Note4Students
From UPSC perspective, the following things are important :
Prelims level: Arogya Sanjeevani Policy
Why in the News?
The “Arogya Sanjeevani Policy” serves as a reference point for choosing health insurance for hospitalisation.
About Arogya Sanjeevani Policy:
| Details | |
| Launch Date | April 2020 |
| Issued by | Insurance Regulatory and Development Authority of India (IRDAI) |
| Objective | To provide basic and affordable health insurance coverage to all citizens |
| Sum Insured | ₹1 lakh to ₹5 lakh per policy year |
| Coverage | Hospitalization, pre and post-hospitalization expenses, daycare procedures, AYUSH treatments, COVID-19 coverage |
| Pre-Existing Conditions | Coverage after 4 years of continuous policy renewal |
| Co-Payment | 5% co-payment on all claims |
| Premium | Varies based on age, sum insured, and insurer |
| Waiting Period | 30 days for new policies; 48 months for pre-existing diseases |
| Daycare Procedures | Covers over 50+ daycare treatments |
| Room Rent Limit | Up to 2% of the sum insured per day (maximum ₹5,000 per day) |
| ICU Room Rent | Up to 5% of the sum insured per day (maximum ₹10,000 per day) |
| AYUSH Treatments | Covers Ayurveda, Yoga, Naturopathy, Unani, Siddha, and Homeopathy treatments |
| Maternity Coverage | Not covered |
| Network Hospitals | Cashless facility in network hospitals |
| Eligibility | Individuals aged 18 to 65 years |
PYQ:[2019] Performance of welfare schemes that are implemented for vulnerable sections is not so effective due to the absence of their awareness and active involvement at all stages of the policy process – Discuss. |
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