What does the Group Arogya Sanjeevani policy cover?

The Group Arogya Sanjeevani policy covers:

• Pre-hospitalisation expenses - Medical expenses you incur 30 days prior to your hospitalisation will be covered as per the T&Cs.
• Hospitalisation expenses - If you or your family member is hospitalised for 24 consecutive hours, the following will be covered based on the sum insured and the cumulative bonus specified in your policy schedule:
  • Room rent, boarding, and nursing expenses as charged by the hospital or nursing home: This will be covered for upto 2% of the sum insured. The maximum amount you can claim per day is ₹5,000.
  • Intensive Care Unit (ICU) or Intensive Cardiac Care Unit (ICCU) expenses: These expenses will be covered for upto 5% of the sum insured. The maximum amount you can claim per day is ₹10,000. 
  • Other expenses  
    • Dental treatment, if required, due to a disease or an injury
    • Plastic surgery, if required, due to a disease or an injury
    • All day care treatments
• Post-hospitalisation expenses - Medical expenses you incur for hospitalisation that requires in-patient care for a fixed period of 60 days from the discharge date will be covered as per the T&Cs.
• Ambulance expenses - Expenses you’ve incurred for road ambulance services will be covered. You can get a maximum of ₹2,000 per hospitalisation. 
• The following procedures will be covered (if medically required) either as part of in-patient or day care treatment in a hospital for upto 50% of the sum insured:
  • Uterine artery embolisation and High Intensity Focused Ultrasound (HIFU)
  • Balloon sinuplasty
  • Deep brain stimulation
  • Oral chemotherapy
  • Immunotherapy - This includes monoclonal antibody if it’s to be injected
  • Intra vitreal injections
  • Robotic surgeries
  • Stereotactic radio surgeries
  • Bronchial thermoplasty
  • Vaporisation of the prostate (Green laser treatment or holmium laser treatment)
  • Intra Operative Neuro Monitoring (IONM)
  • Stem cell therapy - Covers hematopoietic stem cells for bone marrow transplant 

Learn more about what this policy doesn’t cover.