AB Arogyadan – Andhra bank Health Insurance policy

ab arogyadan - andhra bank health insurance policy

AB arogyadan is a health insurance policy offered by Andhra bank to its bank account holders in collaboration with united India Insurance Company limited.

Like the other health insurance policies being offered by nationalized banks, AB arogyadan also has economical premium range, with features more or less similar to the otherwise available mediclaim policies in the market.

The main attraction in this policy is that you can cover your parents along within the same policy. You may also buy the additional cover through super top up plan, to make the total cover adequate for the family.

The other nationalized bank sponsored policies which I have reviewed earlier on this blog are:

AB Arogyadan Review is the new addition to the list. Let’s understand how this policy is beneficial to Andhra bank account holders.

Health Insurance is one of the main areas in any personal financial planning service. In fact it becomes a base before starting with Investments.

AB Arogyadan – in Brief

AB Arogyadan is a group health insurance policy offered by Andhra bank and United India Insurance company limited. This policy is specifically meant for Andhra bank account holders.

In this policy, there are 2 plans. In PLAN A account holders can cover the immediate family (Self, Spouse, and 2 children) and in PLAN B policyholder can add both the parents along with immediate Family. One can also buy a Super top-up plan along with the base policy to increase the total sum assured.

However, there are few Sub-limits specified, which may restrict the overall claim which the policyholder must be aware of.

(Also Read: Would your Financial Plan Survive a Serious Illness?)

AB Arogyadan – Basic Features

ab arogyadan - andhra bank health insurance

Andhra bank health Insurance –  Super Top-up Policy

Besides the basic AB Arogyadan Policy, to increase the overall sum assured one can also buy Super top up policy in addition to the basic policy. In AB Arogyadan Super top up, one can buy cover of 3 lakh/ 5 lakh / 7 lakh / 10 lakh/ 15 lakh. Super top up can be bought only after buying the base policy with maximum sum assured of Rs 5 lakh.

Rest all features are same as of base policy. You may download the Super Top Up FAQs from here.

(Also Read: How Super top-up policies works?)

Condition on expenses towards major surgeries

There are some defined surgeries in this policy which have a limit on insured cost. Details are as below

ab arogyadan - andhra bank health insurance

AB Arogyadan – Premium Rates

ab arogyadan premium rates

(Read: How much health insurance cover should one have?)

Conclusion

I really find these policies offered by nationalized banks very attractive with low premiums, comparable benefits, and features.

Added attraction in Andhra Bank arogyadan is the cover for parents. I am sure that you will not get such a high sum assured (Base + Super top up), at such a low premium in any health insurance policy for your parents, if bought from private players in the market.

(Read: Health Insurance policies available to cover parents)

Yes, there are few restrictions like of room rent limits, on expenses towards major surgeries but that is the kind of cost you have to pay to save on the premium costs.  Moreover, if you have not bought any mediclaim policy till now, just because of the high premiums, then the policies like AB arogyadan gives you the opportunity to cover the risk.

Just keep in mind that andhra bank is only an intermediary and for the service issues you have to directly be in touch with United Insurance people.

AB Arogyadan, an Andhra bank Health Insurance policy – Hope you find the review helpful. Do share your thoughts in the comments section below

143 COMMENTS

  1. Hi.. Trying to understand the premium. What would be the total cost for 5 lakhs base + 20 lakhs Super Top Up under family plan A? 8527+23447? Or only 23447 which includes all?

    • There’s no 20 lakh super top up. What you see is 5+15 combination. and the premium in Plan A is 23447/-

    • To understand the policy in details let me consider a case study:
      If a person is having a plan A with super top up plan of 15 lakhs ( premium is paid as 23,447/-) and if his father has to go through Hernia operation(leproscopy), how much can the insurance company will compensate for the hospitalization as well as for the surgery involved. Hospital has charged for the same operation and for the hospitalization for two days is Rs.1,35,000/- . Let us consider the Hospital is very well known in Bangalore and the room charge is 7,000/-/ person/day, the room is shared by two person.
      Can you pl. explain the compensation is expected from the insurance company, considering the patients has fulfilled all the conditions. And the operation is conducted after 5 years of policy and no pre-existence of any diseases. Kindly explain in details. It will surely help me to compare and understand the policy better.Your answer will help me a lot.

  2. Hello Manikaran Ji
    I am looking for this AB arogyadaan super top up policy but I have spouse and 3 kids . How can I get this policy for 3 kids ? any combination like one policy with me spouse + 2 kids and another me + one kid?
    or do u suggest any other policy with low primium ? please guide

  3. Hi,

    I have this policy for the last 7-8 years continuously. Is it possible for me to take individual policy with continuation benefit at the time of next renewal?

  4. My husband has this policy but we have claimed for hospitalization in the month of may but we did not get any benifit.we have fulfilled all the criteria for the claim..we did not get any refund till date

  5. I have mediclaim policy of United Assurance for three lacs. if I opt for Andhra bank mediclaim can I get benefit of continuity of United Assurance.

    • No. Yours must be an Independent Individual policy. This Andhra bank policy is a group policy, so the porting in benefits are not available in this case.

  6. Please advice if I choose the Andhra Bank ( Arogyadan health Insurance ) ..its better for me or not.
    Or else Should I go with ERGO Health Insurance from HDFC Bank…
    I am eagerly waiting for your response

    • It is up to you to decide which one suits your requirements and better for you. Go through the policy wordings to have clarity on both the policies

  7. Sir, I have taken AB Aarogyadan Plan B 3 years ago. Since it is a group policy for Andra bank account holders only I am confused what happens to this policy if in any case Andra bank shuts down or else wants to discontinue. Can we migrate to other insurance company with seniority. Please answer.

  8. Sir, I have taken AB Arogyadhan policy from past 4years . When I am calling to GHTPA customer care they said its not applicable for maternity. But after 3 yrs of completion hospitals mrdp dept told to me its eligible for maternity. Which is true?

    • You should believe the TPA, since they are the one who will be passing you claim. You may refer the policy wordings that you must have been received along with the Insurance documents, to confirm.

  9. Hello sir, I want to take a policy of my mother age 59 she has diabetic patient and cardiac also if she is eligible for this policy I can. Can I have any contact numbers of polucy agents about to clear confirmation of policy.

  10. Sir,. 18/01/18

    I am Insured for Mediclaim last 10 years, I intend to know that Rs. 25000/- max. available for this purpose is per year or per eye.

  11. What is the definition of pre-existing? Does a sudden discovery of a cancer or other cardiac problems with no previous history come under pre-existing or new? I would like to take this insurance for my parents -they have Oriental insurance prior to this, but they cancelled it last year and there has been a lapse. Thank you for your help!

  12. We have a Star Health Insurance from 2005, Now I want to shift over to Andhra Bank Arogyadan, Is there any form or procedure for that. Andhra Bank branch people not able to give these details.

  13. I am good health policy holder. My wife was admitted in the hospital on 13th November due to IVDP. The good health tpa didn’s allow the cashless treatment . Why?

  14. In AB arogyadan policy for Andhra Bank account holders , i want to know the minimum period of time required for hospitalization after obtaining the card.

    • The minimum hospitalization period is 24 hrs in all insurance policies. But if the treatment comes under daycare then 24 hrs condition does not apply, provided that daycare is covered under the policy.

  15. sir I have taken AB aroghyadahan basic policy of Rs.300000/- can i take super top up policy at the time of renewal for Rs.500000/-

  16. My wife’s family is under Arogyadaan policy from last three years. We recently have new born baby. Is there any chance to meternity coverage from good health policy?

  17. Hi,

    Currently we are family of 4 including my parents and my spouse. We dont have children now, but we are expecting baby in the next 3 months (so the total famil count will be 5), so what is the best / suitable plan that covers expecting baby and currently on going medical expenses for my spouse during pre and post pregnancy period. Please advice.

    Thanks in advance.

    • I do not think there is any policy that will cover your requirements which is just 3 months away. Health insurance covers uncertain things, not the planned one, especially in first few years.

  18. recently i was taken arogyadhan policy in andrabank on03/11/2017.till now i am not receiving any bond or health cards. i was asking the bank they were not giving any response.

  19. I hv recently bought policy for my parents for 5 lacs(Ab arogyadhan) .i hv already one existing policy with national insurance of 5lacs I had disclosed this to bank so they told me u can claim from either. But if my claim goes above 5 lakhs then can v claim from the other company or not.. As this is very low cost policy and I hv rcvd policy after 3 months after paying premium will they wud gv claim or not or will they show some hidden terms and condition…

    • Yes, if the claim goes beyond the Sum assured of one insurer you may claim the balance from other policy, as per the other company’s terms and conditions.

  20. At the time of renewal if we donot rcv policy and hospitalisation comes then in that case wht to do.. And the company hv cashless facility.. As v rcvd policy bond very late.

    • If the policy has been renewed and is in force, then you may claim from insurer even if you have not received the policy bond. Customer care or TPA should be of help.

  21. Hello,
    My Father is 64 years old and mother is around 58. I need a Medical Policy for both of them with coverage till 10 Lakhs. What will be the premium for this Plan.

  22. Hi,
    3 yrs back..I was diagnosed with benign brain tumor and received treatment for the same and all reports are still negative.
    I am single..Am I eligible to apply for Arogyadan policy or I would be denied?

  23. I have taken Adogyadaha Policy of Andhra Bank for my family on 03-03-2017. Now one of my family member is suffering from Cancer. Are we eligible for take Cashless facility for treatment under this policy please

    • Yes. Cancer does not come under any waiting period and moreover, your policy is 1 year old now…so should not be of any issue

  24. SIR,
    I am having mediclaim policy from United India Insurance since 8 years, if now I take AB Arogayadaan policy from Andhra Bank will it cover any claim immediately or there is sometime for that i have to wait

    • There is no provision to port the policy from Individual to group. So if you buy AB arogyadaan now by discontinuing United policy then you will lose all the benefits of your United policy and will have to start again from Scratch.

  25. Dear sir,
    I had close my arogyadan policy but without any massage deduct balance in my account.i want to return my balance what to do please help me otherwise I will do suicide.deduct balance is 4900

    • Hey Rajiv
      Please speak with the Andhra bank Manager to sort out this issue. You must have given auto debit instruction to the bank to pay the premiums annually. Health Insurance policies get cancelled only when you do not pay the premium.
      Don’t think of doing suicide for these kinds of small issues. There is a solution to everything.

  26. My Father is 68 and Mother is 63 if and I want 10 Lac cover for them.
    As per the screenshot above will the premium be 20344?

  27. sir, I am P.J. surendranath A share Holder of Andhra bank
    I have taken your policy 2 years back covering me 64 years and wife sushama surendranath57 years and have been renewing yearly by auto debit. . The sum assured was 5 lakhs with top up for 3 lakhs. On 7/6/18 I received sms informing the renewal premium of Rs.11376 for 2018-2019 . But to my shock on 8/6/18 you have debited 15743/. please refund the excess collected Rs.4367/. by crediting my SB a/c with you. Your earliest action will be much appreciated.

  28. Dear sir/ madam,

    I am Andhra Bank staff, retired on 31/5/2018.
    Eventually my CODST 006931100000025 which was connected to Arogyadan Premium recovery, was closed before the premium debit date i.e. 8/6/2018. As such my premium was not autodebited on 8/6/2018.
    I personally approached the branch, having learnt from SMS alert that my Arogyadan Premium was not paid and requested to remit the same debiting any of my personal accounts. But it appears that the branch doesn’t know the porocedure to do the same.
    I am afraid if the premium is not remitted before 7/7/2018 the policy gets lapsed and payment after 7/7/2018 may result in losing of seniority effecting claim eligibility.
    I therefore request you to kindly remit the required premium for renewal of Arogyadan Policy BA No 107750.
    Thanking you
    Regards.

    Bh K Babuji
    Staff code 07986
    My SB a/C’s: 106510031070563, 106510100132403
    Phone: 9441852252

  29. Dear Sir
    Good Morning. This is Dr. Guna Sankar, working as an Associate Professor, has taken the policy of Arogyadan from Andhra Bank Gavinivaripalem branch, Chirala in the month of Jan 2017 for 5 Lakhs with Plan – B. I am sorry to inform till date I did’t receive the health card, but in appropriate time my account has been auto debited with premium amount. Previously I approached the branch I did’t get fruitful solution. But now I approached the present BM twenty days ago he contacted the marketing team even though my problem has not been solved.
    My reference id of policy is – BANUM 11214519
    Second issue is to submit IT return they need payment receipt, but I am unable to get the receipt.
    What can I do in this case.

  30. If ab arogyadan card surrendered then premium will refund or not……my premium not deducted due to insufficiency balance.already one month grace period over .I want to renewal now .If it is not possible then I want my premium back I paid from 2015….

  31. good mrng sir my family is 5 members one child father and mother wife and im which one take health policy sir please advice me sir

  32. Dear Sir,
    My father is at the age of 67. Can he take this insurance for himself and my mother (both wife and husband below the age of 70)?. Thank you sir.

    Regards,
    Srikar.

  33. Dear Mr. Manikaran Singhal,
    I have AB Arogyadan floater policy Plan A for me & my wife. We are joint account holders in Andhra Bank, with me as first holder.

    I want to know , if the policy can be renewed by my wife , if i happen to predecease her ?

    • If you predecease her, then the bank account also be transmitted in her name as a primary holder. So She may, in any case, renew the policy in her name. Still to be better clear on the process, please contact the Insurers.

  34. this plan is for group not for individual. i want individual coverage only does this plan is having? if not can you suggest any other plan

  35. Hello Manikaran Singal sir,
    I took AB Arogyadan policy on my name and i have added my parents also under plan B.
    My parents age is below 60 years. But, in the AB Arogyadan card it is printed 65 and 63 as age.
    Will it be a problem in future while claiming, If age mentioned on the card is wrong or is it fine?

  36. AB Aarogyadaan premium will be deducted on 8th June every year for auto renewal of policy. We admitted on 9th June. Hospital & TPA(GHPL) asked policy renewal deatails which we don’t get till August. It seems you don’t get cashless facility in June and July practically. This year june 9th 10th are holidays. So premium also didn’t deduct. We are facing problem. Can you help on this issue?

    • Well, this is where Insurer should chip in and bankers may mark a lien on the premium amount. Though not sure how this works practically. Since I am replying quite late on this query, so would be great if you share your experience.

  37. Did anybody notice the three fold increase of the premium for the year 2019-2020.The basic slab is increased from 5 lacs to 10 lacs and Super topup slab starts from 5 lacs instead of earlier 3 lacs.Thus for a slab of Rs 8 lacs in plan a ,a person has to pay Rs 54000/- as against the earlier premium of Rs 17500/-Can anyboby justify this steep increase and the retired persons surviving on own savings are ill afford to this premium.

  38. Yes the premium amount has changed drastically with huge difference and the insurance people say they have done based on Age this year. finally it is the customer who has no option of dropping the insurance and we are the looser of paying all these years based on the commitment that the premium would be constant for life long.
    The policy is of United India insurance and they have escaped by saying company policy based on Age this year.

  39. worst Insurance. They are trying to escape from payment of reimbursement claims. No response to my repeated messages. The contact numbers are also not responding.

  40. Shaik Ismail my name.w/o s. Parveen. My father name shaik Shalu Miya w/o s. Rasool bee cards no dispatched please my Insurense I. D cards. Andhrabank. Pamulapadu. Kurnool District. Ifsc-Andb0000786. Please my cards

  41. Good health Tpa Service regularly card s dispatched what your company late prases to the Andhrabank bank customer disappointed, please immediately I. D cards dispatched sir

  42. I hv an AB arogyadaan policy for RS.1lakh.
    Now I want to increase the amount to 3 lakh.can.I be allowed to do? Then how?
    What premium I hv to pay say from Nov 2019?pl.suggest.

  43. Dear sir,
    My name is Rahul jadhav and Age is 35,I want yo purchase AB aroghyadahan policy, My father age is 68 and mother is 63,Can i buy this AB aroghyadahan policy for them.
    or shall i purchase policy for me and adding name of my mother and father. which is best option .
    pls suggest

    • As far as we know maternity charges are not covered in the policy. But there may be some change in features, so better to confirm from andhra bank guys.

  44. Need to know about the surgeries covered under AB arogyadaan insurance.
    I need some details regarding AB arogyadaan insurance policy

  45. I joined the policy 2015
    AB Arogyadhan BA1 no.148272 earliar 2 years paid,this year till now not paid. Can I pay now
    How much amount I have to pay for 2019 _2020.

    • The TPA list keeps on changing, please visit the insurer website or contact the banker/insurer directly. They may assist you with your queries.

  46. My father was a account holder iin Andhra. Bank and had insurance policy with United india insurance named arogyadaan
    He expired 0n 19th September 2019. It was in the name of my mother as well as my father. my question is about the premium that we have to pay now . My mother’s dob do 9/5/1950. And their policy no. Is 0504002817p104314692

    • We are sorry for your loss, but we regret to inform you that we do not have any association with the banker/insurer by any means. We are an independent Financial Planning Firm and this is our blog.
      So, please contact the banker/insurer directly with your queries.

  47. Regarding AB Arogyadan – Andhra bank Health Insurance policy.
    1.Is it applicable to the pension holders(above 70 years) who are drawing through ANDHRA BANK?
    2. Can we include the parents above 80 years?
    My husband is pension holder through Andhra bank.

  48. I would like to know about Andra bank arogayam mediclaim policy for my parents above 70 years. Kindly give complete details of the policy 10lacs

    • We are a financial planning/advisory firm, not associated with any insurer/banker by any means. As far as the information we have, this policy is not available for people above 70 years of age.
      Please contact the banker/insurer for more details.

  49. My age is 44 spouse 39 child one is 17 child teo is 11. I want Plan A in arogyadan for 15 lacks . Now the premium is 15685 . I want to know that every year how much premium increase and after 65 years age plan will be continue ir not please inform me.

    • This plan comes with a lifelong renewability feature, which means once you enter the policy, you can continue it whole life by paying the premiums.
      As far as the increase in premium is concerned, you have to check it through the banker/insurer directly.

  50. My name is missing in the policy of ABarogyadhan
    I’ve been complaining 6 weeks and the name didn’t get updated.How should i proceed further .help me

    • We are a financial planning/advisory firm, not associated with any insurer/banker by any means.
      You have to contact the banker/insurer directly with your queries.

  51. This plan comes with lifelong renewability feature, which means once you enter the policy, you can continue it whole life by paying the premiums.
    As far as increase in premium is concerned, you have to check it through the banker/insurer directly.

  52. Dear Sir, My name is Sri Rama Rao Mantripragada. I am from Hyderabad. I have an insurance with you i.e AB Arogyadan Good Health insurance policy since long time. The policy is for me and for my wife Smt. Annapurna Mantripragada. The policy number is 0504002819p103945147. The premium is been deducted from my Andhra Bank (now Union Bank) account regularly. I have received a message saying that the renewal date is 08/06/2020. I have submitted the age proof of me and my wife on 21/01/2020 to the bank. I request you to let me know whether the policy covers my wife also?. Request send me the details to my cell number 9848507152 or to my e-mail ” [email protected] ” at the earliest. Thanking you Sir. M. S. Ramarao

    • The data is not available online and banks are also reluctant in sharing with us…not sure why. Plus you must be knowing that the process of bank mergers is going on and very soon you will see Andhra bank turning into Union Bank so be wary of the change in the terms of the policy soon. Keep in touch with the bankers.

    • We are a financial planning/advisory firm, not associated with any insurer/banker by any means.
      You have to contact the banker/insurer directly with your queries.

    • The data is not available online and banks are also reluctant in sharing with us…not sure why. Plus you must be knowing that the process of bank mergers is going on and very soon you will see Andhra bank turning into Union Bank so be wary of the change in the terms of the policy soon. Keep in touch with the bankers.

  53. I am taken aarogyadaan policy in 2016jun 500000/-
    2017 jun 500000/-
    2018 jun 1000000/-
    2020 jun 10000000/-
    July 2020 pre existing health admitted in
    Hospital .claim amount they are giving maximum 500000/- room rent 5000/- 1 persent only.. is it correct..sir
    When iam using room rent 6500/- .thay are charging proportionate charges.. please explain me …what is the rule?

    • As far as the information we have, policy features say that there is a sub-limit of 1% of the sum assured for Room Rent. So, the proportionate claim amount is correct.

  54. माननीय महोदय ,
    हम विगत ५ वर्षो से आरोग्यदान पालिसी (आंध्रा बैंक + यूनाइटेड इंडिया इन्शुरन्स +हेल्थ इन्शुरन्स टी पी ऐ ऑफ़ इंडिया ) के आस्थावान ग्राहक है बिना कोई क्लेम लिए आस्थापूर्वक अपना और अपने परिवार का पेट काटकर हर वर्ष आरोग्यदान पालिसी (आंध्रा बैंक + यूनाइटेड इंडिया इन्शुरन्स +हेल्थ इन्शुरन्स टी पी ऐ ऑफ़ इंडिया ) प्रीमियम समय पर भरते हैं । इस आशा में की जब हमपर आपत्ति आएगी तब आरोग्यदान पालिसी (आंध्रा बैंक + यूनाइटेड इंडिया इन्शुरन्स +हेल्थ इन्शुरन्स टी पी ऐ ऑफ़ इंडिया ) हमारी सहायता करेंगे। हर वर्ष बिना सूचित किये आरोग्यदान पालिसी (आंध्रा बैंक + यूनाइटेड इंडिया इन्शुरन्स +हेल्थ इन्शुरन्स टी पी ऐ ऑफ़ इंडिया ) प्रीमियम बढ़ते है और हमारे बैंक खाते से काट भी लिए जाते है जिसपर आज तक हमने कोई आक्षेप नहीं लिया।
    इस विपदा के समय जब हमको आरोग्यदान पालिसी (आंध्रा बैंक + यूनाइटेड इंडिया इन्शुरन्स +हेल्थ इन्शुरन्स टी पी ऐ ऑफ़ इंडिया ) की सर्वाधिक आवश्यकता पड़ी तब आप हमें १६२,००० के भुगतान का ५६,००० दे रहे है जो कदाचित आरोग्यदान पालिसी का (आंध्रा बैंक + यूनाइटेड इंडिया इन्शुरन्स +हेल्थ इन्शुरन्स टी पी ऐ ऑफ़ इंडिया ) स्वार्थ और हमारी मूर्खता का प्रदर्शन है। क्या आरोग्यदान पालिसी (आंध्रा बैंक + यूनाइटेड इंडिया इन्शुरन्स +हेल्थ इन्शुरन्स टी पी ऐ ऑफ़ इंडिया ) पर आस्थावान रहना हमारी मूर्खता है। निजी संस्थानों को छोड़ हम सरकारी संस्थानों पर भरोसा करते है और भुगतान में ऐसा व्यव्हार निंदनीय है। लॉक डाउन में व्यापर समाप्त हो गए। बीमारी में हमने ११ लोगो से उधार लेकर अस्पताल का बिल दिया। आरोग्यदान पालिसी (आंध्रा बैंक + यूनाइटेड इंडिया इन्शुरन्स +हेल्थ इन्शुरन्स टी पी ऐ ऑफ़ इंडिया ) के ५६,००० में हम किसको पैसा लौटाएंगे। क्या आरोग्यदान पालिसी (आंध्रा बैंक + यूनाइटेड इंडिया इन्शुरन्स +हेल्थ इन्शुरन्स टी पी ऐ ऑफ़ इंडिया ) की तरह हम भी देनदारों से यही व्यवहार करे ? हमने उन्हें भी हमने आरोग्यदान पालिसी (आंध्रा बैंक + यूनाइटेड इंडिया इन्शुरन्स +हेल्थ इन्शुरन्स टी पी ऐ ऑफ़ इंडिया ) ग्राहक बनाया है। उनपर क्या अनुकूल प्रभाव पड़ेगा इस प्रकरण का ? आरोग्यदान पालिसी (आंध्रा बैंक + यूनाइटेड इंडिया इन्शुरन्स +हेल्थ इन्शुरन्स टी पी ऐ ऑफ़ इंडिया )अनुरोध है हमारा पूरा पैसे दीजिये।
    बिल मिलने पर हमने अस्पतालों की दर और दवाइयों के खर्चो से आरोग्यदान पालिसी (आंध्रा बैंक + यूनाइटेड इंडिया इन्शुरन्स +हेल्थ इन्शुरन्स टी पी ऐ ऑफ़ इंडिया ) को अवगत कराया और आरोग्यदान पालिसी (आंध्रा बैंक + यूनाइटेड इंडिया इन्शुरन्स +हेल्थ इन्शुरन्स टी पी ऐ ऑफ़ इंडिया ) ने भी उसी राशि की भुगतान की पुस्टि भी की जो आरोग्यदान पालिसी (आंध्रा बैंक + यूनाइटेड इंडिया इन्शुरन्स +हेल्थ इन्शुरन्स टी पी ऐ ऑफ़ इंडिया ) रिकॉर्ड कॉल में होगी। हमारी ५ लाख की पालिसी है और आरोग्यदान पालिसी (आंध्रा बैंक + यूनाइटेड इंडिया इन्शुरन्स +हेल्थ इन्शुरन्स टी पी ऐ ऑफ़ इंडिया ) जो दे रहे हो हम उससे अधिक पैसा आरोग्यदान पालिसी (आंध्रा बैंक + यूनाइटेड इंडिया इन्शुरन्स +हेल्थ इन्शुरन्स टी पी ऐ ऑफ़ इंडिया ) दे भी चुके है। हर वर्ष बढाकर बिना सूचना के। अब आरोग्यदान पालिसी (आंध्रा बैंक + यूनाइटेड इंडिया इन्शुरन्स +हेल्थ इन्शुरन्स टी पी ऐ ऑफ़ इंडिया ) निर्णय अनुचित है ५ लाख की पालिसी में हमारा क्लेम १,६२,००० का है जो देना आरोग्यदान पालिसी (आंध्रा बैंक + यूनाइटेड इंडिया इन्शुरन्स +हेल्थ इन्शुरन्स टी पी ऐ ऑफ़ इंडिया ) का कर्त्तव्य और लेना हमारा अधिकार है।

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