AB Arogyadaan is a group health insurance plan presented by United India Insurance Company Limited and Andhra Bank. This insurance plan is precisely intended for the Andhra bank account owners. In this plan, there are two plans.
In Plan A, the account owners can shelter the instant family (Spouse, Self, as well as children)
And in Plan B policyholders can join both his/her parents together with their immediate family (Spouse, Self, as well as children).
One can as well purchase a Super top-up plan together with the base plan to increase the whole sum assured.
Nevertheless, there are a few Sub-limits indicated, which may limit the inclusive claim of the policy which the policyholder should widely be aware of.
Brief Detail About AB Arogyadaan:
It is a Floater Health Insurance plan to cover hospitalization costs acquired by the insurance policyholder as well as the rest of the policyholder’s family members according to the Scheme chosen by them.
AB Arogyadaan is presented by Andhra bank in collaboration with united India Insurance Co. Ltd. to its bank account owners.
Just like the other medical insurance plans being obtainable by public sector banks, the AB Arogyadaan as well as an inexpensive premium variety, with features relatively alike to the other existing medical plans in the insurance market in the present day.
The main fascination in this plan is that one can cover his/her parents together with the same plan. You may as well purchase the supplementary cover through the super top-up plan, to sort the entire cover satisfactorily for the family.
Let’s now know how AB Arogyadaan is useful to Andhra bank account owners. Health Insurance policies are one of the chief parts of any individual financial planning facility. A health insurance policy develops to be a base beforehand initial with Investments.
How to Get AB Arogyadaan:
You can get the AB Arogyadaan plan by following the simple steps provided for you below…
- First, download the application form as well as take a printout of both sides (front & back)
- (To get the form click here to DOWNLOAD APPLICATION)
- Now fill up the application form accurately
- After that, affix a photograph of you as well as each member of the family on the Original Application form
- Finally, handover the Application Form at your nearby Andhra bank branch together with the premium sum
Plan Options of AB Arogyadaan:
AB Arogyadaan delivers policyholder choices for 2 plans under their floater plan
- Plan -A &
- Plan – B
Plan – A:
This option offers coverage to the policyholder’s spouse as well as 2 dependent children (apart from the main Account Owner).
Plan – B:
This option delivers coverage to the prime Account Owner, spouse, 2 dependent children as well as Parents of the policyholder.
Insurance cover to the Dependent girl child shall mean, till the girl child is unemployed or unmarried.
And the dependent male child is restricted up to the age of 26 years or until he gets married or employed (But won’t get coverage after 26 years).
Features Of The AB Arogyadaan:
A policyholder shall avail the services of the Third Party Administrator (TPA) on the panel of the guarantor.
Third-Party Administrator (TPA)
The Third Party Administrator (TPA) will be delivering a Photo ID Card to the policyholder after the plan has been dispensed by the Insurance Corporation.
The Third Party Administrator or health insurance TPA Limited has several recognized networks of Hospitals across the country, where Cashless Treatment is accessible by generating this ID Card.
However, the policyholder is free to go to any non-network hospitals as well. But then again they may have to bear the hospital expenses first and then seek a settlement from the Third Party Administrator (health insurance TPA limited).
Role Of Third Party Administrator
If it is a case of planned hospitalization, then the policyholder has to inform about the hospitalization to TPA in advance at the Toll-Free customer care number for essential guidance from the Third Party Administrator (TPA).
However, in case of emergency Hospitalization information should be provided within 24 hours from the time of Hospitalization at the Third Party Administrator (TPA) Toll-Free number.
Third-Party Administrator In Panel
M/s United India Organization for Insurance has empanelled M/s Good Health Plan Ltd (GHPL) as Third Party Administrator (TPA) for administering this plan from 09.06.2010 onwards.
Quick Details of AB Arogyadaan:
What Is AB Arogyadaan-It is a Floater Health Insurance plan to cover hospitalization costs acquired by the insurance policyholder as well as the rest of the policyholder’s family members according to the Scheme chosen by them.
Purpose of the Plan-AB Arogyadaan successfully meets the Hospitalization costs of the policyholder’s family at a very reasonable premium and thus takes care of your Health and Wealth instantaneously.
Eligibility-This policy is beneficial only to Andhra bank account holders.
Commencement Of The Policy Period:- The health insurance year begins from the date of recompense of premium by the client as well as the insurance coverage will be obtainable up to 8th June of each year
Renewal Period-Renewal of the policy premium should be paid on or before the expiry of one year.
Age Limit-Age Limit for the first-time coverage is from 3 months – to 65 years, as well as renewal, is life-long.
Type of Plan- Floater Health Insurance plan
Exclusions Od AB Arogyadaan Policy
There is a total of five lists in the exclusion items of AB Arogyadaan policy. So, here we are going to list down the items that are excluded from the AB Arogyadaan insurance policy…
List 1 Of Items Excluded From Ab Arogyadaan
These are the items for which coverage is not available in the Policy for customers
- BABY FOOD
- BABY UTILITY CHARGES
- BEAUTY SERVICES
- BELTS/ BRACES
- COLD PACK/HOT PACK
- CARRY BAGS
- EMAIL / INTERNET CHARGES
- FOOD CHARGES (OTHER THAN PATIENT’s DIET PROVIDED BY HOSPITAL)
- LAUNDRY CHARGES
- MINERAL WATER
- SANITARY PAD
- TELEPHONE CHARGES
- GUEST SERVICES
- CREPE BANDAGE
- DIAPER OF ANY TYPE
- EYELET COLLAR
- BLOOD GROUPING AND CROSS-MATCHING OF DONORS SAMPLES
- SERVICE CHARGES WHERE NURSING CHARGES ARE ALSO CHARGED
- Television Charges
- ATTENDANT CHARGES
- EXTRA DIET OF THE PATIENT (OTHER THAN THAT WHICH FORMS PART OF
- BED CHARGE)
- BIRTH CERTIFICATE
- CERTIFICATE CHARGES
- COURIER CHARGES
- CONVEYANCE CHARGES
- MEDICAL CERTIFICATE
- MEDICAL RECORDS
- PHOTOCOPIES CHARGES
- MORTUARY CHARGES
- WALKING AIDS CHARGES
- OXYGEN CYLINDER (FOR USAGE OUTSIDE THE HOSPITAL)
- NEBULIZER KIT
- STEAM INHALER
- ARM SLING
- CERVICAL COLLAR
- DIABETIC FOOTWEAR
- KNEE BRACES (LONG/ SHORT/ HINGED)
- KNEE IMMOBILIZER/SHOULDER IMMOBILIZER
- LUMBO SACRAL BELT
- NIMBUS BED OR WATER OR AIR BED CHARGES
- AMBULANCE COLLAR
- AMBULANCE EQUIPMENT
- ABDOMINAL BINDER
- PRIVATE NURSES CHARGES- SPECIAL NURSING CHARGES
- SUGAR-FREE Tablets
- CREAMS POWDERS LOTIONS (Toiletries are not payable, only prescribed
- medical pharmaceuticals payable)
- ECG ELECTRODES
- NEBULISATION KIT
- ANY KIT WITH NO DETAILS MENTIONED [DELIVERY KIT, ORTHOKIT,
- RECOVERY KIT, ETC]
- KIDNEY TRAY
- OUNCE GLASS
- OXYGEN MASK
- PELVIC TRACTION BELT
- PAN CAN
- TROLLY COVER
- UROMETER, URINE JUG
- VASOFIX SAFETY
List 2 Of Items Of Items Excluded From Ab Arogyadaan
These are the items that are to be subsumed into Room Charges
- BABY CHARGES (UNLESS SPECIFIED/INDICATED)
- HAND WASH
- SHOE COVER
- CRADLE CHARGES
- EAU-DE-COLOGNE / ROOM FRESHENERS
- FOOT COVER
- TISSUE PAPER
- FACE MASK
- FLEXI MASK
- HAND HOLDER
- SPUTUM CUP
- DISINFECTANT LOTIONS
- LUXURY TAX
- HOUSEKEEPING CHARGES
- AIR CONDITIONER CHARGES
- IM IV INJECTION CHARGES
- CLEAN SHEET
- BLANKET/WARMER BLANKET
- ADMISSION KIT
- DIABETIC CHART CHARGES
- DOCUMENTATION CHARGES / ADMINISTRATIVE EXPENSES
- DISCHARGE PROCEDURE CHARGES
- DAILY CHART CHARGES
- ENTRANCE PASS / VISITORS PASS CHARGES
- EXPENSES RELATED TO PRESCRIPTION ON DISCHARGE
- FILE OPENING CHARGES
- INCIDENTAL EXPENSES / MISC. CHARGES (NOT EXPLAINED)
- PATIENT IDENTIFICATION BAND / NAME TAG
- PULSEOXYMETER CHARGES
List 3 Of Items Of Items Excluded From Ab Arogyadaan
These are the items that are to be subsumed into Procedure Charges
- HAIR REMOVAL CREAM
- DISPOSABLES RAZORS CHARGES (for site preparations)
- EYE PAD
- CAMERA COVER
- DVD, CD CHARGES
- GAUSE SOFT
- WARD AND THEATRE BOOKING CHARGES
- ARTHROSCOPY AND ENDOSCOPY INSTRUMENTS
- MICROSCOPE COVER
- SURGICAL BLADES, HARMONIC SCALPEL, SHAVER
- SURGICAL DRILL
- EYE KIT
- EYE DRAPE
- X-RAY FILM
- BOYLES APPARATUS CHARGES
- COTTON BANDAGE
- SURGICAL TAPE
- ORTHOBUNDLE, GYNAEC BUNDLE
List 4 Of Items Of Items Excluded From Ab Arogyadaan
These are the items that are to be subsumed into the costs of treatment
- ADMISSION/REGISTRATION CHARGES
- HOSPITALISATION FOR EVALUATION/ DIAGNOSTIC PURPOSE
- URINE CONTAINER
- BLOOD RESERVATION CHARGES AND ANTE NATAL BOOKING CHARGES
- BIPAP MACHINE
- CPAP/ CAPD TYPES OF EQUIPMENT
- INFUSION PUMP– COST
- HYDROGEN PEROXIDE\SPIRIT\ DISINFECTANTS ETC
- NUTRITION PLANNING CHARGES – DIETICIAN CHARGES- DIET CHARGES
- HIV KIT
- ANTISEPTIC MOUTHWASH
- MOUTH PAINT
- VACCINATION CHARGES
- ALCOHOL SWABES
- SCRUB SOLUTION/STERILLIUM
- Glucometer& Strips
- URINE BAG
Condition On Costs Towards Some Certain Surgeries
AB Arogyadaan policy has a limit on the insured expense of a few defined surgeries. Here are the conditions
Hospitalization expenses are limited to:
(a) Cataract: 10% of SI Subject to a maximum of Rs.25,000/-
(b) Hernia: 15% of SI subject to a maximum of Rs.30,000/-
(c) Hysterectomy/ Myomectomy: 20% of SI subject to a maximum of Rs.50,000/-
(d) For specified major surgeries: 80% of Sl subject to a maximum of Rs.4,00,000/- under AB Arogyadaan Policy and Rs. 12 Lac under Super Top Up Policy.
Specified Major Surgeries: Cardiac/Cancer/Brain Tumour/Pace Maker implantation for sick sinus syndrome/Hip replacement/Knee joint replacement.
The Corporation might revise any of the conditions, terms, and exclusions of this insurance together with the premium due on renewal according to the rules/guidelines framed by the IRDA (Insurance Regulatory and Development Authority) and after getting prior support from the Authority. The Corporation shall inform the covered of such fluctuations before the new addition is to take effect.
Q. What is AB Arogyadaan policy?
A. AB Arogyadan is typically a health insurance plan presented by Andhra bank to the account holders of the bank in partnership with United India Co. ltd.
All non-medical expenses of any kind of Ab Arogyadaan Scheme Domiciliary are covered under the policy. Nevertheless, for sum insured Choices 3 Lacs and above, the limit is up to 75% of the Sum Insured for each policy term for claims concerning Robotic Surgeries for the policyholder, the spouse, and up to two dependent children.
Q. Which health insurance scheme is best in India?
A. Well, that is a tricky question to answer. It entirely depend on the account holder. If your policy covers what you need, it is the best health insurance scheme for you. However, before you invest in any policy, make sure you check the premium amount, if you are eligible or not, what is the renewal premium, what are the benefits, etc.
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