Niva Bupa Arogya sanjeevani health insurance

Key features of Niva Bupa Arogya Sanjeevani Policy

Expenses Covered under Arogya Sanjeevani Policy

• Pre & Post Hospitalization Expenses
  This policy will cover all the pre-hospitalization expenses (upto 30 days) and post-hospitalization expenses (upto 60 days) following an emergency illness or accidental injury.
• ICU Charges
  The Arogya Sanjeevani policy pays ICU/ICCU expenses be provided up to 5% of sum assured or a maximum of ₹10,000 per day.
• Room Rent
  It covers the room rent of the hospital to up to a maximum of ₹5,000 per day.
• Ambulance Services
  It covers the cost of ambulance services up to a maximum of ₹2000 per hospitalization.
• Cataract Surgery
  It also covers the cost of cataract surgery upto a maximum of ₹40,000 or 25% of the sum insured amount, whichever is less for each eye.
• Coronavirus (COID-19) Expenses
  It covers any expenses incurred on hospitalization/treatment due to contracting COVID-19 or coronavirus disease.
• AYUSH Treatment
  AYUSH treatments are covered at recognised medical centres. (AYUSH means all treatments related to Ayurvedic, Yoga, and Naturopathy, Unani, Siddha, Homeopathy).
• New Age/ Modern Treatment
  This policy also covers the cost of modern/ new age treatment up to a maximum of 50% of the sum insured amount. The list of illnesses are in the table above.

Terms and Conditions of Arogya Sanjeevani Policy

• Sum Assured
  This policy offers the multiple sum assured options from ₹1 lac to ₹5 lacs in the multiple of ₹50,000. The sum assured is available on both individual and family floater basis.
• Policy Duration
  This policy scheme offers policy term option of one year and is renewable on a lifetime basis.
• Co-payment
  For insureds of all age categories and sum insureds, this policy offers a standard co-payment option of 5% of the incurred claims amount payable at the time of settlement.
• Cumulative Bonus
  Arogya Sanjeevani policy also provides a bonus of 5% on the total sum insured amount for every claim-free year that is passed by the insured, and this is accumulated upto a maximum of 50% of the sum insured as a bonus.
• Frequency of Premium Payment
    The premium for this policy can be paid on a monthly, half-yearly, quarterly, and annual basis.
• Portability
  Arogya Sanjeevani policy is easily portable from one insurance company depending on the requirements of the insured.
• Grace Period
  For annual premium payment, 30 days grace period is allowed and for other modes (monthly, quarterly, half yearly) of premium payment 15 days grace period is allowed.
• Free Look Period
  The policy has a Free Look period of 15 days, within which the insure can cancel the policy and expect a full refund.

How can one buy the Arogya Sanjeevani Policy?

• Go online to a comparison website likeeindiainsurance
• Compare the quotes across all the insurance companies – Importantly since all insurance companies, will be offering exactly the same set of benefits for this plan, the individual can compare the premiums and also review the financial parameters of the insurance company while making a final decision
• Fill up the Arogya Sanjeevani proposal form of the respective insurance company
• Make a payment directly online through the payment gateway and then the policy will get issued by the respective insurance company

Claims Settlement Process for Niva Bupa insurance

• Call at: Toll Free 1860-3010-3333
• Fax at: 011-30902010
• Email ID:Customercare@maxbupa.com
• Write at: Niva Bupa Health insurance Company Limited, B-1/I-2, Mohan Cooperative Industrial Estate Mathura Road, New Delhi-110044
• Website: www.maxbupa.com

• Call at: Customer helpline number1860-3010-3333
• Email ID at:Customercare@maxbupa.com
• For Emergency Medical Evacuation Call at: +45 7923 2403
• Email id:emergency@ihi.com

Policy Cancellation and Refunds

Exclusions under the Arogya sanjeevani health insurance Plan

• Maternity Expenses - Cost of treatment related to pregnancy and child birth
• Domiciliary hospitalization - Domiciliary hospitalization expenses
• Outpatient Treatment – Policy covers only expenses incurred during Inpatient treatment (atleast 24 hours hospitalisation)
• Adventure/ Hazardous Sports – Active Participation in a hazardous activities including scuba diving, rock climbing, sky diving, parasailing, deep-sea diving, mountaineering, etc, as a professional
• Cosmetic or Plastic Surgery – Unnecessary expenses for cosmetic/plastic surgery following an accident, burn injury, other medically necessary treatment
• Diagnostic or Investigative Tests - Diagnostic or Investigative tests done by the insured which are elective in nature
• Alcohol/ Drug addiction- Treatment following addiction of alcohol or drug/substance abuse
• Bed Rest or Rehabilitation Expenses
• Expenses for Treatment of Sterility or Infertility
• Claims due to a Nuclear Attack or War/ War-like situation
• Expenses incurred for Weight Control/ Obesity Treatment
• Any Treatment received by the insured outside the boundaries of India
• Expenses relating to surgery or treatment of Gender change