Raheja QBE Arogya Sanjeevani Policy

Raheja QBE Arogya Sanjeevani Policy benefits

• Eligibility Criteria of Raheja QBE Arogya Sanjeevani Policy

  • Sum Insured :
    Minimum Sum Insured INR 1 Lakh
    Maximum Sum Insured INR 5 Lakh, and in the multiple of INR 50,000/-
  • Entry Age:
    For Adults: From 18 Years to 65 Years
    For Child: From 3 Months to 25 Years
  • Policy Period:1 Year
  • Family floater covers a maximum of six members of the family.

• Coverages of Raheja QBE Arogya Sanjeevani Policy

  Name	Arogya Sanjeevani Policy,Raheja QBE General Insurance Company Limited
  Product Type	Individual/ Floater
  Category of Cover	Indemnity
  Sum insured	INR From 100,000 to 500,000 (In Multiple of INR 50,000) On Individual basis – SI shall apply to each individual family member On Floater basis – SI shall apply to the entire family
  Policy Period	1 year
  Eligibility	Policy can be availed by persons between the age of 18 years and 65years, as Proposer. Proposer with higher age can obtain policy for family, without covering self. Policy can be availed for Self and the following family members i. legally wedded spouse. ii. Parents and Parents-in-law. iii. Dependent Children (i.e. natural or legally adopted) between the age 3 months to 25 years. If the child above 18 years of age is financially independent, he or she shall be ineligible for coverage in the subsequent renewals
  Grace Period	For Yearly payment of mode, a fixed period of 30 days is to be allowed as Grace Period and for all other modes of payment a fixed period of 15 days be allowed as grace period.
  Hospitalisation Expenses	Expenses of Hospitalization for a minimum period of 24 consecutive hours only shall be admissible Time limit of 24 hrs shall not apply when the treatment is undergone in a Day Care Centre.
  Pre Hospitalisation	For 30 days prior to the date of hospitalization
  Post Hospitalisation	For 60 days from the date of discharge from the hospital
  Sublimit for room/Doctor’s fee	1.Room Rent, Boarding, Nursing Expenses all inclusive as provided by the Hospital / Nursing Home up to 2% of the sum insured subject to maximum of Rs.5000/- per day. 2.Intensive Care Unit (ICU) charges/ Intensive Cardiac Care Unit (ICCU) charges all inclusive as provided by the Hospital / Nursing Home up to 5% of the sum insured subject to maximum of Rs.10,000/-, per day
  Cataract Treatment	Up to 25% of Sum insured or Rs.40,000/-, whichever is lower, per eye, under one policy year.
  AYUSH	Expenses incurred for Inpatient Care treatment under Ayurveda, Yoga and Naturopathy, Unani, Siddha and Homeopathy systems of medicines shall be covered upto sum insured, during each Policy year as specified in the policy schedule.
  Pre Existing Disease	Only PEDs declared in the Proposal Form and accepted for coverage by the company shall be covered after a waiting period of 4 years
  Cumulative bonus	Increase in the sum insured by 5% in respect of each claim free year subject to a maximum of 50% of SI. In the event of claim the cumulative bonus shall be reduced at the same rate.
  Co Pay	5% co pay on all claims
  Pre Policy Medical Check-up	No medical test required for age upto 55 years for no past medical history.

• Exclusions of Raheja QBE Arogya Sanjeevani Policy

  • Investigation & Evaluation.
  • Rest Cure, rehabilitation and respite care.
  • Obesity/ Weight Control.
  • Cosmetic or plastic Surgery.
  • Hazardous or Adventure sports.
  • Unproven Treatments.
  • Maternity Expenses.