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Complete Guide on Sanjeevani Swasthya Bima Yojana Scheme

TeamAckoMar 13, 2024

Considering applying for a comprehensive health insurance scheme in Dadra Nagar Havеli or Daman and Diu? Look no more. Apply for the Sanjeevani Swasthya Bima Yojana Schеmе. This schеmе is dеsignеd for familiеs of both BPL and APL catеgoriеs. In this blog, you will learn in detail about this scheme and various other associated details with it.

So, scroll below to know more.

Sanjeevani Swasthya Bima Yojana Scheme

Contents

What is the Sanjeevani Swasthya Bima Yojana Scheme?
Who are the Beneficiaries of the Scheme?
What are the Benefits of a Comprehensive Health Insurance Plan?
What is the Comprehensive Health Insurance Plan of ACKO?
Final Words
Frequently Asked Questions (FAQs)

What is the Sanjeevani Swasthya Bima Yojana Scheme?

The ‘Sanjееvani Swasthya Bima Yojana’ scheme is a comprehensive health insurancе scheme introduced by the Administration of Union Tеrritory of Dadra Nagar Havеli and Daman and Diu for its citizens. This scheme provides insurance coverage to residents through the New India Insurance Co. Ltd. When it comes to handling claims they have Health India Insurance TPA Services Pvt. Ltd (they are the Third Party Administrator) in charge.

If you are in the Below Poverty Line (BPL) section, the UT Administration helps with the premium payment as well. Suppose you belong to a family earning between Rs. 1 to 2 lakh annually, the UT Administration will cover 50% of your premium, and the rest is covered by you. However, if you belong to Above the Poverty Line (APL), you must pay the full premium.

Who are the Beneficiaries of the Scheme?

Here is a list of beneficiaries identified under the Sanjeevani Swasthya Bima Yojana Scheme:

Individuals under the Below Poverty Line (BPL) category, according to the Government Census.
Domicile families with an annual income below Rs. 1 lakh.
Domicile families with an annual income between Rs. 1 and Rs. 2 lakh.
Individuals covered under the Saraswati Vidya Yojana.
Any additional families residing in the area.

What are the Benefits of a Comprehensive Health Insurance Plan?

The following highlights the benefits of comprehensive health insurance plans:

If something urgent comes up, this health insurance plan helps you out with money, either by paying directly or by giving you the cash back later on, whichever way works best for you.
If you do not raise a claim during the policy period, you will receive a cumulative bonus or No Claim Bonus (NCB). For instance, you have a health insurance plan with a sum insured of Rs. 20 lakh and you receive a 10% NCB. The sum insured to you will increase to Rs. 22 lakh.
In the comprehensive plan, some insurance companies provide value-added services such as free consultations from authorised doctors, discounts on medicines and preventive medical checkups.
You can add more options to your health insurance coverage and pay slightly more than the premium.
You can also get tax benefits for buying health insurance for yourself and your family. Under Section 80D of the IT Act, you can receive tax benefits up to Rs. 25,000 (if you are below 60 years old) and Rs.50,000 (if you are over 60 years old).
This insurance plan gives you lifetime renewability. You can stay on your health plan forever.

What is the Comprehensive Health Insurance Plan of ACKO?

Next, after learning the benefits of this health insurance scheme you can opt for ACKO’s Standard Health Plan. It offers significant insurance coverage for various medical needs compared to regular medical insurance. It offers emergency medical assistance for hospital stays, day-care treatment, post-birth complications and ambulances.

Therefore, this comprehensive package takes care of your own and your family's health needs. With this plan, things like surgeries, organ donations, and other treatments are all covered. You would not have to worry about paying extra for these things, unlike if you had a regular health insurance plan. It is like getting everything included, so you can relax knowing you are fully covered.

Final Words

In conclusion, the Sanjeevani Swasthya Bima Yojana Scheme in Dadra Nagar Haveli and Daman and Diu offers crucial health insurance coverage for families, including both BPL and APL categories. It provides financial support in emergencies and various other additional benefits like value-added services. Therefore, opting for this kind of comprehensive health insurance policy not only provides financial aid in hard times but also provides several benefits tailored to your needs.

Frequently Asked Questions (FAQs)

The following are some commonly asked questions about the Sanjeevani Swasthya Bima Yojana Scheme.

1. What are the age standards for buying a complete medical health insurance plan?

If you are 18 or older, you could get yourself a comprehensive health insurance plan.

2. What are the things I should look for while buying a comprehensive health insurance plan?

The following are some essential things you should look for while buying a comprehensive healthcare insurance policy:

Sum insured
Coverage
Insurance Premium
Exclusions
Services

3. What is the difference between standard health insurance and a complete health insurance plan?

One difference between a comprehensive health insurance policy and an ordinary one is that the former covers more than just hospitalisation. With a comprehensive policy comes extra benefits such as coverage for OPD expenses, teleconsultations and so on, unlike a typical plan.

4. Who are the identified beneficiaries under the Sanjeevani Swasthya Bima Yojana scheme?

The following are the identified beneficiaries under the Sanjeevani Swasthya Bima Yojana scheme:

Absolute Poor Family – BPL as per Government Census.
Domicile Families with a family income below 1 lakh per annum.
Domicile Families with a family income between 1-2 lakhs per annum.
Beneficiaries of Saraswati Vidya Yojana.
Any other resident families.

5. What does ACKO’s comprehensive health insurance cover?

The comprehensive health insurance plan covers the following points:

Daycare treatments
Hospital expenses
Ambulance charges
AYUSH treatments
Organ donation expenses
Covers pre-existing medical expenses (if disclosed while buying the plan)

6. Does the comprehensive health insurance plan provide 100% coverage to you?

A comprehensive health plan typically does not offer 100% coverage due to factors like waiting periods and deductibles. However, the ACKO Health Insurance Policy pays the full approved claim amount without deductions during claim settlement.