Difference Between Arogya Sanjeevani and Family Health Insurance

by Jonks D. Digital Marketer

There are many types of health insurance plans available in the market. It can be confusing to decide which plan is right for you and your family. This blog post will discuss the difference between Arogya Sanjeevani and family health insurance plans.

Let's get started.

An Overview of Arogya Sanjeevani Policy

Arogya Sanjeevani is a health insurance policy that protects against financial risks arising from hospitalization. The key features of this policy are:

It covers hospitalization expenses, including room, boarding, nursing, and other charges.
It also covers pre and post-hospitalization expenses.
It has a sum insured of Rs. 5,00,000/-
The policy term is for one year and can be renewed yearly.

Benefits of Arogya Sanjeevani Policy

Cover for hospitalization expenses: The Arogya Sanjeevani Policy covers the policyholder for expenses related to hospitalization, including room charges, ICU charges, etc.

Pre and post-hospitalization expenses: The policy covers pre and post-hospitalization expenses such as diagnostic tests, medications, etc.

Daycare treatment: The policy covers daycare treatments that do not require 24 hours of hospitalization.

Ambulance charges: The policy also covers ambulance charges up to a certain limit.

An Overview of a Family Health Insurance Policy

A Family Health Insurance Policy is a health insurance policy that protects the entire family against financial risks arising out of hospitalization. Some of the key features of this policy are:

It offers a sum insured that any family member can use.
All family members are covered under a single health insurance policy.
The premium for this policy is paid only once and covers all family members.
It offers a sum insured ranging from Rs. 500,000 to Rs. 20 Lakhs. You can also renew medical insurance.

Benefits of Family Health Insurance Policy

Cashless hospitalization at over 6000 network hospitals across India.
No sub-limits on room rent, ICU charges, etc.
Policy term of up to three years.
Cover for pre and post-hospitalization expenses.
Covers daycare procedures which do not require 24 hours hospitalization.
Domiciliary hospitalization cover.
Coverage for organ donor expenses.

Arogya Sanjeevani Vs. Family Health Insurance

The main difference between Arogya Sanjeevani and family health insurance is that Arogya Sanjeevani offers a fixed set of benefits, while health insurance plans for family can be customized to offer greater coverage.

Arogya Sanjeevani is a health insurance plan designed by the Insurance Regulatory and Development Authority of India (IRDAI) for people aged 18-65 years. It offers a basic sum assured of Rs. 500,000 at an affordable premium.

On the other hand, family health insurance plans are flexible and can be customized according to the policyholder's needs. They offer a higher sum assured and cover more members of the family. However, they are also more expensive than Arogya Sanjeevani.

Thus, depending on your needs and budget, you can choose either an Arogya Sanjeevani policy or a family health insurance plan. Both have their own set of benefits and drawbacks, so make sure to compare them before making a decision.