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Max Bupa Arogya Sanjeevani Policy
4722
VS
Mediclaim Policy
5,691
With all the haze of 'this policy is not gonna work for every medical emergency', don't get fooled again. Niva Bupa Arogya Sanjeevani health policy is an indemnity plan that is here to provide coverage for what many insurance plans couldn't offer you at an affordable premium. The plan is available as an individual and a family floater health policy with a sum insured valued at a maximum of INR 10 Lakhs which is sufficient for the primary members in your family like your spouse, children, parents, and parents-in-law.
Especially in times of an emergency, you would majorly require health insurance that covers all your medical expenses related to hospitalisation including pre & post-hospitalisation, ICU charges, and room rent with the sub-limit of INR 5,000 on a per-day basis. More than this, unlike other Arogya Sanjeevani policies, Niva Bupa covers COVID-19 treatment or any medical expenses related to AYUSH treatment or alternative therapies. You can further get coverage for specified daycare procedures with this plan.
Providing a streamlined and fundamental medical facilitation, the coverage under this plan is designed in such a way that ensures your overall safety. The Niva Bupa Arogya Sanjeevani policy is curated for your family's health interests which lines up with every section of society, as the affordability of the plan justifies it all.
Arogya Sanjeevani policy is a good purchase for those who have just begun buying a health insurance policy that comes with a co-payment clause at just a rate of 5% on every claim raised during a policy tenure. This page covers all the answers to your curiosity that may arise about the Niva Bupa Arogya Sanjeevani policy, its eligibility criteria, specific benefits, and the process for getting a claim settlement.
Read further to know more about this all-in-all policy.
| PLAN DETAILS |
Max Bupa Arogya Sanjeevani Policy |
Mediclaim Policy |
| Premium Including GST | ||
| 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) |
10000 | 3000 |
| 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 | Covered |
| Ambulance Charges (Expenses incurred on ambulance charges) |
Not 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 | 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 Covered |
| Co-pay (Mentioned %, if any is to be borne by Insured and rest will be borne by insurer) |
Covered | Covered |
| Plan Entry Age | 3 Months - 25 Years (Family plan) 18 - 65 Years (Individual plan) | 18 Year to no age limit |
| Plan Premium Entry Age and S/A | 4722 | 5,691 |
| Plan Waiting Period | 30 days | 30 |
| Plan Coverage | - | - |
| Plan Sample Premium | 4722 | 5,691 |
| 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 | Covered |
| Modern Treatment | Not Covered | Covered |
| E Consultation | Not Covered | Not Covered |
| Air Ambulance | Not Covered | Not Covered |
| Global Coverage | Not Covered | Not Covered |
| Claim Ratio | 98 | 90.73 |
| Solvency Ratio | 3.03 | 1.91 |
|
New India Health Insurance |
||
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