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What’s in it for you?
Cover 09 plans/options with Health Prime Rider
Sum Insured options up to Rs. 5 Lakh
Coverage for AYUSH treatment
Payment of Premium on an installment basis
Taking care of something precious to you is a natural instinct. And, we know that your health is the most precious thing to you. You can win the world if you are fit and fine. But, you need a strong financial support if you have to take good care of your health, especially in case of an emergency like a serious illness or accident.
The Arogya Sanjeevani Policy by Bajaj Allianz Health Insurance will help you get that financial support and protect you from the financial burden at the time of hospitalization. With Arogya Sanjeevani health insurance, you can stop worrying about emptying your savings and deal with any medical emergency head-on.
With Arogya Sanjeevani Policy to support you, you don't ever have to worry about not having enough money for treatment in case things go wrong.
The Arogya Sanjeevani Policy by Bajaj Allianz Health Insurance will help you get that financial support and protect you from the financial burden at the time of hospitalization. With Arogya Sanjeevani health insurance, you can stop worrying about emptying your savings and deal with any medical emergency head-on.
Extensive Coverage
Arogya Sanjeevani health insurance policy covers you for*:
a) Hospitalization:
✓ Room Rent, Boarding, Nursing Expenses
✓ Intensive Care Unit (ICU)/Intensive Cardiac Care Unit (ICCU)
✓ Road ambulance cover
b) Listed Modern Treatment Methods
c) All Day Care Treatments
d) AYUSH Treatment: Medical Expenses incurred for Inpatient Care treatment under Ayurveda, Yoga and Naturopathy, Unani, Sidha and Homeopathy systems of medicines during each Policy Year upto the limit of Sum Insured as specified in the Policy Schedule in any AYUSH Hospital.
e) Cataract Treatment: Medical Expenses incurred for treatment of Cataract
*subject to limits
Medical Procedures Covered
Arogya Sanjeevani health insurance policy covers the following procedures either as In-patient or as part of day care treatment in a hospital*:
a) Uterine Artery Embolization and HIFU (High Intensity focused ultrasound)
b) Balloon Sinuplasty
c) Deep Brain Stimulation
d) Oral Chemotherapy
e) Immunotherapy - Monoclonal Antibody to be given as injection
f) Intra vitreal injections
g) Robotic surgeries
h) Stereotactic radio surgeries
i) Bronchical Thermoplasty
j) Vaporisation of the prostrate (Green laser treatment or holmium laser treatment)
k) IONM – (Intra Operative Neuro Monitoring)
l) Stem Cell Therapy: Hematopoietic stem cells for bone marrow transplant for haematological conditions to be covered.
*subject to limits
Policy Type
There are two types of Arogya Sanjeevani health insurance policies, both with a tenure of one year:
a) Arogya Sanjeevani Policy, Bajaj Allianz General Insurance Company – Individual
b) Arogya Sanjeevani Policy, Bajaj Allianz General Insurance Company – Family Floater
Premium Payment in Instalment
Premium Payment can be made either in Full or in instalments- Half Yearly, Quarterly, Monthly.
Annual Policy
You and your family members will be covered for a period of one year with Arogya Sanjeevani health insurance policy.
Lifetime Renewal
Arogya Sanjeevani policy comes with lifetime renewal benefits.
Discounts
Family Discount: 10% family discount shall be offered if 2 eligible Family Members are covered under a single Policy and 15 % if more than 2 of any of the eligible Family Members are covered under a single Policy. Moreover, this family discount will be offered for both new policies as well as for renewal policies.
Online/Direct Business Discount: Discount of 5% will be offered in this product for policies underwritten through direct/online channel.
Note: this discount is not applicable for Employees who get employee discount
Cashless facility at network hospitals is available 24x7, throughout the year, without any interruption in service. The list of hospitals where cashless settlement can be availed is dynamic and liable to change without notice. You must check the hospital list before getting admitted. The updated list is available on our website and with our call center. Bajaj Allianz Health Card along with a government ID proof is mandatory at the time of availing cashless facility.
When you are opting for cashless claims, follow the steps given below:
Important points to note
The cost of the above services have to be borne by you and paid directly to the hospital before discharge.
Reimbursement of pre/post hospitalization expenses
Relevant medical expenses incurred before admission and after discharge from the hospital will be reimbursed as per the policy. Prescriptions and bills/receipts of such services should be submitted to Bajaj Allianz General Insurance along with the duly signed claim form.
Inform the Bajaj Allianz General Insurance HAT about the hospitalization.
Register your health insurance claim online.
To register your claim offline, please call us on our toll-free number: 1800-209-5858.
For reimbursement of claims the insured person may submit the necessary documents to the Health Administration Team (HAT) team within the prescribed time limit as specified below:
| Type of Claim | Prescribed Time Limit |
| Reimbursement of hospitalization, day care and pre hospitalization expenses | Within 30 days of date of discharge of hospital |
| Reimbursement of post hospitalization expenses | Within 15 days from completion of post hospitalization treatment |
Documents required for reimbursement claim:
Complete set of claim documents needs to be forwarded to
Health Administration Team,
Bajaj Allianz General Insurance Co. Ltd.
2nd floor, Bajaj Finserv Building, Behind Weikfield IT Park, Off Nagar Road,Viman Nagar-Pune - 411 014.
Arogya Sanjeevani is a health insurance policy that protects you from the financial burden at the time of hospitalization. It enables you to live your life the way you please without worrying about not having enough money for treatment in case things go wrong.
Yes, with Arogya Sanjeevani Policy, You can get coverage for yourself, your legally wedded spouse, dependent children, parents, parents in laws under the both individual and floater option
Please refer the table below to understand the SI options under the standard health insurance:
| S.no | Coverage | Sum Insured (Minimum) | Sum Insured (Maximum) | Remarks |
| 1 | Hospitalization | Rs. 1,00,000 | Rs. 5,00,000 | 1. Room Rent, Boarding, Nursing Expenses- 2% of the sum insured subject to maximum of Rs.5000/-, per day 2. Intensive Care Unit (ICU) / Intensive Cardiac Care Unit (ICCU) - 5% of the sum insured subject to maximum of Rs.10,000/-, per day 3. road ambulance maximum of Rs. 2000/- per hospitalization |
| 2 | AYUSH Treatment | Rs. 1,00,000 | Rs. 5,00,000 | |
| 3 | Cataract Treatment | 25% of Sum Insured or Rs.40,000/-, whichever is lower, per each eye in one policy period. | ||
| 4 | Pre Hospitalization | Up to and within Hospitalization Sum Insured | 30 days | |
| 5 | Post Hospitalization | 60 days | ||
| 6 | Modern Treatment Methods | 50% of Hospitalization SI | 1. Uterine Artery Embolization and HIFU (High Intensity focused ultrasound) 2. Balloon Sinuplasty 3. Deep Brain Stimulation 4. Oral Chemotherapy 5. Immunotherapy – Monoclonal Antibody to be given as injection 6. Intra vitreal injections 7. Robotic surgeries 8. Stereotactic radio surgeries 9. Bronchical Thermoplasty 10. Vaporization of the prostrate (Green laser treatment or holmium laser treatment) 11. IONM – (Intra Operative Neuro Monitoring) 12. Stem Cell Therapy: Hematopoietic stem cells for bone marrow transplant for haematological conditions to be cover |
|
Hospitalization, Pre-hospitalization and post-hospitalization expenses are covered under the Arogya Sanjeevani policy.
You can buy Arogya Sanjeevani health insurance with steps mentioned below:
Please note that you can pay the premium for this policy in installments, which can be paid annually, half-yearly, quarterly or monthly basis.
You are eligible to avail this standard health insurance plan if:
Please note that if your children are above 18 years of age and are financially independent, they will be ineligible for coverage in the subsequent renewals.
The sub-limits under Arogya Sanjeevani health insurance policy are:
| Annual Policy Benefit/Procedure | Sub-limit |
| Per day Room rent- Normal | 2% of Sum Insured subject to a maximum of Rs. 5000/- |
| Per day ICU/ICCU expenses | 5% of Sum Insured subject to a maximum of Rs. 10,000/- |
| Cataract surgery | 25% of Sum Insured or Rs. 40,000/- whichever is lower for each eye |
| Road Ambulance | Rs. 2000/- per hospitalization |
| Modern Treatment Methods | 50% of sum insured |
Sum insured can be changed (increased/ decreased) only at the time of renewal or at any time, subject to underwriting by the Company. For any increase in SI, the waiting period shall start afresh only for the enhanced portion of the sum insured.
Yes, a mandatory 5% co-payment would be applied when you choose this policy.
If the Insured seeks admission in a hospital, then a 5% co-payment would apply on all Hospitalization expenses incurred, excluding consumables & medicines.
The online health insurance policy renewal on your website is excellent, user-friendly, and smooth.
Bajaj Allianz’s executive has provide an extreme support and would like to appreciate the same. Kudos.
Bajaj Allianz's executive very nicely elaborated the benefits of the policy. She has very good communication skills and explained very well.
Arogya Sanjeevani health insurance for handling your financial burden during hospitalization
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You can even cover your extended family like in-laws.
Lifetime Renewal benefit is available under this policy.
With our cashless and reimbursement claim settlement process, we make your filing, tracking and claim settlement process very smooth and convenient.
Premium can be paid on instalment basis- Annual, Half yearly, Quarterly or Monthly.
For new proposals, you do not have to undergo any medical test up to 45 years of age.
Cumulative Bonus will be increased by 5% in respect of each claim free policy year (no claims are reported), provided the policy Read more
Cumulative Bonus will be increased by 5% in respect of each claim free policy year (no claims are reported), provided the policy is renewed with the company without a break subject to maximum of 50% of the sum insured under the current policy year.
The Insured or Insured Person(s) shall be allowed a period of fifteen days from date of receipt of the Policy to review the terms Read more
The Insured or Insured Person(s) shall be allowed a period of fifteen days from date of receipt of the Policy to review the terms and conditions of the Policy, and to return the same if not acceptable.
Covers pre and post hospitalization expenses up to 30 and 60 days respectively.
Includes the expenses incurred on road ambulance subject to a maximum of Rs. 2000/- per hospitalization.
100 % cost of pre-policy check-up would be refunded if the proposal is accepted & policy is issued.
Covers expenses for all Day Care treatments.
Any disease contracted during the first 30 days of commencement of the health insurance policy will be excluded from coverage, except injuries caused due to an accident.
In case of pre-existing diseases, a waiting period of 48 months will be applicable.
A waiting period of 24 months is applicable for diseases such as a hernia, piles, Hysterectomy and Tympanoplasty.
Treatment taken outside the geographical limits of India will be excluded from coverage.
A waiting period of 48 months is applicable for treatment for joint replacement unless arising from accident.
Set Renewal Reminder
Thank you for your interest. We will send you a reminder when your policy is due for renewal.
(Based on 3,912 reviews & ratings)
Sundar Kumar Mumbai
Easy online buying of health insurance policy with no manual intervention required.
Pooja Mumbai
Bajaj Allianz very informative and helpful representatives.
Nidhi Sura Mumbai
The policy issue was very quick and simple. User friendly interface.
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I hereby authorize Bajaj Allianz General Insurance Co. Ltd. to call me on the contact number made available by me on the website with a specific request to call back at a convenient time. I further declare that, irrespective of my contact number being registered on National Customer Preference Register (NCPR) under either Fully or Partially Blocked category, any call made or SMS sent in response to my request shall not be construed as an Unsolicited Commercial Communication even though the content of the call may be for the purposes of explaining various insurance products and services or solicitation and procurement of insurance business. Furthermore, I understand that these calls will be recorded & monitored for quality & training purposes, and may be made available to me if required.
Written By : Bajaj Allianz - Updated : 10th January 2024
Disclaimer
I hereby authorize Bajaj Allianz General Insurance Co. Ltd. to call me on the contact number made available by me on the website with a specific request to call back at a convenient time. I further declare that, irrespective of my contact number being registered on National Customer Preference Register (NCPR) under either Fully or Partially Blocked category, any call made or SMS sent in response to my request shall not be construed as an Unsolicited Commercial Communication even though the content of the call may be for the purposes of explaining various insurance products and services or solicitation and procurement of insurance business. Furthermore, I understand that these calls will be recorded & monitored for quality & training purposes, and may be made available to me if required.
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