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As per IRDAI's guidance, the Tata AIG Arogya Sanjeevani policy is an indemnity plan designed to offer a basic yet comprehensive health insurance policy that is affordable for everyone. Regardless of your societal or financial status, any individual can purchase this health insurance.
The Arogya Sanjeevani policy by Tata AIG Health Insurance covers all basic healthcare expenses, ranging from pre and post-hospitalization to daycare procedures, ambulance services, cataract treatment, AYUSH coverage, and more.
This policy is also quite affordable, allowing you to cover all your family members, including parents, parents-in-law, dependent children, and spouse, under a single policy with an affordable premium.
This page provides all aspects of the Tata AIG Arogya Sanjeevani Policy. Read on to learn more.
| PLAN DETAILS |
Tata Aig Arogya Sanjeevani Policy |
Aditya Birla Group Health Insurance |
| Product Type | Individual and Family Health Insurance | Group Health Insurance |
| Key Features (Key features of the plan) |
|
|
| OPD Details (In some policies, OPD (Out patient department) expenses are also covered.) |
Not Covered | 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 | 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) |
11000 | 12900 |
| 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) |
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 | Covered |
| Co-pay (Mentioned %, if any is to be borne by Insured and rest will be borne by insurer) |
Covered | Covered |
| Plan Entry Age | 18 - 65 Years | Day 1 to no limit |
| Plan Premium Entry Age and S/A | N/A | NA |
| Plan Waiting Period | 30 | NA |
| Plan Coverage | - | Group Health Insurance |
| Plan Sample Premium | N/A | NA |
| Plan Brochure | Brochure URL | Brochure URL |
| Policy Term | 1 Year | NA |
| ICU Charges | Covered | Covered |
| Covid-19 Treatment | Covered | Covered |
| Cataract | Covered | Covered |
| Automatic Restoration | Not Covered | Covered |
| Ayush Treatment | Covered | Covered |
| Modern Treatment | Covered | Not Covered |
| E Consultation | Not Covered | Covered |
| Air Ambulance | Not Covered | Covered |
| Global Coverage | Not Covered | Covered |
| Claim Ratio | - | 96 |
| Solvency Ratio | 1.81 | 1.88 |
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