Affordable standard health insurance plan
Sum Insured : Up To ₹ 10 Lacs
Affordable standard health insurance plan
Best suited for
Individual
Family
Multi Individual
Key Benefits
Launch Date: 01-05-2021
GET YOUR ESSENTIAL HEALTH COVERAGE WITH STANDARD HEALTH INSURANCE PLAN
Health insurance is a preferred protection solution for health risks considering rising medical costs. If you and your loved ones are yet to be covered under any health insurance plan, then it’s time to take the first step towards securing the future. Arogya Sanjeevani Policy, ManipalCigna is designed to provide much needed financial backup at times of medical emergencies. It’s simple and yet takes care of most of the hospitalisation needs that arise from illness and injury.
WHAT IS AROGYA SANJEEVANI POLICY?
Arogya Sanjeevani Policy, ManipalCigna is a health insurance plan designed by IRDAI and made available by ManipalCigna Health Insurance company. It is a standard insurance coverage to address the basic health care needs of people.
SUM INSURED (SI) UPTO Rs.10 LACS
This plan comes with choice of multiple sum insured options. Rs.50,000/1/1.5/2/2.5/3/3.5/4/4.5/5/5.5/6/6.5/7/7.5/8/8.5/9/9.5/10 Lacs
GET ALL DAY CARE TREATMENTS COVERED
Day Care Treatments refer to those treatments that are done under general or local anesthesia in a hospital or in a day care center, and take less than 24 hours. Under this plan we cover all the Day Care treatments.
CASHLESS CLAIM SETTLEMENT IN OVER 6500+ NETWORK HOSPITALS IN ALL OVER THE COUNTRY
ManipalCigna is associated with more than 6500 hospitals across the country. By availing this plan, you will be eligible to settle your claims on cashless basis across this network of hospitals
SAME PREMIUM ACROSS THE COUNTRY
For this policy, there is no zone based premium.
In-patient Hospitalization to take care of the room, ICU, nursing charges, doctor, surgeon fees, operation theatre charges and other medical expenses. Room rent covered up to 2% of SI, max of ₹ 5,000/day. ICU charges covered up to 5% of SI, max of ₹ 10,000/day.
Pre-Hospitalization to cover medical expenses incurred upto 30 days before the date of hospitalization.
Post-Hospitalization to cover medical expenses incurred upto 60 days after you are discharged from the hospital.
AYUSH Cover to take care of medical expenses up to the limit of Sum Insured towards non-allopathic treatments such as Ayurveda, Yoga & Naturopathy, Unani, Siddha & Homeopathy.
Day Care Treatment pays for medical expenses if you undergo a treatment or surgery that needs less than 24 hours of hospitalization.
Road Ambulance Cover reimburses expenses upto ₹ 2000 per hospitalisation event for ambulance services towards transportation to hospital for treatment.
Cataract Treatment pays for medical expenses upto 25% of SI OR ₹ 40,000 whichever is lower per each eye if you undergo a treatment or surgery for Cataract.
Modern Treatmentsto cover medical expenses if you undergo any of the technologically advanced treatment or surgery listed in policy terms and conditions.
Cumulative Bonus of 5% for each policy year, provided the policy is renewed without a break, subject to a maximum of 50% of the sum insured.
Co pay of 5% is applicable on all claims.
What’s covered
- Inpatient Hospitalization
- Day Care
- Pre & Post Hospitalization
- Road Ambulance
- AYUSH Treatment
- Cataract treatment
- Modern and Advanced treatments
- Dental Treatment necessitated due to illness/injury
What’s not covered
- Illness resulting from any breach of law
- Hazardous or Adventure Sports
- Contamination from Nuclear fuel or radiation
- Unproven Treatments, Drug abuse
- Foreign invasion or civil war
Above List is only indicative and not exhaustive. For complete details on Eligibility, Coverages, Benefits, Terms, Condition and Exclusions please refer Policy Wordings and Prospectus
Minimum Entry Age
18 Years (for Adults) , 91 days (for Children)
Maximum Entry Age
65 Years (for Adults) , 25 Years (for Dependent Children)
Cover Type
Individual and Family Floater
Policy Term
1 year
Relationships Covered
Individual Policy : self, spouse, dependent son & daughter, parents & parents in law.
Family Floater : self, spouse, dependent children up to the age of 25 years or parents/parents in law (a maximum of 2 adults and 3 children can be covered under a single policy)
Premium
Monthly/Quarterly/Half-yearly/Yearly payments
Renewal
Lifetime, provided the insured person is still associated with us.
Got Questions?
What are the details to be provided at the time of intimation of claim?
The following details are to be provided to the company’s at the tine of intimation of Claim: Policy number, Name of policy, Name of the insured person in whose relation the Claim is being lodged. Nature of illness / injury. Name and address of the attending Medical Practitioner and hospital. Date of Admission and any other information as requested by Us.
Arogya Sanjeevani Policy
Arogya Sanjeevani Health Insurance Policy
The Arogya Sanjeevani health insurance policy is a standard health insurance plan covering your healthcare expenses from Rs. 50,000 to 10 lakhs. The coverage includes pre and post-hospitalisation costs, ICU services, hospital room rent, and new-age treatments.
The IRDAI launched the Arogya Sanjeevani policy to simplify health insurance by offering a basic, standard plan with similar benefits. All health insurance companies offer the Arogya Sanjeevani health insurance plan.
Arogya Sanjeevani health insurance policy by ManipalCigna provides much needed financial backup in the times of a medical emergency. The Arogya Sanjeevani health insurance plan takes care of most hospitalisation needs arising from illness and injury. The service offered by ManipalCigna during the buying and claim process, our cashless network hospitals, and our policy premium differentiate ManipalCigna from other insurers.
For Yearly, half yearly and quarterly payment of mode, a fixed period of 30 days will be allowed as Grace Period and for monthly mode of payment a fixed period of 15 days will be allowed as Grace Period.The Free Look Period shall be applicable at the inception of the Policy and not on renewals or at the time of porting the policy.
The insured shall be allowed a period of 30 days from date of receipt of the Policy to review the terms and conditions of the Policy, and to return the same if not acceptable.
If the insured has not made any claim during the Free Look Period, the insured shall be entitled to a refund of the premium paid subject only to a deduction of a proportionate risk premium for the period of cover and the expenses, if any, incurred by the insurer on medical examination of the proposer and stamp duty charges
Why should you buy the Arogya Sanjeevani health insurance policy?
The onset of various health conditions is increasing amongst people in India. Healthcare expenses are also on the rise. Having a basic health insurance policy is the key to smart financial planning. So, you must buy Arogya Sanjeevani policy.
The Arogya Sanjeevani health insurance policy is one cost-effective option that covers you from both Covid and other illnesses in the long-term. It is one of the most affordable health insurance policies in the market. Under the Arogya Sanjeevani health insurance policy, you can choose the sum insured from Rs. 50,000 to 10 Lakhs.
How to Buy Arogya Sanjeevani health insurance policy?
Step 1: The product brochure, policy benefits, exclusions and premium details must be thoroughly understood and discussed with Our advisor/ Company representative, before buying the policy.
Step 2: Once the benefits of the policy are understood, the Proposal Form must be filled, wherein details of the prospective Insured Persons including medical information must be provided as accurately as possible.
Step 3: The proposal form with the required documents have to be submitted.
Step 4: If You are required to undergo medicals tests as per the chosen Sum Insured and Age, we would arrange the medical check-ups at Our network. Basis health declarations or findings of the pre policy medical tests if the terms and conditions of the policy are altered, same will be intimated to you and issuance will be subject to acceptance of the revised offer and submission of your consent premium for the revised offer
Step 5: Based on the above information we will process Your proposal for Insurance and a policy kit containing the Customer Information Sheet, Policy Terms and associated documents will be sent to you.
Upon assessment if there is any change in terms or premium is loaded then We will inform You about any revised terms through a counter offer letter. We will issue the Policy only once you accept the counter offer. Where You do not agree to the counter offer we will cancel your proposal
Who Should Buy Arogya Sanjeevani health insurance policy?
Arogya Sanjeevani health insurance policy is a must for first-time health insurance buyers. It is the most affordable health insurance policy in India with almost the same benefits across all insurers. If you are young and just beginning buying health insurance, a basic plan like the Arogya Sanjeevani health insurance policy fits you well. Your health insurance premium with this policy will suffice you well.
The Arogya Sanjeevani policy is also excellent for people looking for Covid protection providing health insurance plans. The policy is a better option for protection against Covid as it costs almost the same as Coronavirus specific health insurance plans and covers the Covid and other diseases and illnesses. Additionally, the health insurance plan comes with lifelong renewability, unlike coronavirus plans.
Also, buy Arogya Sanjeevani health insurance policy if you are looking for a basic and affordable health insurance plan. If you want to protect yourself and your family with health insurance and don’t want to spend much on premiums, opt for Arogya Sanjeevani health insurance policy, the most affordable health insurance plan in India.
FAQs about Arogya Sanjeevani policy
Q.1) What is Arogya Sanjeevani Policy?
Arogya Sanjeevani Policy is a standard health insurance product developed by IRDAI and made available by ManipalCigna Health Insurance company to take care of basic health care needs of insuring public. It takes care of your hospitalization needs due to illness, injury.
Q.2) What are the key benefits available in Arogya Sanjeevani Policy?
Following are the key benefits available under Arogya Sanjeevani Policy :
I. In-patient hospitalization
II. Pre-hospitalization
III. Post hospitalization
IV. AYUSH Cover
V. Day care treatment
VI. Ambulance cover
VII. Cataract Treatment
VIII. Cumulative Bonus
IX. Modern Treatments
Q.3) Is floater option available under Arogya Sanjeevani Policy?
Yes, there is an option of including up to 2 adults and 3 children under floater policy.
Q.4) What is the minimum and maximum entry age in Arogya Sanjeevani Policy?
Minimum entry age for Adult is 18 years and for children it is 3 months (91 days)
Maximum entry age for Adult is 65 years and for children it is 25 years (Children should be financially dependent).
Q.5) Which relationships are covered under Arogya Sanjeevani Policy?
Relationships covered are: self, legally wedded spouse, parents, parents-in-laws, dependent children.
Q.6) Is there any room rent capping under Arogya Sanjeevani Policy?
We will cover hospital accommodation expenses with limit of 2% subject to maximum of Rs. 5,000/- per day for room rent, and charges for stay in Intensive Care Unit with limit of 5% subject to maximum of Rs. 10,000/- per day.
Q.7) Does Arogya Sanjeevani Policy cover maternity expenses?
No, maternity and related expenses are not covered under this policy except ectopic pregnancy.
Q.8) Are Day care treatments covered under Arogya Sanjeevani Policy?
Yes, all Day care treatments are covered under Arogya Sanjeevani Policy.
Q.9) Is there any zonal copay in Arogya Sanjeevani Policy?
No, there will not be any zonal copay in Arogya Sanjeevani Policy.
Q.10) What is the policy term for Arogya Sanjeevani Policy?
Policy term for Arogya Sanjeevani policy will be 1 year.
Q.11) Is cashless claim settlement available under Arogya Sanjeevani Policy?
Yes, Insured can avail the cashless claim facility from over 6500+ ManipalCigna network hospitals.
Q.12) How Co-Payment will impact Arogya Sanjeevani Policy?
A fixed co-pay of 5% shall be applicable across all the ages for every claim under this policy.
Q.13) Can I claim for out-patient expenses under Arogya Sanjeevani Policy?
No, out-patient expenses are not covered under Arogya Sanjeevani Policy.
Q.14) Is there Deductible option available under Arogya Sanjeevani Policy?
Deductible option is not available with Arogya Sanjeevani Policy.
Q.15) How to buy Arogya Sanjeevani Policy?
You can call us at 1-800-10-24462, visit the nearest branch or visit ManipalCigna
website https://www.manipalcigna.com and we will help you with the purchase process
Q.16) What are the optional covers available under Arogya Sanjeevani Policy?
There is no optional cover available under Arogya Sanjeevani Policy.
Q.17) Can I port from other health insurance policy to Arogya Sanjeevani Policy?
Yes, you can port from other health insurance policy to this policy if you have been covered under an Indian retail health insurance policy, from Non-Life Insurance or Health Insurance company registered with IRDAI, without any break in the immediate previous policy and subject to satisfying all the terms and conditions related to portability guidelines.
Q.18) Can I migrate from Arogya Sanjeevani Policy to other ManipalCigna policy?
Yes, you can migrate from Arogya Sanjeevani Policy to other ManipalCigna policy subject to satisfying all the terms and conditions related to migration.
Q.19) What is the Grace Period for Arogya Sanjeevani Policy?
For Yearly, half yearly and quarterly payment of mode, a fixed period of 30 days will be allowed as Grace Period and for monthly mode of payment a fixed period of 15 days will be allowed as Grace Period