Aarogya Sanjeevani Policy
Is anyone with critical illnesses like cardiac bypass, tuberculosis, epilepsy, cancer etc. eligible to be covered under Aarogya Sanjeevani Policy?
Jignesh, Arogya Sanjeevani is like a regular policy with standard policy wording what it means is that all the insurers have to have offered it with the same policy wording prescribed by IRDAI (except Oriental and Bajaj Allianz - do not know how they are offering sum insured greater than 10 lac ) and also with the same sub-limits but they underwrite on their own risk means they have to pay from there money pool so I do not think a person with critically ill or had a critical illness can be covered under this policy.
Arogya Sanjeevani is NOT the last resort policy that it will offer to anyone, Insurer will assess the risk before covering it
you can look for disease-specific policies like
Star cancer care
Star health cardiac care
Aditya Birla Activ Secure- Cancer Secure
But generally, if you ask for comprehensive insurance I do not think any insurer will offer the policy
Aarogya Sanjeevani is like any other health insurance, just with standardized terms and conditions.
A lot would depend on the actual case - for instance, when did this serious illness occur. is it cured right now or not?
We have seen mainstream plans approving customers with such serious illnesses, and otherwise.
The Aarogya Sanjeevani Policy is a standard health insurance policy introduced by the Insurance Regulatory and Development Authority of India (IRDAI). It is designed to provide basic health insurance coverage at an affordable price and is available to individuals, families, and groups.
That also means that some Aarogya Sanjeevani policies may exclude or limit coverage for certain pre-existing medical conditions, such as critical illnesses like cardiac bypass, tuberculosis, epilepsy, and cancer. This means that individuals with these conditions may not be eligible for coverage or may only be covered under certain circumstances, such as if the condition is in remission. If you have a pre-existing medical condition, consider discussing your coverage options with the insurance company or broker. In some cases, you might have the ability to purchase a rider (add-on coverage) to provide additional protection for specific conditions.
Therefore, if you have specific medical needs or seek more extensive coverage, you may want to consider purchasing a different type of health insurance policy.