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Digit Arogya Sanjeevani is a standard health insurance policy offering sum insured options ranging between ₹3 lakhs to ₹2 crores. The plan covers individuals for pre and post-hospitalization, hospital room rent, ICU expenses, and more. Digit Arogya Sanjeevani is available as an individual or family floater plan.
Aarogya Sanjeevani was launched by IRDAI to simplify health insurance by offering a standard plan to all individuals with necessary medical care benefits included under a single plan. Digit Arogya Sanjeevani policy comes with affordable premiums and is meant for individuals between the ages of 18 to 65 years. Individuals can also cover dependent children under this plan from 3 months to 25 years.
Digit Arogya Sanjeevani includes sub-limits for hospital room expenses, cataract treatment expenses, and doctor's fees, along with a 4-year waiting period to cover pre-existing diseases. The plan includes a 5% co-pay on all claims. To know more about the plan, read the article in detail.
| PLAN DETAILS |
Digit Arogya Sanjeevani Policy |
Zuno Saral Suraksha Bima Health Insurance |
| Product Type | Individual and Family Health Insurance | Accident 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 | Not covered |
| Post-hospitalization (Expenses after discharge from the hospital) |
Covered | Not covered |
| Day Care Treatment Covered (Day care treatments refers to the treatments that do not necessarily require 24hrs of hospitalization like MRI.) |
Covered | Not covered |
| Hospital_network (Number of Hospital Network in city) |
9000 | 10000 |
| 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 | 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 | Not covered |
|
Sub Limit (Sub-limit is a monetary capping that applies on specific diseases like cataract) |
Applicable | Not applicable |
| Co-pay (Mentioned %, if any is to be borne by Insured and rest will be borne by insurer) |
Applicable | Not applicable |
| Plan Entry Age | 18 to 65 Years | 18 years to 70 years |
| Plan Premium Entry Age and S/A | 2781 | 1,600 |
| Plan Waiting Period | 30 Days | 00 |
| Plan Coverage | In-patient hospitalization, Pre & post hospitalization, ICU and room rent, Daycare treatments, Modern treatments cover | Accidental death cover, total disability cover, partial disability cover, hospitalization expenses (add-on) |
| Plan Sample Premium | 2781 | 1,600 |
| Plan Brochure | Brochure URL | Brochure URL |
| Policy Term | 1 Year | 1 year |
| ICU Charges | Covered | Covered |
| Covid-19 Treatment | Covered | Not covered |
| Cataract | Covered | Not covered |
| Automatic Restoration | Not Covered | Not covered |
| Ayush Treatment | Covered | Not covered |
| Modern Treatment | Covered | Not covered |
| E Consultation | Not Covered | Not covered |
| Air Ambulance | Not Covered | Not Covered |
| Global Coverage | Not Covered | Covered |
| Claim Ratio | 99 | 98.54 |
| Solvency Ratio | 3.85 | 1.97 |
|
Go Digit Health Insurance |
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