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Aditya Birla Arogya Sanjeevani Policy is an IRDAI-mandated standard health insurance plan designed to provide essential medical coverage at an affordable cost. It covers a wide range of healthcare needs, including in-patient hospitalization, pre and post-hospitalization expenses, and daycare treatments. The policy also extends coverage to AYUSH treatments, cataract surgeries, and joint replacement procedures, along with ambulance charges. Available for both individuals and families, this plan ensures comprehensive protection for basic healthcare requirements.
This page provides all details related to the Aditya Birla Arogya Sanjeevani Policy.
| PLAN DETAILS |
Aditya Birla Arogya Sanjeevani |
Aditi Health Insurance |
| 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 | 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) |
12900 | 2400 |
| 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 | Not 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) |
Covered | Not Available |
| Co-pay (Mentioned %, if any is to be borne by Insured and rest will be borne by insurer) |
Covered | Not Available |
| Plan Entry Age | Min- 3 months, Max- 65 years | 18 years |
| Plan Premium Entry Age and S/A | 5,630 | 3456 |
| Plan Waiting Period | 30 | Nil |
| Plan Coverage | In-patient hospitalization, pre and post-hospitalization expenses (up to 90/180 days), daycare treatments. | Hospitalisation expenses, ICU charges, daycare procedures, pre and post-hospitalisation, and emergency ambulance cover. |
| Plan Sample Premium | 5,630 | 3456 |
| Plan Brochure | Brochure URL | Brochure URL |
| Policy Term | 1 Year | 1 year |
| ICU Charges | Covered | Covered |
| Covid-19 Treatment | Covered | Covered |
| Cataract | Covered | Covered |
| Automatic Restoration | Not covered | Not Covered |
| Ayush Treatment | Covered | Not Covered |
| Modern Treatment | Not Covered | Not Covered |
| E Consultation | Not covered | Not Covered |
| Air Ambulance | Not covered | Not Covered |
| Global Coverage | Not covered | Not Covered |
| Claim Ratio | 96 | 100 |
| Solvency Ratio | 1.88 | 1.61 |
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