Digit Aarogya Sanjeevani Policy

1. As the cost of healthcare conditions rises, it is important to have a health insurance policy. Aarogya Sanjeevani is astandard policy where similar benefits will be available for all by insurance companies including Digit.
2. This policy is currently one of the most affordable plans available in the market.
3. You must have at least one standard health insurance plan which will also help you save money as you will not be required to touch your savings to meet any of your medical expenses.
4. Aarogya Sanjeevani will provide you coverage in case you or any member of your family is to be treated for Covid-19 or any other illnesses.

What is covered under Aarogya SanjeevaniPolicy

1. Hospitalisationexpenses are covered:Different hospital expenses such asdiagnostics, doctor's fee, cost of medicines, operations, etc. are covered under this policy.
2. Cumulative Bonus:For every claim free year, you will beable toenjoy a bonus of 5% in your sum insured.
3. AYUSH treatment:If you opt for alternative treatments such as Ayurveda, Homeopathy,etc.from a certified hospital, thecost incurred will be covered under the policy.
4. Ambulance service:If you avail the ambulance service, the policy will cover up to Rs.2,000 per hospitalisation.
5. ICU expenses:Under the policy, ICU expenses of up to5% of the total sum insured, orRs.10,000 per day will be covered.
6. Room rent:You can choose a hospital room based on your preference. Rent amount of up to Rs.5,000per day will be covered under the policy.
7. Cataract surgery:In case you or any member needs to have a cataract surgery, the policy will provide coverage of up toRs.40,000 or 25% of the total sum insured whichever is lower.
8. Dental treatments and plastic surgery:In case you are required dental treatment or plastic surgery due to an illness or injury, the cost incurred will becovered under the policy.
9. New age treatments:In case you opt for modern treatments such as Stem Cell Therapy, Sinuplasty, Immunotherapy,then as per the policy you will be provided coverage of up to 50% of your sum insured.

Exclusions under Aarogya Sanjeevani Policy

Given below is the list of exclusions under Aarogya Sanjeevani Policy:

1. Any other hospitalisation expenses which are not related to your medical claim will not be covered.
2. OPD expenses are not covered under this policy.
3. Maternity related expenses are not covered under this policy.
4. Treatment related to obesity or weight control.
5. Treatment for abuse of substance.
6. Plastic or cosmetic surgery.
7. Gender alteration surgeries or treatment.
8. Availing treatment withoutdoctor'srecommendation.
9. Treatment related to fertility and sterility.

Who can avail Aarogya SanjeevaniPolicy

1. If you are looking for a basic health insurance policy.
2. If you are looking for a policy that will provide you coverage and allow you to meet the cost of treatment of Covid-19.
3. This plan is suitable if you are looking to avail health insurance for the first time.

FAQ's-of-of-Digit-Aarogya-Sanjeevani-Policy

• What are some of the new age treatments covered under Aarogya Sanjeevani Policy?

  Some of the new age treatments covered are:

  • Oral chemotherapy
  • Deep brain simulation
  • Bronchialthermoplasty
  • Robotic surgeries
  • Balloon Sinuplasty
• What are some of the standard benefits offered by Aarogya Sanjeevani Policy?

  Some of the standard benefits offered by Aarogya Sanjeevani Policy are:

  • Premium is low.
  • Lifelongrenewability
  • Sum insured of up to Rs.5 lakh
  • Low copayment
  • Individual and family floater plans available
• What is the age of eligibility to avail Aarogya Sanjeevani Policy?

  You must be aged between 18 years and 60 years to be eligible to avail this health insurance policy.

• Can I port my existing policy to Aarogya Sanjeevani Policy?

  Yes, you can port your existing policy to Aarogya Sanjeevani Policy.

• Is there a waiting period under this policy?

  Yes, there is a waiting period ranging between 2 years and 4 years depending on the type of disease. You will be covered for a particular disease only when the waiting periodfor it is over.