Arogya Sanjeevani a health insurance policy with standardised benefits approved by IRDAI

Arogya Sanjeevani, a health insurance policy with standardized benefits approved by IRDAI, is a step towards that goal. The policy offers financial support to you and your family during unforeseen medical emergencies at an affordable premium.
Since the benefits and coverage are standard across all the insurance companies, this policy is simple to comprehend. While the benefits are standard, the premium may vary from insurer to insurer based on the services, ease of buying and claim process, and the number of network hospitals.

Whats covered in ACKO Arogya Sanjeevani Policy?

1)Hospitalization costs for Covid-19 will be covered post 30 days after the policy’s start date.

2)Hospitalization expenses due to accidents and illnesses are covered as per the terms and conditions of the policy.

3)ACKO will pay 95% of the admissible claim amount, and you only need to pay 5% out of your pocket for any claim.

4)Covered up to 5% of sum insured, subject to a maximum of Rs. 10,000 per day.

5)Covered up to 2% of sum insured, subject to a maximum of Rs. 5,000 per day.

6)Pre-existing conditions will be covered after a waiting period of 48 months and continuous renewal for four years.

7)Medical expenses 30 days before and 60 days after any 24 hours or longer hospitalization event are covered.

8)Some surgeries and treatments that require less than 24 hrs of hospitalization are also covered as per the policy terms.

9)Some new age treatments (Oral Chemotherapy, Robotic surgeries, etc.) are also covered.

10)You can claim up to Rs. 2,000 against ambulance charges for each hospitalization.

11)Cataract treatment cost for each eye is covered after two years from the policy start date. The coverage is up to 25% of the sum insured, subject to a maximum of Rs. 40,000.

12)Hospitalization expenses under AYUSH (Ayurveda, Yoga & Naturopathy, Unani, Siddha, and Homeopathy) treatment are covered in this policy as per the terms and conditions.

13)Dental treatments or plastic surgeries due to accidents or diseases are also covered.
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