Arogya Sanjeevani Health Insurance Policy

Arogya Sanjeevani is a health insurance policy that protects you from the financial burden at the time of hospitalization. It enables you to live your life the way you please without worrying about not having enough money for treatment in case things go wrong.

Yes, with Arogya Sanjeevani Policy, You can get coverage for yourself, your legally wedded spouse, dependent children, parents, parents in laws under the both individual and floater option

Please refer the table below to understand the SI options under the standard health insurance:

Hospitalization, Pre-hospitalization and post-hospitalization expenses are covered under the Arogya Sanjeevani policy.

You can buy Arogya Sanjeevani health insurance with steps mentioned below:

• 1. Visit our website (www.bajajallianz.com) for details.
• 2. Fill the proposal form stating your personal details and health profile.
• 3. We will process your proposal. Based on the information provided, you may be required to undergo pre-policy medical examination (the cost to be borne by you) at our network diagnostic centers.
• 4. Depending on our evaluation if your proposal is accepted, then we will issue the policy after the receipt of single premium.
• 5. If the policy is issued we will refund you 100% of the cost of the pre-policy medical examination.
• 6. The Policy Schedule, Policy Wordings, Cashless Cards and Health Guide will be sent on your mail ID mentioned on the proposal form.

Please note that you can pay the premium for this policy in installments, which can be paid annually, half-yearly, quarterly or monthly basis.

You are eligible to avail this standard health insurance plan if:

• 1. You /Your legally wedded Spouse /Parents/ Parents In law are in the age group of 18 years to 65 years
• 2. Your dependent children are in the age group of 3 months to 25 years

Please note that if your children are above 18 years of age and are financially independent, they will be ineligible for coverage in the subsequent renewals.

The sub-limits under Arogya Sanjeevani health insurance policy are:

Sum insured can be changed (increased/ decreased) only at the time of renewal or at any time, subject to underwriting by the Company. For any increase in SI, the waiting period shall start afresh only for the enhanced portion of the sum insured.

Yes, a mandatory 5% co-payment would be applied when you choose this policy.

If the Insured seeks admission in a hospital, then a 5% co-payment would apply on all Hospitalization expenses incurred, excluding consumables & medicines.

The Arogya Sanjeevani Policy is issued for a tenure of 1/2/3 years, ensuring short-term but comprehensive health coverage. Policyholders can renew the policy to maintain continuous protection without any gaps. Bajaj Allianz General Insurance Company also offers lifetime renewal options, so once you opt for the policy, you can continue to enjoy coverage year after year. Renewing within the designated grace period not only maintains coverage but also preserves accrued benefits, such as the cumulative bonus for claim-free years. This ensures that your health insurance coverage remains intact, providing assurance and uninterrupted financial protection.

Yes, a mandatory co-payment of 5% applies to every claim made under the Arogya Sanjeevani Policy. This co-payment means that the policyholder is responsible for covering 5% of the approved claim amount, while Bajaj Allianz General Insurance Company will cover the remaining 95%, subject to policy terms. The co-payment requirement helps keep premiums affordable and encourages the responsible use of insurance benefits. It is a manageable cost-sharing arrangement that allows policyholders to benefit from extensive health coverage while keeping insurance costs lower. This balance makes the policy accessible without compromising on the quality of coverage.

Yes, any declared and accepted pre-existing diseases are covered under the Arogya Sanjeevani Policy, but with a waiting period of 36 months. This means that after three consecutive years of policy renewal without any gaps, any pre-existing conditions disclosed at the time of purchase will be included in the coverage. This waiting period is standard for health insurance policies, ensuring that pre-existing health issues are managed responsibly by both the insurer and the policyholder. Once the waiting period is over, policyholders can receive comprehensive health coverage for pre-existing conditions, making the policy suitable for long-term health security.

Yes, the Arogya Sanjeevani Policy offers a cashless claim facility at network hospitals across India, streamlining the process of getting medical treatment. With the cashless option, policyholders can seek treatment at any network hospital without worrying about upfront payment. By presenting their Bajaj Allianz General Insurance Company Health Card and a valid government ID at the hospital insurance desk, policyholders can avail of cashless services, where Bajaj Allianz General Insurance Company settles the bill directly with the hospital. This convenient feature reduces financial stress during emergencies, as patients only need to cover non-medical expenses or co-payments, ensuring a smoother hospitalisation experience.