Jan Arogya Bima Policy

This is a medical insurance policy offered by New India Assurance Co.Ltd to those who are economically backward. The insured can receive an amount of Rs.5,000 and claim tax benefits of up to Rs.10,000 under Section 80D of the Income Tax Act,1961.
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The Jan Arogya Bima Policy, offered by the New India Assurance Co.Ltd, is aimed at providing medical insurance to economically backward sections of society. It is important to note that premium up to Rs.10,000 can be claimed as tax benefit under Section 80D of the Income Tax Act. The sum insured is Rs.5000 per individual under this policy. The Jan Arogya Bima Policy is available to family members as well as individuals. The minimum eligibility age is 5 years while the maximum age is 70 years. Under the Jan Arogya Bima Policy, there is no facility of medical checkups. Also, the benefit of cumulative bonus is not offered under this policy.

Features of Jan Arogya Bima Policy

The salient features of Jan Arogya Bima Policy are listed below:

  • Sum Assured:The sum insured is Rs.5000 per individual
  • Duration: The Jan Arogya Bima Policy is offered for a period of one year
  • Claim settlement: The insurance provider will settle the claims under thirty days of the receipt of the necessary documents. The insurer will transfer the funds within 7 days of acceptance of claim
  • Grievance redressal: The insured can contact grievance cells at Office of the Insurance Ombudsman for redressal of any grievance
  • Free look period: The Jan Arogya Bima Policy has a free look period of 15 days
  • Cancellation: This policy may be cancelled by a giving a 30-day notice period to the insured. The insured too can cancel the life insurance policy at any time, following which, his premium will be refunded (short period rates), provided no claim has been made up to the cancellation period

Exclusions Under the Jan Arogya Bima Policy

Various exclusions (non-medical) under the Jan Arogya Bima Policy are listed below:

  1. Baby set
  2. Baby bottles
  3. Hand wash
  4. Beauty services
  5. Hair removal cream
  6. Buds
  7. Caps
  8. Brush
  9. Belts
  10. Carry bags
  11. Baby food
  12. Comb
  13. Eye pad
  14. Leggings
  15. Cradle charges
  16. Cold pack
  17. Foot cover
  18. Eye shield
  19. Bed pan
  20. Tooth brush
  21. Mineral water
  22. Slippers
  23. Sanitary pads
  24. Tissue paper
  25. Telephone charges
  26. Curapore
  27. Gause soft
  28. Infant food
  29. Cliniplast
  30. Camera cover
  31. DVD charges
  32. Hansaplast
  33. Flexi mask
  34. Slings
  35. Eyelet collar
  36. Hand holder
  37. Weight control services
  38. Hormone replacement therapy
  39. Hearing aids
  40. Sexually transmitted diseases
  41. Dental treatment
  42. Stem cell implantation
  43. Refractive error
  44. HIV/AIDS

Various services which are payable under OT charges are listed below:

  1. Arthroscopy
  2. Endoscopy
  3. Surgical drill
  4. Theatre booking
  5. Microscope cover
  6. Ward booking
  7. Eye drape
  8. Sputum cup
  9. Harmonic scalpel
  10. Blade
  11. Boyles apparatus
  12. X-ray film
  13. Cotton bandage
  14. Urine container
  15. Torniquet
  16. Sterile injections
  17. Micropore
  18. Antiseptic lotions

Various administrative charges not payable are listed below:

  1. Conveyance charges
  2. Admission kit
  3. Daily chart charges
  4. File opening charges
  5. Diabetic chart changes
  6. Incidental expenses
  7. Washing charges
  8. Photocopying charges
  9. Documentation charges
  10. Medicine box
  11. Patient identification band
  12. Discharge procedure charges
  13. Courier charges
  14. Medico-legal case charges
  15. Medical records
  16. Mortuary charges

The durable devices not payable under this policy are listed below:

  1. Thermometer
  2. Bipap machine
  3. Spacer
  4. Steam inhaler
  5. Diabetic footwear
  6. Infusion pump
  7. Commode
  8. Splint
  9. Spirometre
  10. Nebulizer kit
  11. CPAP equipments
  12. Armsling
  13. Knee braces
  14. Lumbosacral belt
  15. Oxygen cylinder
  16. Cervical collar
  17. Ambulance collar
  18. Microshield
  19. Abdominal binder
  20. Ambulance equipment

The items payable by a prescription are listed below:

  1. Digestion gels
  2. Mouth paint
  3. Novarapid
  4. Zytee gel
  5. Volini gel
  6. Lozenges
  7. ECG electrodes 

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Display of any trademarks, tradenames, logos and other subject matters of intellectual property belong to their respective intellectual property owners. Display of such IP along with the related product information does not imply BankBazaar's partnership with the owner of the Intellectual Property or issuer/manufacturer of such products.

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