Health Insurance · advanced
Specialized Health Products
Specialised health products explained — the Arogya Sanjeevani standard policy, senior-citizen and maternity cover, mental-illness cover, disease-specific plans, overseas travel medical insurance, and Ayushman Bharat PM-JAY.
- 01Arogya Sanjeevani — IRDAI Standard ProductArogya Sanjeevani is the standard indemnity health product that insurers have offered since 1 April 2020. This lesson explains what 'standard' means, its sum insured range, its room-rent and ICU limits and its 5% co-pay, with the arithmetic shown.
- 02Senior Citizen Health Insurance — Age Limits, Co-pay, ExclusionsHow health insurance works for older people: who counts as a senior citizen, the current rules on entry age, renewal and premium increases, what the policy itself decides (co-pay, sub-limits, exclusions), the tax deduction and Ayushman Vay Vandana.
- 03Maternity & Newborn Cover — Waiting Periods, Sub-LimitsWhat maternity and newborn cover pays for, why it carries a waiting period and a sub-limit, what is commonly excluded or carved out, and why the policy schedule is the only reliable source for the figures.
- 04Mental Health Coverage — Mental Healthcare Act 2017 ComplianceSection 21(4) of the Mental Healthcare Act, 2017 requires insurers to cover mental illness on the same basis as physical illness. This lesson explains what the Act means by mental illness, what 'same basis' does and does not promise, and how in-patient and out-patient treatment differ.
- 05Corona Kavach & Pandemic-Specific Products (Historical)Corona Kavach and Corona Rakshak were short-term COVID-19 products of 2020. They are history now, but they teach two lasting ideas: an ordinary health policy responds to an infectious disease, and indemnity cover differs from benefit-based cover.
- 06Disease-Specific Plans — Cancer, Cardiac, DiabetesDisease-specific plans cover one disease group such as cancer, heart disease or diabetes. This lesson explains their two designs, how staged payouts work, how they sit alongside an ordinary health policy, and why their scope is narrower.
- 07International Health Insurance & Travel MediclaimOverseas travel medical insurance covers emergency medical expenses that arise abroad during the policy period. This lesson covers what it usually pays for, single-trip and annual multi-trip policies, common exclusions and the Schengen visa minimum of EUR 30,000.
- 08Micro Health Insurance & Pradhan Mantri Jan Arogya Yojana (PMJAY)Micro health insurance is small, simple, low-premium cover; PM-JAY is the government-funded hospitalisation scheme under Ayushman Bharat. This lesson covers what PM-JAY provides, who is eligible, how it is funded and how it differs from a commercial policy.