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You might wonder how a basic health insurance policy like Arogya Sanjeevani can fulfill all your health goals. The Acko Arogya Sanjeevani Policy is an indemnity insurance plan that provides coverage for your healthcare needs at an affordable charge. This Arogya Sanjeevani policy by Acko Health Insurance is suitable for individuals and families.
The sum insured by this plan ranges from ₹50,000 to ₹10 Lakh (in multiples of ₹50,000), which is sufficient to cover primary family members like your spouse, children, parents, and parents-in-law.
This insurance plan provides standard coverage for medical expenses incurred due to hospitalization in emergencies, including pre and post-hospitalization, ICU charges, and room rent with a sub-limit of 2% of the sum insured, subject to ₹5,000 per day. The Acko Arogya Sanjeevani policy also supports COVID-19 treatment, AYUSH treatment or alternative therapies, specified daycare procedures, and more.
This plan is curated to ensure the all-around health interests of policyholders across every section of society. Additionally, the Acko Arogya Sanjeevani policy is a good choice for those new to buying health policies, as it comes with a co-payment clause of 5% on every claim raised during a policy tenure.
Read further to know more about the Acko Arogya Sanjeevani policy, its eligibility criteria, specific benefits, and the claim settlement process.
| PLAN DETAILS |
Acko Arogya Sanjeevani Policy |
Health Edge Policy |
| 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 | 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 | Not 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 | 6000 |
| Organ Donor Expenses (Expenses incurred on organ donor in case of organ transplants) |
Not Covered | Not 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 | 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 | Covered |
| Plan Entry Age | Child: 3 Months - 25 Years, Adult: 18 - 65 Years | 18 to 65 Years |
| Plan Premium Entry Age and S/A | 3099 | 6305 |
| Plan Waiting Period | 30 Days | 30 |
| Plan Coverage | Hospitalisation expenses covered, Pre & post-hospitalisation, Daycare & AYUSH treatments | Individual/Family Floater |
| Plan Sample Premium | 3099 | 6305 |
| Plan Brochure | Brochure URL | Brochure URL |
| Policy Term | 1 Year | 1/2/3 year |
| ICU Charges | Covered | Covered |
| Covid-19 Treatment | Covered | Covered |
| Cataract | Covered | Covered |
| Automatic Restoration | Not Covered | Covered |
| Ayush Treatment | Covered | Covered |
| Modern Treatment | Covered | Covered |
| E Consultation | Not Covered | Covered |
| Air Ambulance | Not Covered | Not Covered |
| Global Coverage | Not Covered | Covered |
| Claim Ratio | 96.31 | - |
| Solvency Ratio | 2.30 | 2.03 |
|
2024 Acko Arogya Sanjeevani Policy |
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