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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 |
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) |
11000 | 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) |
Covered | Not applicable |
| Co-pay (Mentioned %, if any is to be borne by Insured and rest will be borne by insurer) |
Covered | Not applicable |
| Plan Entry Age | 18 - 65 Years | 18 years to 70 years |
| Plan Premium Entry Age and S/A | N/A | 1,600 |
| Plan Waiting Period | 30 | 00 |
| Plan Coverage | - | Accidental death cover, total disability cover, partial disability cover, hospitalization expenses (add-on) |
| Plan Sample Premium | N/A | 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 | - | 98.54 |
| Solvency Ratio | 1.81 | 1.97 |
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