- Imagine a working professional in Mumbai who already has a base health policy and a corporate health cover.
- A sudden medical emergency leads to surgery and a hospital stay.
- The final bill reaches ₹12 lakh.
- The base policy pays ₹5 lakh and the corporate policy pays ₹3 lakh.
- The remaining ₹4 lakh must be paid immediately by the family.
- This is why additional health protection is necessary.
- Arogya Pragati Plus Top Up Policy Cover from The New India Assurance Co. helps manage such high medical costs.
Why Middle-Class India Needs a Smarter Health Backup
- Healthcare costs in India are rising rapidly.
- Medical inflation is estimated at 13–14 percent annually.
- Typical medical expenses include:
- ICU charges between ₹25,000 and ₹50,000 per day
- Cancer treatments costing ₹20–50 lakh
- Cardiac surgeries costing ₹10–15 lakh
- Seasonal diseases like dengue increasing hospital bills
- Most insurance policies still offer only ₹5 lakh to ₹10 lakh coverage.
- Arogya Pragati Plus Top Up Cover bridges this gap.
What Is Arogya Pragati Plus Top Up Policy Cover?
- Arogya Pragati Plus is a top-up health insurance plan.
- It activates once hospital expenses cross a selected threshold amount.
- Expenses up to the threshold can be paid through the base policy or by the insured.
- In simple terms:
- Your base policy pays first.
- Once the threshold is crossed, the top-up policy covers the remaining expenses.
- This provides higher coverage at a lower premium.
- Learn more about Arogya Health Insurance.
Why Arogya Pragati Cover Makes Sense Today
- Hospital treatments often involve multiple procedures and longer recovery.
- Base policies can be exhausted quickly.
- Arogya Pragati Plus allows policyholders to:
- Select a threshold starting from ₹5 lakh
- Choose coverage up to ₹50 lakh
- Cover the entire family under a floater plan
- This ensures financial protection against major hospital bills.
How Arogya Pragati Plus Works
- Example scenario:
- Base health policy: ₹5 lakh
- Top-up threshold: ₹5 lakh
- Top-up sum insured: ₹20 lakh
- Total hospital bill: ₹18 lakh
- ₹5 lakh paid by base policy
- ₹13 lakh paid by Arogya Pragati Plus
- No out-of-pocket expense for the insured.
Gold Plan: Practical Protection
- The Gold plan provides strong protection for everyday families.
- Key features include:
- Room rent up to 1 percent of sum insured or ₹15,000 per day
- ICU charges up to 2 percent of sum insured or ₹25,000 per day
- Pre-hospitalisation expenses for 30 days
- Post-hospitalisation expenses for 60 days
- Cataract coverage up to ₹50,000 per eye
- AYUSH treatments covered up to full sum insured
- Road ambulance expenses covered at actual cost
Platinum Plan: Wider Protection
- The Platinum plan offers enhanced comfort and broader coverage.
- Additional benefits include:
- Single AC room without restrictive caps
- ICU expenses covered at actuals
- Pre-hospitalisation for 60 days
- Post-hospitalisation for 90 days
- Cataract coverage up to ₹1 lakh per eye
- Modern treatments covered up to 100 percent of sum insured
- Air ambulance cover once per policy period
- Coverage for non-medical consumables
- Critical care and personal accident benefits
- Learn more about Arogya Plus Policy.
Who Should Buy Arogya Pragati Plus Top Up Cover?
- Families seeking wider insurance protection at affordable premiums
- Employees relying on corporate health cover
- Parents supporting children and elderly dependents
- Young professionals wanting high coverage at lower cost
- Residents of metro or tier-1 cities
Easy Buying and Long-Term Security
- Policyholders can choose thresholds from ₹5 lakh to ₹50 lakh.
- Sum insured can be up to four times the threshold.
- Both individual and floater coverage options are available.
- Policy terms can be selected for one to three years.
- Lifelong renewability and tax benefits under Section 80D apply.
How It Fits Into the New India Assurance Health Ecosystem
- Arogya Sanjeevani for basic coverage
- Mediclaim policies for comprehensive protection
- Arogya Pragati Plus as a top-up protection layer
- Together, these policies create a strong health insurance safety net.
Why Choose New India Assurance
- Government-backed credibility
- Wide hospital network across India
- Transparent policy terms
- Reliable claim settlement record
- More than 100 years of insurance experience
Build Your Health Shield
- Smart families rely on layered insurance protection.
- A base health policy combined with a top-up policy ensures better financial security.
- Arogya Pragati Plus Top Up Cover protects savings during major medical emergencies.
Frequently Asked Questions
What is Arogya Pragati Cover?
- It is a top-up health insurance plan that activates after the base policy threshold is crossed.
How does Arogya health insurance help?
- It provides additional coverage at lower premiums by supplementing existing policies.
Is Arogya Pragati Plus suitable for families?
- Yes, it offers floater coverage for multiple family members.
What is the maximum sum insured available?
- Coverage is available up to ₹50 lakh depending on the selected threshold.
Are claims cashless?
- Yes, cashless treatment is available at network hospitals.
Is there an age limit?
- Entry age is 18–65 years for proposer and 3 months onwards for dependents.
Does it offer tax benefits?
- Yes, premiums qualify for deductions under Section 80D.
Can it work with corporate insurance?
- Yes, it complements employer-provided health insurance policies.
Why should I buy it now?
- Rising medical inflation makes additional health coverage essential.
