National Arogya Sanjeevani Policy

Overview

National Arogya Sanjeevani Policy is a standard indemnity health insurance product from National Health Insurance Company, with a Sum Insured up to 10 Lakhs. It is available in both individual and floater types, covering spouse, dependent legitimate or legally adopted children, parents, parents-in-law, and newborns from 3 months of age. National Arogya Sanjeevani Policy provides coverage up to the age of 65 years. The policy includes expenses for Day Care Treatment or In-Patient Care billed to the policyholder due to an illness or injury during the policy period. It also covers Pre-Hospitalisation (30 days) & Post-Hospitalisation (60 days) expenses along with Ambulance Charges. Read below to understand the benefits of this plan in detail.

National Arogya Sanjeevani Policy Benefits

• Tax Benefits

  The premium paid for this plan is eligible for tax relief under Section 80D of the Income Tax Act, 1961.

• Discounts

  Policyholders can avail a 10% discount if the new policy is issued or renewed through the Customer Portal.

• Installment Benefit

  Premiums for the policy can be paid in monthly, quarterly, half-yearly, or yearly installments.

Exclusions

National Arogya Sanjeevani Policy has certain limitations and exclusions. These include:

• Surgery/procedures for weight control.
• Cosmetic/plastic surgery unless required after an accident, burns, or cancer.
• Adventure sports.
• Maternity cover.
• Infertility and in vitro fertilization.

Waiting Periods

Certain diseases and treatments are covered under this plan after a specific time period:

• Listed ailments after 24 months.
• Pre-existing diseases after 48 months.