Arogya Sanjeevani Policy- National

Sanjeevani Health Policy – National health insurance policy for yourself and your family is necessary because medical care is expensive, especially in the private sector. Hospitalization can burn a hole in your all savings and derail your finances. It will become even very toughest , if the person who brings in the money, is now in a hospital bed. All this can be avoided by just paying a small annual premium which would decrease your stress in case of medical emergencies. Sanjeevani Health Policy – good health insurance policy would usually cover all expenses made towards doctor consultation fees, costs towards medical tests, ambulance charges, hospitalization costs and even post-hospitalization recovery costs to a certain extent.
What does the Arogya Sanjeevani Policy Cover?
Annual Increase in sum insured by 5% for each claim free year up to maximum 50% of Sum Insured opted.
you can buy this Policy both as an individual as well as a floater.
Enhanced limits for room rents and ICU.
Online Discounts available for purchasing policy online without any intermediary.
Instalment facility available for payment of premium.
Tax benefit under Section 80D of Income Tax Act 1961 for premium paid
Pre Policy Check Up

if – Proposers aged 55 years and above (including dependents) and availing the policy for the first time.

List of Tests/Reports::

Blood sugar Test (fasting/ post prandial), HbA1c in some policies
Lipid profile
Serum creatinine
Urine routine and microscopic examination
ECG
Eye check-up (including retinoscopy)

Insurance Claim Process

Cashless Claim Process
the insured individual provides their health insurance details to the respective hospital, he/she begins to receive treatment. Upon discharge, hospital will forward the medical bills to the designated health insurance company.

Reimbursement Claim Process
the reimbursement claim process, the insured individual who has been admitted to a certain hospital pays for the entire treatment until discharge.
check our more: Health Insurance policy

Rate Chart

TABLE 1 : Premium Rate for Eldest Member in Group  (FLOATER POLICY)

TABLE 1 : Premium Rate for Individual Policy

Age_band	100000	150000	200000	250000	300000	350000	400000	450000	500000
0-5	2,932	3,696	3,969	4,224	4,472	4,684	4,879	5,123	5,323
6-17	2,435	2,892	3,240	3,793	4,305	4,542	4,778	4,987	5,157
18-25	2,752	3,217	3,828	4,236	4,709	5,145	5,473	5,794	6,057
26-30	3,031	3,748	4,358	4,730	5,152	5,698	6,170	6,728	7,185
31-35	3,467	4,210	4,757	5,371	5,728	6,249	6,699	7,243	7,688
36-40	4,137	4,959	5,451	6,094	6,532	6,975	7,378	7,831	8,202
41-45	4,472	5,650	6,413	7,012	7,756	8,316	8,877	9,521	10,048
46-50	5,266	7,414	8,299	9,005	10,329	10,916	11,525	12,639	13,551
51-55	7,260	9,894	11,028	12,671	13,951	14,918	15,878	17,065	18,037
56-60	9,619	12,789	15,022	16,828	18,376	20,006	21,409	23,317	24,877
61-65	12,079	15,685	18,444	20,427	22,436	25,465	28,673	31,311	33,470
66-70	15,552	19,284	23,386	27,430	29,608	32,229	37,746	40,426	42,618
71-75	18,270	22,433	27,994	31,667	33,050	35,643	42,486	46,288	49,398
76-80	20,535	25,746	30,732	35,518	37,812	42,487	48,187	52,721	56,430
81-85	22,100	28,321	33,785	38,166	41,522	46,666	52,913	57,874	61,934
86+	24,295	31,120	37,107	40,975	45,560	51,213	56,782	62,908	67,921

For Policy on Floater basis – Premium Table for family members (other than Senior Most member

TABLE 2 : Premium Rate for 2nd Eldest Member in Group

Age_band	100000	150000	200000	250000	300000	350000	400000	450000	500000
0-5	2228	2809	3017	3210	3399	3560	3708	3894	4046
6-17	1850	2198	2463	2883	3272	3452	3632	3790	3920
18-25	2147	2510	2986	3304	3673	4013	4269	4519	4724
26-30	2364	2924	3400	3689	4018	4445	4812	5248	5604
31-35	2774	3368	3806	4297	4583	4999	5360	5795	6151
36-40	3310	3968	4361	4876	5225	5580	5903	6265	6562
41-45	3667	4633	5259	5750	6360	6819	7279	7807	8239
46-50	4318	6080	6806	7384	8470	8951	9450	10364	11112
51-55	6026	8212	9153	10517	11580	12382	13179	14164	14970
56-60	7984	10614	12468	13967	15252	16605	17769	19353	20648
61-65	10026	13019	15309	16954	18621	21136	23798	25988	27780
66-70	13064	16199	19644	23041	24871	27072	31707	33958	35799
71-75	15530	19068	23795	26917	28092	30296	36113	39344	41989
76-80	17455	21884	26122	30190	32140	36114	40959	44813	47966
81-85	18785	24073	28717	32441	35294	39666	44976	49193	52644
86+	20894	26763	31912	35238	39182	44043	48832	54101	58412

TABLE 3 : Premium Rate for 3rd Eldest Member in Group

Age_band	100000	150000	200000	250000	300000	350000	400000	450000	500000
0-5	1862	2347	2520	2682	2840	2974	3098	3253	3380
6-17	1558	1851	2074	2428	2755	2907	3058	3192	3301
18-25	1844	2156	2565	2838	3155	3447	3667	3882	4058
26-30	2031	2511	2920	3169	3452	3818	4134	4508	4814
31-35	2427	2947	3330	3760	4010	4374	4690	5070	5382
36-40	2896	3472	3816	4266	4572	4883	5165	5482	5741
41-45	3287	4153	4714	5154	5700	6112	6525	6998	7385
46-50	3949	5561	6225	6753	7747	8187	8644	9480	10163
51-55	5627	7668	8546	9820	10812	11561	12305	13225	13978
56-60	7599	10103	11867	13294	14517	15805	16913	18420	19653
61-65	9664	12548	14755	16342	17948	20372	22938	25049	26776
66-70	12597	15620	18943	22219	23983	26105	30575	32745	34520
71-75	15073	18507	23095	26125	27266	29405	35051	38187	40754
76-80	16839	21112	25200	29124	31006	34839	39513	43231	46273
81-85	18122	23224	27703	31296	34048	38266	43389	47457	50786
86+	20165	25830	30798	34009	37815	42507	47129	52214	56374

TABLE 4 : Premium rate for all other members in Group

Age_band	100000	150000	200000	250000	300000	350000	400000	450000	500000
0-5	1539	1940	2084	2218	2348	2459	2562	2690	2795
6-17	1315	1562	1750	2048	2325	2453	2580	2693	2785
18-25	1569	1834	2182	2415	2684	2933	3120	3303	3452
26-30	1758	2174	2528	2743	2988	3305	3578	3902	4167
31-35	2184	2652	2997	3384	3609	3937	4221	4563	4844
36-40	2689	3224	3543	3961	4246	4534	4796	5090	5331
41-45	3108	3927	4457	4873	5390	5780	6170	6617	6983
46-50	3844	5412	6059	6573	7540	7969	8413	9227	9892
51-55	5482	7470	8326	9567	10533	11263	11988	12884	13618
56-60	7407	9847	11567	12957	14150	15405	16485	17954	19156
61-65	9422	12234	14387	15933	17500	19863	22365	24423	26107
66-70	12286	15235	18475	21670	23391	25461	29820	31936	33668
71-75	14707	18058	22535	25492	26605	28692	34201	37262	39766
76-80	16428	20597	24586	28414	30249	33990	38549	42176	45144
81-85	17680	22657	27028	30533	33218	37333	42330	46299	49547
86+	19679	25207	30056	33190	36904	41483	45993	50956	55016

*Rates are including TPA charges, but excluding GST

Installment Premium:

Percentage of total family premium (Individual or Floater) to be charged in each installment is as shown below.

	Half Yearly	Quarterly	Monthly
1st Installment	53.50%	30.00%	12.50%
Other(s)	50.00%	25.00%	8.50%
Total	103.50%	105.00%	106.00%

Discount for Direct Sale – 10% on total premium.