Acko Arogya Sanjeevani Policy
vs
Hdfc Ergo Optima Secure Global Plan
- 100+ top health insurance plans
- Premium starting @Rs. 19/day*
- No medical check-ups required
| PLAN DETAILS |
 Acko Arogya Sanjeevani Policy |
756-1730276727.webp){kind=logo} Hdfc Ergo Optima Secure Global Plan |
| Premium Including GST | ||
| 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) |
14300 | 12000 |
| 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) |
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) |
Not Applicable | Not Covered |
| Co-pay (Mentioned %, if any is to be borne by Insured and rest will be borne by insurer) |
Applicable | Not Covered |
| Plan Entry Age | Child: 3 Months - 25 Years, Adult: 18 - 65 Years | 18 - 65 Years |
| Plan Premium Entry Age and S/A | 3099 | N/A |
| Plan Waiting Period | 30 Days | 30 |
| Plan Coverage | - | Individual/Family |
| Plan Sample Premium | 3099 | N/A |
| 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 | Covered | Not Covered |
| E Consultation | Not Covered | Covered |
| Air Ambulance | Not Covered | Covered |
| Global Coverage | Not Covered | Covered |
| Claim Ratio | 97.68 | 98.59 |
| Solvency Ratio | 4.3 | 1.7 |
You must be thinking about how a basic health insurance policy like Arogya Sanjeevani can fulfil all your health goals. But only let this thought sink in when you read this page further. Acko Arogya Sanjeevani Policy is an indemnity insurance plan that provides an allowance for your healthcare needs at an affordable charge. The Arogya Sanjeevani policy by Acko Health Insurance is suitable for an individual buyer and a family. The sum insured by this plan goes from INR 50,000 to 10 Lakhs (in multiples of INR 50,000) which is sufficient to cover the primary members of your family like your spouse, children, parents, and parents-in-law.
This insurance plan serves standardly in times of emergency, the incurred medical expenses due to hospitalisation including pre & post-hospitalisation, ICU charges, and room rent with the sub-limit of 2% of the SI subject to INR 5,000 on a per-day basis. Acko Arogya Sanjeevani policy provides support for COVID-19 treatment or any medical expenses related to AYUSH treatment or alternative therapies, specified daycare procedures, and so on.
This plan is curated to ensure the all-around health interest of the policyholders across every section of society. Additionally, the Acko Arogya Sanjeevani policy is a good choice for those who are beginners in buying health policy as it comes with a co-payment clause of 5% on every claim raised during a policy tenure.
Read further to know more about Acko Arogya Sanjeevani policy, its eligibility criteria, specific benefits, and the process for getting a claim settlement.
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