New India Arogya Pragati Plus (Top-Up Reinvented) Policy

New India Arogya Pragati Plus is a Top-Up Health Insurance Policy designed to provide additional financial protection when hospitalization expenses exceed a chosen threshold limit. The policy offers affordable high-value health coverage over and above your existing health insurance or self-funded medical expenses.

Key Features

• Top-Up Health Insurance Plan
• Available on Individual and Family Floater Basis
• Coverage up to ₹50 Lakhs
• Gold and Platinum Plan Options
• Policy Term of 1, 2 or 3 Years
• Cashless Hospitalization Facility
• AYUSH Treatment Coverage
• Optional Critical Care and Personal Accident Covers

Eligibility

Threshold & Sum Insured Options

• Threshold: ₹5 Lakhs to ₹50 Lakhs
• Sum Insured: ₹1 Lakh to ₹50 Lakhs
• Maximum Sum Insured can be up to 4 times the Threshold

Gold Plan Benefits

• Room Rent: 1% of Sum Insured or ₹15,000 per day, whichever is lower
• ICU Charges: 2% of Sum Insured or ₹25,000 per day, whichever is lower
• Pre-Hospitalization: 30 Days
• Post-Hospitalization: 60 Days
• Cataract Surgery: Up to ₹50,000 per Eye
• Road Ambulance Charges Covered
• AYUSH Treatment Covered
• Medical Second Opinion up to ₹2,500 per Policy Year

Platinum Plan Benefits

• Single Air Conditioned Room
• ICU Charges on Actual Basis
• Pre-Hospitalization: 60 Days
• Post-Hospitalization: 90 Days
• Cataract Surgery: Up to ₹1,00,000 per Eye
• Modern Treatments up to 100% of Sum Insured
• Medical Second Opinion up to ₹5,000 per Policy Year
• Air Ambulance Cover Once Per Policy Period
• Consumables Cover up to ₹25,000

Coverage Includes

• In-Patient Hospitalization Expenses
• Room Rent and Nursing Charges
• ICU / ICCU Charges
• Doctor Consultation Fees
• Operation Theatre Charges
• Medicines and Diagnostic Tests
• Day Care Procedures
• Road Ambulance Expenses
• AYUSH Treatments

Optional Covers

• Critical Care Benefit
• Personal Accident Benefit

Discounts Available

Why Choose Arogya Pragati Plus?

• Affordable way to increase health insurance coverage.
• Suitable for people already having a base health policy.
• High Sum Insured at lower premium.
• Protection against rising medical costs.
• Available with Gold and Platinum benefit options.

Important Note

Arogya Pragati Plus is a Top-Up Policy. Claims are payable only after the hospitalization expenses exceed the selected threshold amount. The threshold can be met through an existing health insurance policy or self-funded medical expenses.