimbursement of your total medical bills, which will be settled upon verification.

Documents to be Submitted While Raising a Claim

• Completed claim form with the policyholder’s photographs.
• Doctor’s prescription for admission and treatment.
• All original medical bills and payment receipts.
• Discharge summary and all related details of the policyholder.
• KYC documents along with the bank’s cancelled cheque or NEFT details.
• Other documents the company asks to submit at the time of claim settlement.

Wrapping it Up

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 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.