An Arogya Sanjeevani Health Insurance Policy comes with the following inclusions:
• Pre & Post Hospitalization Expenses
This policy will cover all the pre and post hospitalization expenses in case of any medical emergency due to an illness or accidental injury. It also offers coverage for medical & hospitalisation expenses occurs due to Coronavirus (COVID-19).
• COVID-19 Cover
It also offers corona insurance protection and pays for any expenses incurred on hospitalization due to contracting COVID-19 or coronavirus disease.
• AYUSH Benefit
It includes hospitalization expenses incurred on obtaining alternative treatments, such as Ayurveda, homeopathy, Siddha, etc, at an approved hospital.
• ICU/ ICCU Charges
The policy pays up to 5% charges of the treatment taken in the ICU (Intensive Care Unit) or ICCU (Intensive Coronary Care Unit) of the total sum insured up to a maximum Rs. 10,000 per day.
• Room Rent
It covers the room rent of the hospital up to a maximum of Rs. 5,000 per day.
• Ambulance Services -
It covers the cost of ambulance services up to a maximum cap of Rs. 2,000 per hospitalization.
• Daycare Treatment
It covers the expenses arising out of any daycare treatment procedures.
• Plastic Surgery and Dental Treatment
The cost of any dental or plastic surgery treatment taken as a result of an illness or injury is also covered.
• Cataract Surgery
It also covers the cost of cataract surgery for each eye up to a maximum of Rs. 40,000 or 25% of the total sum insured amount, whichever is less.
• New Age/ Modern Treatment
This policy also covers the cost of modern/ new age treatment up to a maximum of 50% of the total sum insured amount.
• Balloon Sinuplasty
• Bronchial Thermoplasty
• Intraoperative Neuromonitoring (IONM)
• Intravitreal Injections
• Oral Chemotherapy
• Robotic Surgeries
• Stem Cell Therapy (Bone marrow transplant through Hematopoietic stem cells for hematological conditions)
• Stereotactic Radio Surgeries
• Uterine Artery Embolization and High Intensity Focussed Ultrasound (HIFU)
• Vaporisation of the Prostate (Green Laser/ Holmium Laser treatment)
• Diagnostic or Investigative Tests
It will not cover the expenses incurred on getting any diagnostic or investigative tests done.
• Bed Rest or Rehabilitation Expenses
It will not cover any expenses incurred due to enforced bed rest in the absence of treatment. It will also not cover any expenses arising out of rehabilitation needs.
• Weight Control/ Obesity Treatment
Any expenses arising out of the treatment taken for obesity or weight management will not be covered.
• Gender-change Treatment
- It will not cover the cost of taking any treatment for changing the gender.
• Cosmetic or Plastic Surgery
Any expenses incurred on cosmetic or plastic surgery which is not required as a result of an accident, cancer, burn injury or medically necessary treatment will not be covered.
• Maternity Expenses
It will not cover the cost of any treatment related to pregnancy and child birth.
• OPD Treatment -
It will not cover the cost of any OPD or out-patient treatment taken by the policyholder.
• Adventure/ Hazardous Sports
Under this medical insurance does not cover any medical treatment expenses arising due to participation in a hazardous or adventure sports, such as rock climbing, sky diving, para-jumping, deep-sea diving, mountaineering, etc, as a professional.
• Breach of Law
It will not cover any expenses incurred due to breaching the law with a criminal intention.
• Alcohol/ Drug addiction
Any expenses arising out of the treatment for addiction of alcohol or drug or substance abuse will not be covered.
• Dietary Supplements
It will not cover the cost of purchasing any dietary substance or supplements, such as minerals, vitamins, etc., without a prescription.
• Unproven Treatment
This policy will not cover the cost of any unproven treatment taken by the policyholder.
• Infertility and Sterility
It will not cover any expenses arising out of infertility or sterility.
• Domiciliary hospitalization
Any expenses arising out of domiciliary hospitalization will not be covered.
• Nuclear attack or War
This policy will not cover any claims arising out of a nuclear attack or a war/ war-like situation.
• Treatment outside India
It will not cover the expenses incurred on receiving any outside India.