Sum insured |
You can choose a sum insured between from Rs. 50,000 to Rs. 10 Lakhs. |
Here, you can opt for a sum insured between Rs. 50,000 to 1 Crore, and even more. |
Room rent limit |
The room rent limit under this plan is 2% of the basic sum insured with a maximum of Rs. 5,000 per day. |
The room rent limit applicable under comprehensive plans may vary across insurers. |
ICU costs |
ICU charges of up to 5% of the sum insured or Rs. 10,000 per day, whichever is lesser, are covered. |
The coverage limit for ICU expenses may vary across insurers. It is generally a certain % of the sum insured. |
Restoration benefit |
The restoration benefit feature is not available with the Arogya Sanjeevani plan. |
This feature is included by default in certain policies, while it is an optional feature in others. |
No claim bonus |
A maximum No Claim Bonus of up to 50% of the sum insured can be accumulated under the policy. |
In some policies, you can accumulate a No Claim Bonus of up to 100% of the sum insured or more. |
Free health check-up benefit |
Free health check-up benefit is not available under this plan. |
Free health check-up benefit is available with some comprehensive policies. |
Co-payment |
A mandatory co-pay of 5% is applicable under this policy. |
Co-pay is not mandatory under every policy. A Co-pay of 10% to 30% may be applicable for individuals above the age of 60 years. |
Pre-existing disease waiting period |
Pre-existing diseases are subject to a 4-year waiting period. |
The waiting period for pre-existing diseases can range between 2 to 4 years, depending on the insurer. |
Maternity expenses |
Maternity expenses are not covered. |
Some policies cover maternity costs. |
Cost |
The premiums of Arogya Sanjeevani are relatively less than comprehensive plans. Also, the premiums remain the same across zones. |
The premiums are comparatively higher. The premium amount may depend on the sum insured you opt for and the zone you reside in. |