Health Insurance is essential in financial planning, and the Arogya Sanjeevani Health Policy aims to provide comprehensive coverage for individuals and families. However, this policy is immune to myths and misconceptions like many Insurance products. So, here are some common myths surrounding the Arogya Sanjeevani Health Policy to help you make informed decisions about your health coverage:

Offers limited coverage

One common misconception is that the Arogya Sanjeevani Health Policy provides only basic coverage. The Arogya Sanjeevani Health Policy offers many benefits, including hospitalisation expenses, pre and post-hospitalization expenses, daycare treatments, and AYUSH treatments. While it follows a standardised format set by the Insurance Regulatory and Development Authority of India, it ensures comprehensive coverage for various medical expenses.

Meant only for individuals

Some believe that the Arogya Sanjeevani Health Policy is designed only for individuals and unsuitable for families. This is untrue. The policy caters to both individual and family Health Insurance needs. It lets you include family members under a single policy, providing coverage for the entire household. This family floater option simplifies the management of Health Insurance and ensures that your loved ones are protected.

Does not cover pre-existing conditions

There is a misconception that pre-existing medical conditions are not covered in the policy. However, the policy does cover pre-existing diseases after a waiting period. This waiting period is typically 48 months, after which pre-existing conditions are included in the coverage. For transparency, you need to understand the waiting period and disclose any pre-existing conditions at the time of policy application.

Involves high premiums

Some individuals believe that affordable Health Insurance policies like Arogya Sanjeevani compromise on coverage due to low premiums. This policy is designed to be affordable while offering comprehensive coverage. Premiums are determined based on age, sum insured, and geographical location. Comparing premiums from different insurers and understanding the coverage provided is essential to balancing affordability and comprehensive protection.

Does not cover out-of-hospital expenses

There is a misconception that Arogya Sanjeevani only covers expenses related to hospitalisation and does not extend coverage to out-of-hospital medical expenses. This is inaccurate. The policy includes coverage for pre-hospitalisation and post-hospitalisation expenses, ensuring that medical costs that occurred before and after hospitalisation are covered. It also covers daycare treatments, allowing for coverage of specific medical procedures that do not require overnight hospital stays.

Conclusion

Debunking these myths about the Arogya Sanjeevani Health Policy and understanding the features of the policy in depth highlights its comprehensive nature and erases misconceptions that may confuse individuals from considering it a viable Health Insurance option.

Whenever you decide to choose Health Insurance, it is of utmost importance to read the policy documents and guidelines carefully, understand the coverages offered, and consult Insurance professionals to make informed decisions that match your healthcare needs and financial considerations.