Andhra bank health insurance policy
Andhra Bank Arogydaan Family Health Policy
In this article I am giving an account of Andhra Bank Arogyadaan Family health policy. Through this article, I am giving details about this health policy regarding how to join this policy, rules and regulation of the policy, what are the facilities you get through this policy, how you get benefited through this policy etc.
Health is the prime concern of every citizen of the present day World. We don’t face any problem till our body maintains good health. But once you start to face health problems, your family life becomes disrupted due to your increased financial needs. There are so many health policies in the market but Andhra Bank Arogydaan provides health insurance policy to its customers through United India Insurance Co.Ltd. with low yearly premium rates.
Andhra Bank Arogyadaan Family Health insurance Plan
This health insurance plan works for the entire family. This health policy has two plans. Plan A (Family size 1+3) works for 2 adults and two dependent children. Plan B (Family size 1+5)parents of the account holder also will be covered. Insurance coverage for both the plans starts from 1 Lakh to 5 Lakhs. There is a super top up option is also there where one can insure upto 15 lakhs.
If you opt for super top up policy, you can have an advantage of getting medical insurance cover beyond the thresh hold level chosen. Actually super top up premium rates are lower than the main policy.
Salient features of the policy
The policy provides cashless facility for treatment or reimbursement of hospitalization expenses for illness or diseases or injury. The limit of pay will be not exceeding the sum insured for the selected family in one insured period.
Hospitalization of minimum of 24 hour is admissible for payment. Expenses incurred 30 days prior to hospitalization on disease, injury or illness can be considered as a part of claim. But for certain specific treatments like eye surgery, Dialysis, Chemotherapy, Radiotherapy, Kidney stone removal etc. can be considered for payment even though stay in the hospital is less than 24 hours.
Hospitalization expenses include room rent, boarding expenses, nursing expenses, Surgeon, Anesthetist, Specialist and consultant expenses, operation theater charges, medicines, surgical appliances, blood, X-ray, Radiotherapy, Chemotherapy, Artificial limbs, cost of pacemaker, surgical appliances etc.,
For hospitalization, the policy holder can select any net-working hospitals or non-net working corporate hospitals.