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The Arogya Sanjeevani Policy by ManipalCigna is a standardized health insurance plan designed by the IRDAI to provide affordable and straightforward healthcare coverage. It ensures financial protection for essential medical expenses with a simple and uniform structure across insurers.
Key Features of Arogya Sanjeevani Policy
1. Sum Insured Options: Coverage ranges from ₹50,000 to ₹10 lakhs.
2. Hospitalization Cover:
Covers room rent, ICU charges, doctor’s fees, and medical expenses during hospitalization.
Room rent limit: ₹5,000 per day; ICU rent limit: ₹10,000 per day.
3. Pre and Post-Hospitalization: Expenses incurred 30 days before and 60 days after hospitalization are covered.
4. Daycare Procedures: Covers treatments that do not require 24-hour hospitalization, like cataract surgery and chemotherapy.
5. AYUSH Treatment: Covers Ayurveda, Yoga, Naturopathy, Unani, Siddha, and Homeopathy treatments.
6. Cataract Surgery Limit: Up to 25% of the sum insured or ₹40,000 per eye, whichever is lower.
7. No Sub-Limits for Major Treatments: Covers surgeries like heart operations, organ transplants, and more without sub-limits.
8. Co-Payment: 5% co-pay applicable for every claim.
9. Policy Tenure: Available for 1 year, with renewable options.
10. Tax Benefits: Premiums are eligible for tax deductions under Section 80D of the Income Tax Act.
Eligibility
Entry Age:
Adults: 18 to 65 years.
Children: 3 months to 25 years (if covered with parents).
Policy Type: Individual or family floater options.
Why Choose the Arogya Sanjeevani Policy?
- Affordable and simple plan regulated by IRDAI.
- Suitable for first-time health insurance buyers.
- Covers essential healthcare needs, including AYUSH treatments.
For more details, visit the ManipalCigna Arogya Sanjeevani Policy page.
FAQs
Rahul Khanna
