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The Niva Bupa Arogya Sanjeevani health policy is an indemnity plan designed to provide comprehensive coverage at an affordable premium. Available as an individual or family floater health policy, it offers a maximum sum insured of INR 10 Lakh, sufficient for covering primary family members like your spouse, children, parents, and parents-in-law.
In times of emergency, this health insurance plan covers medical expenses related to hospitalisation, including pre and post-hospitalisation, ICU charges, and room rent with a sub-limit of INR 5,000 per day. Unlike some other Arogya Sanjeevani policies, Niva Bupa covers COVID-19 treatment and medical expenses related to AYUSH treatment or alternative therapies. The plan also includes coverage for specified daycare procedures.
The Niva Bupa Arogya Sanjeevani policy offers streamlined and essential medical support, ensuring overall safety for your family. Its affordability makes it suitable for various sections of society.
The Arogya Sanjeevani policy is an excellent choice for those new to health insurance, featuring a co-payment clause of just 5% on every claim raised during a policy tenure. This page provides detailed information about the Niva Bupa Arogya Sanjeevani policy, including its eligibility criteria, specific benefits, and the claim settlement process.
Read on to learn more about this comprehensive policy.
| PLAN DETAILS |
Max Bupa Arogya Sanjeevani Policy |
Manipalcigna Lifestyle Protection Accident Care Plan |
| 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) |
10000 | 15000 |
| 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) |
Not 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 | Covered |
| Co-pay (Mentioned %, if any is to be borne by Insured and rest will be borne by insurer) |
Covered | Not Covered |
| Plan Entry Age | 3 Months - 25 Years (Family plan) 18 - 65 Years (Individual plan) | Child: 5 - 25 years, Adult: 18 - 80 years |
| Plan Premium Entry Age and S/A | 4722 | 6492 |
| Plan Waiting Period | 30 days | NA |
| Plan Coverage | - | Accidental death cover, permanent total disability, temporary total disability, ambulance expenses, accidental hospitalisation |
| Plan Sample Premium | 4722 | 6492 |
| 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 | 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 | Covered |
| Claim Ratio | 94.4 | 98 |
| Solvency Ratio | 3.03 | 1.76 |
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