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Arogya Sanjeevani Policy, HDFC ERGO

 

Medical expenses may turn your financial planning upside down! Hence, its recommended to secure your medical expenses with a pocket-friendly insurance plan to offer financial support during medical emergencies. This health insurance plan by HDFC ERGO aims at offering a host of coverage to protect you from financial contingencies caused due to hospital bills. HDFC ERGO's vast network of cashless hospitals for cashless claims and 24x7 customer support will support you during difficult times.

Reasons to choose Arogya Sanjeevani Policy, HDFC ERGO

10,000+ Cashless Network Hospitals
We understand the importance of financial assistance at the time of need, hence we offer cashless hospitalisation facility so that you dont have to worry about the finances while getting medical treatment.
Wide range of sum insured
You can choose from a wide range of sum insured with Arogya Sanjeevani. You can go for a sum insured which is as low as INR 1 Lakh upto a maximum of INR 5 Lakhs in multiples of INR 50000.
Cover entire family in one plan
We understand your family means the world to you hence we cover you, your spouse, kids and parents /in-laws too.
Cumulative Bonus
We reward you for staying fit and healthy! If you dont make any sort of claim in a policy year then we increase your sum insured by 5% every year a maximum upto 50%, which means your coverage increases at no additional premium.

What’s Included?

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Hospitalisation Expenses

Everything from bed-charges, nursing charges, blood tests, ICU and consultation fees gets covered effortlessly. Get 2% of the Sum Insured upto a max of INR 5000 as room rent and 5% of the Sum Insured upto a max of INR 10,000 per day FOR ICU.

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Pre-hospitalisation Cover

Before hospitalisation, there are expenses towards doctor consultations, check-ups and prescriptions. We provide full coverage of such expenses 30 days prior to hospitalisation.

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Post-hospitalisation Cover

Get full coverage of expenses incurred on doctor consultations, rehabilitation charges etc. till 60 days after discharge from hospital.

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Cataract Cover

We give you 25% of the Sum Insured or INR 40,000 whichever is less per eye in one policy year to get treatment for cataract.

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Day Care Procedure

If treatment or surgery is done in a day we will cover the medical expenses seamlessly. You will get covered even if you were'nt hospitalised for more than 24 hours.

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AYUSH Treatment (Non-Allopathic)

We support the healing powers of Ayurveda, Unnani, Sidha and Homeopathy treatment. No matter what type of treatment you prefer, we are always there for you in the time of need.

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Dental Treatment & Plastic Surgery

With our health insurance plan, relieve yourself of the financial stress for dental treatment & plastic surgery necessitated due to any disease or injury is covered

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Other diseases with 50% sum insured coverage

We give you 50% of the Sum Insured ofor getting medical treatment or hospitalisation for 12 listed procedures. Know more A. Uterine Artery Embolization Read More...

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Road Ambulance Cover

Get a maximum upto INR 2000 per hospitalisation for ambulance facilities.

What’s not included?

Adventure Sport injuries
Adventure sport injuries

Adventure sports can give you an adrenaline rush,but when coupled with accidents, they can be hazardous. Our policy does not cover accidents encountered while participating in adventure sports.

Self-inflicted injuries
Self-inflicted injuries

You might think of causing injury to your precious self,but we don’t want you to hurt yourself. Our policy does not cover self-imposed injuries.

War
War

War can be disastrous and unfortunate. However,our policy does not cover any claim that are caused due to wars.

Participation in defense operations
Participation in defense operations

Our policy does not cover accidents while you are participating in defense (Army/Navy/Air Force) operations.

Venereal or Sexually transmitted diseases
Venereal or sexually transmitted diseases

We do understand the criticality of your disease. However,our policy does not cover venereal or sexually transmitted diseases.

Treatment of Obesity or Cosmetic Surgery
Treatment of obesity or cosmetic surgery

Treatment of obesity or cosmetic surgery is not eligible for coverage under your insurance policy.

For detailed inclusion and exclusion please refer the sales brochure/policy wordings

Waiting Periods

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First 24 Months From Policy Inception

Listed illnesses and procedures

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First 48 Months from Policy Inception

A few listed illnesses and procedures along with declared and/or accepted pre-existing conditions at the time of application will be covered after first 4 years of continual renewals.

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First 30 Days from Policy Inception

Only accidental hospitalisations shall be admitted.

Each and every claim under the Policy shall be subject to a Co-payment (your share) of 5% applicable to claim amount admissible and payable. Hence, the amount payable shall be after deduction of this co-payment and the remaining 95% will be settled as your final claim amount

Arogya Sanjeevani Policy, HDFC ERGO UIN: HDFHLIP20175V011920


The above-mentioned inclusions, benefits, exclusions and waiting periods are in gist and is for illustrative purpose only. To know more about the product, its waiting periods and sum insured for medical treatments, please refer to the policy wordings.

Secured Over 1 Crore+ Smiles!
Why choose HDFC ERGO General Insurance?

Secured Over #1 Crore+ Smiles!

Trust redefines relations at HDFC ERGO. We consistently strive to make insurance easier, more affordable and more dependable. Here promises are kept, claims are fulfilled and lives are nurtured with utmost commitment.
Secured Over 1 Crore+ Smiles!
All the support you need-24 x 7
Why HDFC ERGO?

All the support you need-24x7

We understand that in times of distress, instant help is the need of the hour. With our 24x7 customer care and dedicated claims approval team, we ensure to be your constant support system in times of need.
Secured Over 1 Crore+ Smiles!
All the support you need-24 x 7
Transparency In Every Step!
Why HDFC ERGO?

Transparency In Every Step!

Claims is the most important part of insurance policy and we attach maximum importance to seamless claims process.
Secured Over 1 Crore+ Smiles!
All the support you need-24 x 7
Transparency In Every Step!
Integrated Wellness App.
Why HDFC ERGO?

Wellness App.

We go beyond health insurance, caring for your body as well as mind. my:health services application will help you embrace a healthy lifestyle. Get your health card, track your calorie intake, monitor your physical activity and enjoy well-being at its best.
Secured Over 1 Crore+ Smiles!
All the support you need-24 x 7
Transparency In Every Step!
Integrated Wellness App.
Go Paperless!
Why HDFC ERGO?

Go Paperless!

We don't like paperwork either. In this fast world, get your policy online with minimum documentation and easy payment methods.
Why HDFC ERGO?
Secured Over 1 Crore+ Smiles!

Secured Over 1 Crore+ Smiles!

Trust redefines relations at HDFC ERGO. We consistently strive to make insurance easier, more affordable and more dependable. Here promises are kept, claims are fulfilled and lives are nurtured with utmost commitment.
All the support you need-24 x 7

All the support you need-24 x 7

We understand that in times of distress, instant help is the need of the hour. With our 24x7 customer care and dedicated claims approval team, we ensure to be your constant support system in times of need.
Transparency In Every Step!

Transparency In Every Step!

Claims is the most important part of insurance policy and we attach maximum importance to seamless claims process.
Integrated Wellness App.

Integrated Wellness App.

We go beyond health insurance, caring for your body as well as mind. my:health services application will help you embrace a healthy lifestyle. Get your health card, track your calorie intake, monitor your physical activity and enjoy well-being at its best.
Go Paperless!

Go Paperless!

We don't like paperwork either. In this fast world, get your policy online with minimum documentation and easy payment methods. Your policy straight-away sits in your inbox.

Other related articles

 

Other related articles

 

Frequently asked questions

Sum Insured under Arogya Sanjeevani is minimum of 1 lakh and a maximum of Rs 5 lakhs in the multiples of Rs 50,000/-
This product is available for a tenure of 1 year only.
Minimum entry age criteria for adult is 18 years and for child is 3 months whereas maximum entry age limit is 65 years for adult and 25 years for Child
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"

The premium under this product shall be on Pan India basis, ie there is no geographical location/zone based pricing under this product.
There are no plan variants under this product.
Geographical jurisdiction to avail medical treatment is India only.
Yes, you need to pay for pre-policy medical tests at our network Diagnostic Centers upfront. 50% of the medical test charges will be reimbursed on acceptance of the proposal. In case the proposal is declined post pre-policy medical test, then there is no reimbursement of the test cost.
This policy can be opted by Non-Resident Indians also. However the premium to be paid in Indian currency & through Indian Bank Account only. Customer should be in India at the time of purchase of policy.
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