Arogya Sanjeevani Health Insurance Policy is an extensive health insurance plan that comes with an affordable premium. It covers your medical expenses along with the sum insured kept somewhere between 5,00,000 to 10,00,00. Being extensive in nature, it covers costs around intensive care units, room rent, medicine treatments, pre/post hospitalization costs, and more.
Since medical costs are always on the increase, it’s important to secure yourself with coverage like the Arogya Sanjeevani Policy as it prevents inflation from burning a hole in your pocket and keeps you well insured in the long haul. To know more about Arogya Sanjeevani’s insurance policy and how it works, keep reading this post.
What are the key benefits of purchasing this policy?
Simple process:
Arogya Sanjeevani Policy allows you to purchase your insurance plans online in an easy and convenient manner. The process doesn’t require any paperwork and is straightforward.
Customizes your sum insured:
You can also customize the sum insured. Feel free to pick between 50,000 to 10,00,000 depending on your requirements.
Have a good range of hospitals:
You can select from a huge range of hospitals for cashless treatments. Not just that, you can also choose reimbursement in your claims process.
Find cumulative bonus:
In order to enjoy a claim-free year, you can attain a bonus of at least 5% on the sum you have insured. However, this will be subjected to approximately 50% of the sum that has been insured. If you want to select a sum insured of 5,00,000, you don’t always have to raise claims during the year, the sum insured will automatically increase by 25% in the following year.
Simplified claims process:
Now this is one area where everyone feels highly concerned. Having a straightforward claims process will help you sort things out with ease.
How to use the Arogya Sanjeevani policy for cashless treatment?
In order to use this policy for cashless treatments, implement the following:
- Select a network hospital and visit there as given by your provider.
- Verify and confirm your identity using policy details and identification.
- Submit your authorization request for approval from the insurer.
- Review your requests carefully and then get them approved.
- If the treatment is approved, the expenses will be covered by the insurer and you will not be expected to pay it right away.
- However, make sure that all your documents have been submitted on time. Expenses that are not covered in your policy will be held as your responsibility.
So that was an understanding of Arogya Sanjeevani Policy and how you can use cashless health insurance to avail medical treatment at hospitals without expecting to pay cash on the spot.
Note that it is extremely important to know about the policy you select in-depth, and understand all relevant details like documentation before you select any one policy of your choice.
If you still feel confused, speak to a dealer or an agent to give you his suggestions.
