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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.
| PLAN DETAILS |
Arogya Sanjeevani Policy |
Star Top Up Plan |
| Product Type | Individual and Family Health Insurance | Top Up and Super Top Up |
| Key Features (Key features of the plan) |
|
|
| OPD Details (In some policies, OPD (Out patient department) expenses are also covered.) |
Not Covered | - |
|
Room Rent (A limit of room rent cover during hospitalization if any) |
Covered | - |
| Domicillary Hospitalization (It is the expenses incurred on treatment of the patient at home) |
Not Covered | - |
| Pre-hospitalization (Expenses before the insured is hospitalized) |
Covered | - |
| Post-hospitalization (Expenses after discharge from the hospital) |
Covered | - |
| Day Care Treatment Covered (Day care treatments refers to the treatments that do not necessarily require 24hrs of hospitalization like MRI.) |
Covered | - |
| Hospital_network (Number of Hospital Network in city) |
3200 | 14000 |
| Organ Donor Expenses (Expenses incurred on organ donor in case of organ transplants) |
Not Covered | - |
|
Hospital Daily Allowance (Some plans offer daily allowance to take care of expenses like food, etc) |
Not Covered | - |
| Ambulance Charges (Expenses incurred on ambulance charges) |
Covered | - |
|
Maternity Benefits (All Hospitalization cost covered at the time of pregnancy.) |
Not Covered | - |
| New Born Baby Covered (Newborn babies can be covered under the insurance plan after a certain period) |
Not Covered | - |
| Health Checkup (An added benefit of one time full health checkup of policy holder.) |
Not Covered | - |
|
Sub Limit (Sub-limit is a monetary capping that applies on specific diseases like cataract) |
Not Covered | - |
| Co-pay (Mentioned %, if any is to be borne by Insured and rest will be borne by insurer) |
Covered | - |
| Plan Entry Age | Entry Age: 18 - 65 Years, Dependent children: 3 months to 25 years | Minimum: 91 Days to Maximum: 65 Years |
| Plan Premium Entry Age and S/A | 8000 | - |
| Plan Waiting Period | 30 | 30 |
| Plan Coverage | In-patient hospitalization, AYUSH treatment cover, Cataract treatment, Modern treatment procedures | - |
| Plan Sample Premium | NA | - |
| Plan Brochure | Brochure URL | Brochure URL |
| Policy Term | 1, 2. 3 years | 1/2/3 Years |
| ICU Charges | Covered | - |
| Covid-19 Treatment | Covered | - |
| Cataract | Covered | - |
| Automatic Restoration | Not Covered | - |
| Ayush Treatment | Covered | - |
| Modern Treatment | Covered | - |
| E Consultation | Not Covered | - |
| Air Ambulance | Not Covered | - |
| Global Coverage | Not Covered | - |
| Claim Ratio | 91.31 | 99.06 |
| Solvency Ratio | -0.67 | 2.21 |
|
National Health Insurance Star Health Insurance Plan Detailed Review |
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