Arogya Sanjeevani vs Women Care Health Insurance Plan
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| PLAN DETAILS |
 Arogya Sanjeevani |
 Women Care |
| Premium Including GST | ||
| Sum Assured | 3L, 4L & 5L | 5, 10, 15, 20, 25, 50 Lacs & 1Cr |
| Product Type | Reimbursement Hospitalization and Cashless | Reimbursement Hospitalization and Cashless |
| Key Features (Key features of the plan) |
15 days Free-look period Lifelong Renewability Day Care Treatment covered 12 Advance processures covered upto 50% of SI AYUSH coverage Life-long renewability Tax Deduction: Under Sec 80D |
Covers In Utero Fetal Surgery/Repair Ante-Natal Care Assisted Reproduction (ART) Voluntary Sterilization Metabolic Screening Bariatric Surgery Pediatrician Consultations & miscarriage due to Accident; Unlimited Gynecologist Consultation through Star tele health app is available |
| OPD Details (In some policies, OPD (Out patient department) expenses are also covered.) |
Not covered | Only available for Female Insured Person Upto Rs. 2500/- |
| EMI Option | no | no |
| Pre-acceptance Medical Check Up (Whether a pre-acceptance check up is required or not to buy the policy) |
Not Required | Not Applicable |
|
Room Rent (A limit of room rent cover during hospitalization if any) |
up to 2% of the Sum insured subject to maximum of Rs.5000/- per day | Rs 10000/-per day |
| Domicillary Hospitalization (It is the expenses incurred on treatment of the patient at home) |
Not covered | Not Available |
| Pre-hospitalization (Expenses before the insured is hospitalized) |
30 days | 60 Days |
| Post-hospitalization (Expenses after discharge from the hospital) |
60 Days | 90 Days |
| Non-allopathic (Expenses incurred on non-allopathic treatment) |
Covered | Covered upto 10L |
| Day Care Treatment Covered (Day care treatments refers to the treatments that do not necessarily require 24hrs of hospitalization like MRI.) |
Covered | All day care treatment Covered upto 10L |
| Hospital_network (Number of Hospital Network in city) |
||
| Organ Donor Expenses (Expenses incurred on organ donor in case of organ transplants) |
Not covered | Covered up to SI, Add’l 100% SI is available for the Donor in case of Redo Surgery / ICU admission |
|
Hospital Daily Allowance (Some plans offer daily allowance to take care of expenses like food, etc) |
Not covered | Not Available |
| Pre-existing Coverage (If the insured is having some existing diseases, that would be covered after particular time period) |
After 4 year | After 2 years |
| Cumulative Bonus (The amount by which your sum assured gets increased, if there is no claim.) |
Rs 0.25L per year upto Rs 2.5L | Rs 2L of the Sum Insured upto Rs 10L |
| Restoration Details (Increase of Sum Insured for non-related illness if the original sum insured is exhausted) |
Not Applicable | 100% |
| Ambulance Charges (Expenses incurred on ambulance charges) |
Rs.2000/- per hospitalisation | Yes |
| Worldwide Emergency (The emergency medical assistance and cover against medical expenses while the customer is abroad) |
Not Covered | Not Available |
|
Maternity Benefits (All Hospitalization cost covered at the time of pregnancy.) |
Not Covered | Rs 50000/- |
| New Born Baby Covered (Newborn babies can be covered under the insurance plan after a certain period) |
NA | Rs 250000/- |
| Health Checkup (An added benefit of one time full health checkup of policy holder.) |
Not covered | Available every policy year (irrespective of claim) from Rs. 1000-5000/ per insured person |
| Non-allopathic Details (Expenses incurred on non-allopathic treatment) |
yes | yes |
| Vaccination (Cover againts any medical expenses occurred in Vaccinations for certain diseases) |
Not covered | Yes |
| Animal Bite (Cover againts any medical expenses occurred due to any Animal Bite) |
Not covered | Not Available |
|
Sub Limit (Sub-limit is a monetary capping that applies on specific diseases like cataract) |
Applicable | Not Applicable |
| Co-pay (Mentioned %, if any is to be borne by Insured and rest will be borne by insurer) |
5% on all admissible claim | You pay 0% of claim |
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