FAQ's on Standard Health Product Arogya Sanjeevani Product

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FTL stack trace ("~" means nesting-related):
	- Failed at: #include "${templatesPath}/NAVIGATION...  [in template "37301#37343#600896" at line 4, column 1]
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1<div class="row responsive"> 
2                    <div class="col-lg-12 pb-4 side-nav  print-exclude desktop-left-nav"> 
3                     <p class="back pt-3"><a href="javascript:history.go(-1);"><img src="/o/irdai-theme/images/svg/icons/back-cta-chevron.svg" alt="back" title="back"> Back</a></p> 
4<#include "${templatesPath}/NAVIGATION-MACRO-FTL" /> 
5 
6<#if !entries?has_content> 
7	<#if themeDisplay.isSignedIn()> 
8		<div class="alert alert-info"> 
9			<@liferay.language key="there-are-no-menu-items-to-display" /> 
10		</div> 
11	</#if> 
12<#else> 
13	<#assign 
14		portletDisplay = themeDisplay.getPortletDisplay() 
15 
16		navbarId = "navbar_" + portletDisplay.getId() 
17	/> 
18 
19	<div id="${navbarId}"> 
20		<div aria-label="<@liferay.language key='site-pages' />" class="nav navbar-nav navbar-site claim-menu-list show" role="menubar"> 
21			<#assign navItems = entries /> 
22			 
23 
24 
25			<#list navItems as navItem> 
26				<#assign showChildrenNavItems = (displayDepth != 1) && navItem.hasBrowsableChildren() /> 
27 
28				<#if navItem.isBrowsable() || showChildrenNavItems> 
29					<#assign 
30						nav_item_attr_has_popup = "" 
31						nav_item_caret = "" 
32						nav_item_css_class = "lfr-nav-item nav-item" 
33						nav_item_href_link = "" 
34						nav_item_link_css_class = "nav-link text-truncate" 
35					/> 
36 
37					<#if showChildrenNavItems> 
38						<#assign nav_item_attr_has_popup = "aria-haspopup='true'" /> 
39						<#assign nav_item_caret> 
40							<span class="lfr-nav-child-toggle px-1 ml-auto"> 
41								<@clay["icon"] symbol="angle-right" /> 
42							</span> 
43						</#assign> 
44						<#assign 
45							nav_item_css_class = "${nav_item_css_class} dropdown" 
46							nav_item_link_css_class = "${nav_item_link_css_class} dropdown-toggle" 
47						/> 
48					</#if> 
49 
50					<#if navItem.isBrowsable()> 
51						<#assign nav_item_href_link = "href='${navItem.getURL()}'" /> 
52					</#if> 
53 
54					<#if navItem.isChildSelected() || navItem.isSelected()> 
55						<#assign 
56							nav_item_css_class = "${nav_item_css_class} selected active" 
57						/> 
58					</#if> 
59 
60					<p class="${nav_item_css_class} text-wrap" id="layout_${portletDisplay.getId()}_${navItem.getLayoutId()}" role="presentation"> 
61						<a aria-labelledby="layout_${portletDisplay.getId()}_${navItem.getLayoutId()}" ${nav_item_attr_has_popup} ${nav_item_href_link} ${navItem.getTarget()} role="menuitem" class="text-truncate"> 
62							<span class="text-truncate"><@liferay_theme["layout-icon"] layout=navItem.getLayout() /> ${navItem.getName()} </span> 
63						</a> 
64						${nav_item_caret} 
65</p> 
66						<#if showChildrenNavItems> 
67					 
68							<ul class="claim-list"> 
69								<@buildChildrenNavItems2 
70									displayDepth=displayDepth 
71									navItem=navItem 
72								/> 
73								 
74							</ul> 
75						</#if> 
76					 
77					 
78				</#if> 
79			</#list> 
80			 
81		        
82                  
83			 
84		</div> 
85	</div> 
86	 
87	<#macro buildChildrenNavItems2 
88    	displayDepth 
89    	navItem 
90    	navItemLevel = 2 
91    > 
92    	<#assign 
93    		portletDisplay = themeDisplay.getPortletDisplay() 
94    	/> 
95     
96    	<#list navItem.getChildren() as childNavigationItem> 
97    		<#assign 
98    			nav_child_css_class = "" 
99    			nav_item_caret = "" 
100    			sub_menu_heading_css_class = "" 
101    		/> 
102     
103    		<#if childNavigationItem.isChildSelected() || childNavigationItem.isSelected()> 
104    			<#assign 
105    				nav_child_css_class = "active selected" 
106    			/> 
107    		</#if> 
108    		 
109    		<#if childNavigationItem.hasBrowsableChildren() && ((displayDepth == 0) || (navItemLevel < displayDepth))> 
110    		 
111    		<#assign nav_item_caret> 
112							<span <span class="lfr-nav-child-toggle px-1 ml-auto float-right"> 
113								<@clay["icon"] symbol="angle-right" /> 
114							</span> 
115						</#assign> 
116    			 
117    		</#if> 
118     
119    		<li class="${nav_child_css_class} text-wrap" id="layout_${portletDisplay.getId()}_${childNavigationItem.getLayoutId()}" role="presentation"> 
120    			<#if childNavigationItem.isBrowsable()> 
121    				<a aria-labelledby="layout_${portletDisplay.getId()}_${childNavigationItem.getLayoutId()}" href="${childNavigationItem.getURL()}" ${childNavigationItem.getTarget()} role="menuitem"> ${childNavigationItem.getName()} 
122    					  
123    				</a> 
124					${nav_item_caret} 
125    			<#else> 
126    				<a href="javascript:void(0)"> ${childNavigationItem.getName()}</a> 
127    			</#if> 
128    			</li> 
129    			<#if childNavigationItem.hasBrowsableChildren() && ((displayDepth == 0) || (navItemLevel < displayDepth))> 
130	    			<ul class="claim-list"> 
131	    				<@buildChildrenNavItems2 
132	    					displayDepth=displayDepth 
133	    					navItem=childNavigationItem 
134	    					navItemLevel=(navItemLevel + 1) 
135	    				/> 
136	    			</ul> 
137	    		</#if> 
138    		 
139    	</#list> 
140    </#macro> 
141	 
142 
143 
144	<@liferay_aui.script use="liferay-navigation-interaction"> 
145		var navigation = A.one('#${navbarId}'); 
146 
147		Liferay.Data.NAV_INTERACTION_LIST_SELECTOR = '.navbar-site'; 
148		Liferay.Data.NAV_LIST_SELECTOR = '.navbar-site'; 
149 
150		if (navigation) { 
151			navigation.plug(Liferay.NavigationInteraction); 
152		} 
153	</@> 
154</#if> 
155 </div> 
156  </div> 
157   
158  <div class="row responsive"> 
159   <div class="col-lg-12 side-nav  print-exclude mobile-left-nav"> 
160<#include "${templatesPath}/NAVIGATION-MACRO-FTL" /> 
161 
162<#if !entries?has_content> 
163	<#if themeDisplay.isSignedIn()> 
164		<div class="alert alert-info"> 
165			<@liferay.language key="there-are-no-menu-items-to-display" /> 
166		</div> 
167	</#if> 
168<#else> 
169	<#assign 
170		portletDisplay = themeDisplay.getPortletDisplay() 
171 
172		navbarId = "navbar_" + portletDisplay.getId() 
173	/> 
174 
175	<div id="${navbarId}"> 
176		 
177		 
178<div class="dropdown mobile-left-nav"> 
179<button class="btn btn-default dropdown-toggle w-100 text-left" type="button" data-toggle="dropdown"><span class="fa fa-bars mr-2"></span>Select Menu 
180    </button> 
181	 <ul class="dropdown-menu"> 
182	 
183			<#assign navItems = entries /> 
184			<#list navItems as navItem> 
185				<#assign showChildrenNavItems = (displayDepth != 1) && navItem.hasBrowsableChildren() /> 
186 
187				<#if navItem.isBrowsable() || showChildrenNavItems> 
188					<#assign 
189						nav_item_attr_has_popup = "" 
190						nav_item_caret = "" 
191						nav_item_css_class = "lfr-nav-item nav-item" 
192						nav_item_href_link = "" 
193						nav_item_link_css_class = "nav-link" 
194						tes="" 
195					/> 
196 
197					<#if showChildrenNavItems> 
198						<#assign nav_item_attr_has_popup = "aria-haspopup='true'" /> 
199						<#assign nav_item_caret> 
200							<span class="lfr-nav-child-toggle px-1 ml-auto"> 
201								<@clay["icon"] symbol="angle-down" /> 
202							</span> 
203						</#assign> 
204						<#assign 
205							nav_item_css_class = "${nav_item_css_class} dropdown" 
206							nav_item_link_css_class = "${nav_item_link_css_class} dropdown-toggle" 
207						/> 
208					</#if> 
209 
210					<#if navItem.isBrowsable()> 
211						<#assign nav_item_href_link = "href='${navItem.getURL()}'" /> 
212					</#if> 
213 
214					<#if navItem.isChildSelected() || navItem.isSelected()> 
215						<#assign 
216							nav_item_css_class = "${nav_item_css_class} selected active" 
217							 
218						/> 
219					</#if> 
220                    <#if showChildrenNavItems> 
221					     <#assign nav_item_link_css_class="dropdown-submenu"  
222						 test="test"/> 
223					</#if> 
224					 <li class="${nav_item_link_css_class}"> 
225						<a tabindex="-1"  ${nav_item_href_link} ${navItem.getTarget()} class=" " > 
226							<span class="text-truncate" title="${navItem.getName()}"><@liferay_theme["layout-icon"] layout=navItem.getLayout() /> ${navItem.getName()}</span> 
227							 
228						</a> 
229						${nav_item_caret} 
230							<#if showChildrenNavItems> 
231							 
232                              <ul class="dropdown-menu"> 
233                            	<@buildChildrenNavItems 
234									displayDepth=displayDepth 
235									navItem=navItem 
236								/> 
237                              </ul>	 
238                            						   
239					        </#if> 
240					 </li> 
241					 
242					 
243				</#if> 
244			</#list> 
245		</ul>	 
246	</div> 
247 
248	<#macro buildChildrenNavItems 
249    	displayDepth 
250    	navItem 
251    	navItemLevel = 2 
252    > 
253	<#assign 
254    		portletDisplay = themeDisplay.getPortletDisplay() 
255    	/> 
256		<#list navItem.getChildren() as childNavigationItem> 
257    		<#assign 
258    			nav_child_css_class = "" 
259    			nav_item_caret = "" 
260    			sub_menu_heading_css_class = "" 
261    		/> 
262     
263    		<#if childNavigationItem.isChildSelected() || childNavigationItem.isSelected()> 
264    			<#assign 
265    				nav_child_css_class = "active selected" 
266    			/> 
267    		</#if> 
268    		 
269    		<#if childNavigationItem.hasBrowsableChildren() && ((displayDepth == 0) || (navItemLevel < displayDepth))> 
270    			<#assign 
271    				nav_item_caret = '<i class="fas fa-chevron-right"></i>' 
272    				sub_menu_heading_css_class = "" 
273    			/> 
274    			 
275    		</#if> 
276     
277    		<li class="${nav_child_css_class}" id="layout_${portletDisplay.getId()}_${childNavigationItem.getLayoutId()}" role="presentation"> 
278    			<#if childNavigationItem.isBrowsable()> 
279    				<a aria-labelledby="layout_${portletDisplay.getId()}_${childNavigationItem.getLayoutId()}" class=" dropdown-item ${sub_menu_heading_css_class} " href="${childNavigationItem.getURL()}" ${childNavigationItem.getTarget()} role="menuitem"> ${childNavigationItem.getName()} 
280    					 
281    				</a> 
282					<span class="dropdown-toggle" data-toggle="dropdown"> 
283					${nav_item_caret} 
284					</span> 
285    			<#else> 
286    				<span class="dropdown-item font-weight-semi-bold navigation-menu__submenu">${childNavigationItem.getName()}</span> 
287    			</#if> 
288    			 
289    			<#if childNavigationItem.hasBrowsableChildren() && ((displayDepth == 0) || (navItemLevel < displayDepth))> 
290	    			<ul class="dropdown-menu submenu"> 
291	    				<@buildChildrenNavItems 
292	    					displayDepth=displayDepth 
293	    					navItem=childNavigationItem 
294	    					navItemLevel=(navItemLevel + 1) 
295	    				/> 
296	    			</ul> 
297	    		</#if> 
298    		</li> 
299    	</#list> 
300	 
301	  </#macro> 
302 
303 
304	<@liferay_aui.script use="liferay-navigation-interaction"> 
305		var navigation = A.one('#${navbarId}'); 
306 
307		Liferay.Data.NAV_INTERACTION_LIST_SELECTOR = '.navbar-site'; 
308		Liferay.Data.NAV_LIST_SELECTOR = '.navbar-site'; 
309 
310		if (navigation) { 
311			navigation.plug(Liferay.NavigationInteraction); 
312		} 
313	</@> 
314</#if> 
315 </div> 
316  </div> 
317   
318   
319   
320  <style> 
321  @media (max-width: 768px) { 
322      .desktop-left-nav { 
323          display: none; 
324      } 
325      .mobile-left-nav { 
326          display: block; 
327      } 
328      .mobile-left-nav ul.dropdown-menu.show { 
329          position: relative !important; 
330          max-width: 100% !important; 
331          width: 100% !important; 
332          transform: translate3d(0px, 0px, 0px) !important; 
333      } 
334	  .mobile-left-nav ul.dropdown-menu.show > li > a { 
335	  width: 94%; 
336    float: left; 
337	  } 
338	  .mobile-left-nav ul.dropdown-menu.show > li { 
339	  clear: both; 
340	  } 
341	  .mobile-left-nav ul.dropdown-menu.show li > ul > li::before{ 
342	  content: ""; 
343    width: 8px; 
344    height: 8px; 
345    background: #95b2c5; 
346    border-radius: 3px; 
347    display: block; 
348    position: relative; 
349    top: 22px; 
350	} 
351	   
352  } 
353   
354  @media (min-width: 768px) { 
355      .desktop-left-nav { 
356          display: block; 
357      } 
358      .mobile-left-nav { 
359          display: none; 
360      } 
361  } 
362    .caret { 
363        width: 0; 
364        height: 0; 
365        display: inline-block; 
366        border: 10px solid transparent; 
367    } 
368    .caret.down{ 
369        border-top-color: black; 
370    } 
371	.mobile-left-nav li.dropdown-submenu > ul { 
372   display: block; 
373    position: relative; 
374    border: none; 
375    box-shadow: none; 
376    padding-left: 40px; 
377    background: #fbfbfb; 
378    width: 100%; 
379    max-width: 100%; 
380    padding-top: 0; 
381    max-height: max-content; 
382 } 
383  
384 .mobile-left-nav li a span.text-truncate { 
385 max-width: 80%; 
386    float: left; 
387 } 
388 .mobile-left-nav li { 
389 padding-top: 0; 
390 padding-bottom: 0;} 
391  </style> 

FAQs

All the General and Standalone Health insurers are mandated to offer Standard Individual Health Insurance Product “Arogya Sanjeevani Policy”. However, if any insurer is currently not offering indemnity based health insurance products at all, the above stipulation will not apply to such insurers.

As on date, “Arogya Sanjeevani policy” is being offered by 30 general and standalone Health insurers.

Minimum entry age is 18 years and maximum age at entry is 65 years. Dependent Child / children will be covered from the age of 3 months to 25 years

Yes. “Arogya Sanjeevani Policy” is available on individual as well as family floater basis. Family consists of the proposer and any one or more of the family members as mentioned below:
(i) Legally wedded spouse.
(ii) Parents and Parents-in-law.
(iii) Dependent Children (i.e. natural or legally adopted) between the ages 3 months to 25 years. If the child above 18 years of age is financially independent, he or she shall be ineligible for coverage in the subsequent renewals

The policy period of “Arogya Sanjeevani Policy” is one year. Policy is subject to lifelong renewability.

Arogya Sanjeevani Policy offers room rent coverage to up to 2% of the Sum insured subject to maximum of Rs.5000/- per day.

Intensive Care Unit (ICU) / Intensive Cardiac Care Unit (ICCU) expenses are covered up to 5% of sum insured subject to maximum of Rs.10, 000/- per day

In case Room/ICU/ICCU rent exceeds the limits specified, the claim shall be subject to the proportionate deduction.

a) Anesthesia, blood, oxygen, operation theatre charges, surgical appliances, medicines and drugs, costs towards diagnostics, diagnostic imaging modalities, and such other similar expenses.
b) Surgeon, Anesthetist, Medical Practitioner, Consultants, Specialist Fees whether paid directly to the treating doctor / surgeon or to the hospital.

Yes. Coverage is available for treatment of Cataract. However, expenses incurred on treatment of cataract are covered up to 25% of Sum insured or Rs.40, 000/- whichever is lower.

Expenses incurred on Dental treatment necessitated due to disease or injury is covered.

Expenses incurred on Plastic surgery necessitated due to disease or injury, are covered

All the day care treatments are covered in Arogya Sanjeevani Policy. Day Care Treatment means medical treatment, and/or surgical procedure which are:
i. undertaken under general or local anesthesia in a Hospital/Day Care Centre in less than twenty four hours because of technological advancement, and
ii. which would have otherwise required a hospitalisation of more than twenty four hours.
Treatment taken on an out-patient basis is not included in the scope of this definition.

Yes. Expense incurred on ambulance services is available subject to a maximum of Rs.2000/- per hospitalization.

Yes. Pre-Hospitalisation medical expenses incurred for a period of 30 days prior to the date of hospitalisation are covered.

Yes. Post Hospitalisation medical expenses incurred for a period of 60 days from the date of discharge from the hospital are covered.

Yes. Expenses incurred on hospitalisation under AYUSH systems of medicine will be covered

i. Room Charges(Hospitalization):
  a. Room Rent - Up to 2% of SI, subject to max of INR 5,000 per day
  b. ICU charges - Up to 5% of SI subject to max of INR 10,000 per day.
ii. Treatment costs towards cataract operation are allowed only up to 25% of sum insured or Rs 40000/= whichever is lower.
iii. Modern treatment methods and Advancements in technology: Up to 50% of the Sum insured.
iv. Each and every claim under the Policy shall be subject to a Copayment of 5% applicable to claim amount admissible and payable as per the terms and conditions of the Policy

The minimum sum insured available is Rs. One Lakh and maximum limit is Rs. Five Lakh. The policyholder may choose any Sum Insured within these limits in the multiples of fifty thousand.

Yes. Sum insured (excluding CB) will be increased by 5% in respect of each claim free policy year, provided the policy is renewed without a break subject to maximum of 50% of the sum insured. If a claim is made in any particular year, the cumulative bonus accrued will be reduced at the same rate at which it has accrued.

Cumulative Bonus means any increase or addition in the Sum Insured granted by the insurer without associated increase in premium. The following is the illustration of working of Cumulative Bonus:

If Mr. A has bought a health insurance plan with sum insured Rs. One Lakh and he did not register any claim in the first policy year; at the time of renewal he will get a cumulative bonus of 5%. Thus, his total sum insured for next year will be Rs. 1,05,000/-(Rs. One Lakh Base Sum Insured + Rs Five Thousand Cumulative Bonus). Similarly, in the second year if he does not register a claim, he gets a cumulative bonus of 5% so that the Sum Insured will get increased to Rs1,10,000/-. This bonus can go up to 50% of sum insured; that is Mr. A can get a Sum Insured of 1,50,000/- if he does not make any claim for ten years.

 

A policyholder can pay premium on Yearly, Half-yearly, Quarterly and Monthly basis.

For Yearly payment of mode, a fixed period of 30 days is allowed as Grace Period and for all other modes of payment a fixed period of 15 days is allowed as Grace Period

Complete details are available in IRDAI website www.irdai.gov.in at the following link :
(Click here).

You may approach any of the insurers listed above who are offering the product. The website of the insurers offering this product may be visited for further details. The policy wordings of all the Arogya Sanjeevani Policies offered by the insurers are placed in the website www.irdai.gov.in (Home>>Consumer Affairs>>Products offered>>Health Insurance Products>>2019-20 ).Direct link to the same is as follows: Click here