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FAQs

Arogya Plus

  • Q1. What is Arogya Plus insurance?

  • Arogya Plus is a health insurance plan which provides coverage on Indemnity basis up to specified sum insured at a flat premium.
    Flat premium is irrespective of age of insured and family combination.

  • Q2. What is age eligibility for Arogya Plus?

    • The minimum entry age for Arogya Plus is 3 months.
    • The maximum entry age for Arogya Plus is 65 years.
  • Q3. What are the policy options available under Arogya Plus policy?

  • Arogya Plus is available on Individual basis, Family Non-floater and Family Floater sum insured basis.

  • Q4. What is the family definition allowed under Arogya Plus?

  • For Family Non-floater policy: Family means Self, Spouse, dependent children, Parents and Parents in law.
    For Family Floater policy: Family means Self, Spouse and maximum two children.

  • Q5. What are the Sum insured options available under Arogya Plus?

  • The Sum insured options available under Arogya Plus are Rs. 1 Lakh, Rs. 2 Lakh and Rs. 3 Lakhs.

  • Q6. What are the tenure options available under Arogya Plus?

  • The Policy tenure available under Arogya Plus is 1 year, 2 years and 3 years.

  • Q7. Are Pre-hospitalization and Post Hospitalization expenses covered under Arogya Plus?

  • Yes, prehospitalization expenses are covered 60 days prior to hospitalization and, post hospitalization expenses are covered up to 90 days post discharge from hospital.

  • Q8. Are Pre-policy medical tests applicable for purchase of Arogya Plus policy?

  • Yes, Pre-policy medical tests are applicable for insureds whose age is >55 years of age. Where the proposed insured person(s) is/are suffering from an existing medical condition

  • Q9. Are there any waiting periods applicable under under Arogya Plus?

  • Yes, below waiting periods will be applicable in Arogya Plus policy.

    • Initial waiting period: 30 days for all illnesses (not applicable on renewal or for accidents)
    • Listed specific illnesses - One year and 90 days.
    • Pre-existing diseases: 48 months
  • Q10. Are there any sub-limits for coverages under Arogya Plus policy?

  • The below sub-limits are applicable under Arogya Plus policy:

    • Listed conditions under Mental illness are restricted to Sum insured Rs. 50,000.
    • Internal congenital diseases covered up to 10% of Sum insured.
    • Listed 12 Advance treatment procedures covered up to 50% of Sum insured.
    • Genetic Disorders covered up to Rs. 50,000.
  • Q11. What is the maximum renewal age under Arogya Plus policy?

  • The policy can be renewed lifelong subject to terms and conditions

  • Q12. Can I avail tax benefits for Arogya Plus health insurance policy under Sec. 80D of the Income Tax Act?

  • Yes, premium paid for Arogya Plus is available for tax rebate under Sec. 80D of the Income Tax Act.

  • Q13. Can I avail any discount on purchase of Arogya Plus policy?

  • Yes, below discount are available in Arogya Plus policy:

    • 5% is available for coverage of 2 members in a single policy on Non-floater basis
    • 7.5% is available for coverage of more than 2 member in a single policy on Non- floater basis.
  • Q14. Is any long-term discount available in Arogya Plus policy?

  • Yes, below discount are available in Arogya Plus policy on long term basis:

    • For 2 years policy: 5% discount
    • For 3 years policy term: 7.5% discount
  • Q15. What is covered under Alternative treatment under Arogya plus Policy?

  • Treatment taken under Ayurveda, Unani, Siddha and Homeopathy system of medicine in the Indian context is covered under Alternative treatment provided the same is availed at a government hospital or in any institute recognized by government and/or accredited by quality council of India/national accreditation board on health.