Arogya Sanjeevini vs Lifetime Global with USA and CA Health Insurance Plan
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| PLAN DETAILS |
 Arogya Sanjeevini |
 Lifetime Global with USA and CA |
| Premium Including GST | ||
| Sum Assured | 3L, 4L & 5L | 50L, 75L, 1Cr, 1.5Cr, 2Cr & 3Cr |
| Product Type | Reimbursement Hospitalization and Cashless | Individual and Family Floater |
| Key Features (Key features of the plan) |
Network of 12500+ hospitals AYUSH Treatment available for each policy year Road Ambulance facility available with Intensive Care Unit |
Robotic and Cyber Knife Surgery Modern and Advanced Treatments HIV/AIDS and STD Mental Care are covered upto sum insured. Upto 100% of SI restoration |
| OPD Details (In some policies, OPD (Out patient department) expenses are also covered.) |
Not Available | Not Applicable |
| EMI Option | no | no |
| Pre-acceptance Medical Check Up (Whether a pre-acceptance check up is required or not to buy the policy) |
Not Applicable | Not Applicable |
|
Room Rent (A limit of room rent cover during hospitalization if any) |
2% of the SA upto Rs 5000/- day | Any room except suite and above |
| Domicillary Hospitalization (It is the expenses incurred on treatment of the patient at home) |
Not Available | Up to Rs 10L |
| Pre-hospitalization (Expenses before the insured is hospitalized) |
30 Days | 60 Days |
| Post-hospitalization (Expenses after discharge from the hospital) |
60 Days | 180 Days |
| Non-allopathic (Expenses incurred on non-allopathic treatment) |
AYUSH treatment upto 5L | Covered upto 100L |
| Day Care Treatment Covered (Day care treatments refers to the treatments that do not necessarily require 24hrs of hospitalization like MRI.) |
All day care treatment covered | Upto Rs. 100L & All Day Care Treatments are covered |
| Hospital_network (Number of Hospital Network in city) |
||
| Organ Donor Expenses (Expenses incurred on organ donor in case of organ transplants) |
Not Applicable | Covered upto 100L |
|
Hospital Daily Allowance (Some plans offer daily allowance to take care of expenses like food, etc) |
no | Not Applicable |
| Pre-existing Coverage (If the insured is having some existing diseases, that would be covered after particular time period) |
After 4 years | After 2 year |
| Cumulative Bonus (The amount by which your sum assured gets increased, if there is no claim.) |
Rs 0.25L of the Sum Insured upto Rs 2.5L | Not Available |
| Restoration Details (Increase of Sum Insured for non-related illness if the original sum insured is exhausted) |
Not Applicable | Unlimited Times (On unrelated illness and on partial Exhaustion) |
| Ambulance Charges (Expenses incurred on ambulance charges) |
Upto INR 2000 per hospitalization | Covered upto 100L |
| Worldwide Emergency (The emergency medical assistance and cover against medical expenses while the customer is abroad) |
Not Applicable | Upto Rs. 100L |
|
Maternity Benefits (All Hospitalization cost covered at the time of pregnancy.) |
Not Covered | Not Covered |
| New Born Baby Covered (Newborn babies can be covered under the insurance plan after a certain period) |
No | no |
| Health Checkup (An added benefit of one time full health checkup of policy holder.) |
No | Once every year |
| Non-allopathic Details (Expenses incurred on non-allopathic treatment) |
yes | yes |
| Vaccination (Cover againts any medical expenses occurred in Vaccinations for certain diseases) |
No | Yes |
| Animal Bite (Cover againts any medical expenses occurred due to any Animal Bite) |
Not Applicable | Not Applicable |
|
Sub Limit (Sub-limit is a monetary capping that applies on specific diseases like cataract) |
Not Applicable | Not Applicable |
| Co-pay (Mentioned %, if any is to be borne by Insured and rest will be borne by insurer) |
You pay 5% of claim | Not Applicable |
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