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Arogya Pragati Plus Top Up Reinvented
Health Insurance Policy
Arogya Pragati Plus Top Up Reinvented
Arogya Pragati Plus – Top Up Reinvented policy covers hospitalization expenses once it crosses the threshold limit. The threshold limit can be met by a health insurance policy or by self-funding also. However, it is not mandatory to have a base policy to buy an Arogya Pragati Plus – Top Up Reinvented Policy. This policy offers protection in excess of any primary health policy/benefit scheme that the insured may have.
The policy can be issued on an individual or floater sum insured basis covering up to 6 members of the family with an age of entry: Proposer: 18 to 65 years and for other members: 3 months to 65 years.
For a threshold limit from 5 to 15 Lakhs, Sum Insured from 1 to 50 Lakhs is available, and for a threshold limit from 16 to 50 Lakhs, Sum Insured from 5 to 50 Lakhs is available. The insured can choose a sum insured maximum of up to 4 times the threshold.
Highlights of the Arogya Pragati Plus – Top up Reinvented:
| Description of benefits | Gold Plan | Platinum Plan |
|---|---|---|
| Room rent | 1% of the Sum Insured (or) | Single AC Room |
| Rs. 15,000, whichever is less | ||
| ICU charges | 2% of the Sum Insured (or) | Actuals |
| Rs. 25,000, whichever is less | ||
| Pre-hospitalization expenses | 30 days | 60 days |
| Post-hospitalization expenses | 60 days | 90 days. |
| Cataract surgery | Upto Rs.50,000 per eye | Up to Rs. 1,00,000 per eye |
| Modern Treatments | As per the limits mentioned in | Up to 100% of the sum insured |
| 3.10 of the Policy Clause | ||
| Medical second opinion for | Up to Rs.2500 in a Policy Period | Up to Rs.5000 in a Policy Period |
| Critical illnesses | ||
| Road Ambulance | Actuals | Actuals |
| AYUSH Treatment | Up to 100% of the sum insured | Up to 100% of the sum insured |
| Air ambulance | Not available | Actuals once in a policy period. |
| Non-Medical items | Not Available | Inbuilt cover upto Rs.25000 |
| (consumables) | ||
| Benefits under optional covers (on payment of additional premium) | ||
| Critical Care benefit | Rs.5,00,000 | Rs.5,00,000 or Rs. 7,50,000 |
| Personal Accident benefit | 50% of sum insured | |
The Policy can be issued for terms of 1 or 2 or 3 years. Age-wise, a premium is charged for the chosen threshold and sum insured. A 15% additional premium shall be applicable for the Platinum Plan. No pre-acceptance medical examination is required up to an age of 55 years.
| Discount Name | Discount % |
|---|---|
| Loyalty Discount | 5 |
| Floater Discount | 5%, 10%, and 15% discounts are applicable for 2, 3, and more than 3 members respectively. |
| Digital discount | 10 |
| Staff Discount | 10 |
Note: Digital and staff discounts cannot be clubbed together.
For detailed information about the product, kindly refer to policy documents.
UIN number: NIAHLIP25035V022425
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