Your Private Health Insurance Isn’t As Fool-Proof As You Think — Why an Add-On Membership of Arogya Samriddhi Health Card Can Still Save You Thousands?

 

In today’s world, having private health insurance feels like a safety net — but is it really enough? What most people don’t realize is that even the best health insurance plans come with limitations, and you often end up paying for a lot of everyday health needs from your own pocket because of following reasons:

• Your Health Insurance cover kicks in after 24 hours of your hospitalisation meaning in more than 90% of cases you’ll pay from your pocket all the expenses.

• Your Health Insurance may not be covering OPD (Doctor Consultation costs)

• Your Health Insurance may not cover costs of Pathology, Radiology and other investigations and Tests.

• Health Insurances always carry payment limits (maximum allowed is sum insured) and in true sense payment amounts are typically 80% to 85% only because of conditions and exclusions.

• Health Insurances typically do not cover costs of medications and accessories 

• Normal Insurances do not cover Dental procedures or Diet and Nutrition advisory costs.

• Normal Insurances generally do not cover ambulances and blood bank costs.

• Normal insurances do not cover physiotherapy and alternate medicines.

• Unless you have a specific health insurance you are not covered for maternity costs.

• Health insurances do not cover pre-existing illnesses, smokers, and acute alcohol consumers.

• Health Insurances do not cover or are at the very least prohibitively expensive for terminal illness cases.

Service	Typically Covered by Insurance	Covered by Arogya Samriddhi Health Card
OPD Consultations	❌ No	✅ Yes
Lab Tests & Diagnostics	❌ No	✅ Yes
Emergency OPD Care (without admission)	❌ No	✅ Yes
Pharmacy Medicines	❌ No	✅ Yes
In-Patient Admission Discounts	✅ Yes (partial)	✅ Yes (additional discount)
Dental Checkups	❌ No	✅ Yes
Vision/Eye Checkups	❌ No	✅ Yes
Wellness Packages (Full Body Checkups)	❌ No	✅ Yes
Mental Health Consultations	❌ Rarely	✅ Yes
Diet & Lifestyle Counseling	❌ No	✅ Yes
Yoga & Fitness Consultations	❌ No	✅ Yes
Easy Digital Access (App-based)	❌ No	✅ Yes
Zero Claim Process / Paperwork	❌ No	✅ Yes
Rural & Semi-Urban Coverage	❌ Limited	✅ Wide Coverage

This is where the Arogya Samriddhi Health Card becomes a smart, affordable add-on. For just ₹100 per year per person, it covers everything that regular insurance misses — helping you save thousands each year.

Hidden Gaps in Health Insurance — Where You Still Spend Money

Your insurance may seem like it has you covered, but:

• 🩺 OPD consultations are usually not included.
  
  

• 🧪 Lab tests and diagnostics must be paid for separately.
  
  

• 💊 Medicines and pharmacy bills are often excluded.
  
  

• 🦷 Dental, vision, and wellness checkups are not part of most plans.
  
  

• 📋 Claim approvals, paperwork, and waiting periods make access slow and complicated.
  
  

So even if you have a health insurance policy, you still end up spending thousands each year on routine medical needs.

Why Arogya Samriddhi is the Perfect Add-On

The Arogya Samriddhi Health Card is not a replacement for insurance — it’s an enhancement. It works alongside your insurance policy and fills all the daily healthcare gaps, with instant discounts and zero hassle.

Here’s how it adds real value:

✅ Discounted Doctor Consultations

Whether it’s a general check-up, a follow-up visit, or specialist advice — get discounted OPD consultations across our partner network.

✅ Affordable Lab Tests & Diagnostics

Save on blood tests, X-rays, ultrasounds, and other diagnostics, without needing insurance approvals or claims.

✅ In-Patient Admissions

Get reduced charges for hospital stays and surgeries at partner hospitals, even when your insurance doesn’t fully cover the cost.

✅ Discounts on Pharmacy Medicines

Ongoing medication becomes easier on the pocket with savings at partnered pharmacies — no claims required.

✅ Emergency Care Support

Even if your emergency doesn’t lead to hospital admission, you’ll still save through Arogya Samriddhi partner facilities.

✅ Wellness, Dental & Lifestyle Services

Get access to yoga, diet counseling, mental health support, dental checkups, and more — at special member-only prices.

Simple, Hassle-Free Savings

• No claim forms
  
  

• No waiting periods
  
  

• No approvals
  
  

• No age restrictions
  
  

Just direct discounts on the spot, every time you visit a clinic, lab, pharmacy, or wellness center in the Arogya Samriddhi network.

You can also track everything digitally through our mobile app — from bookings to health records and discounts used.

Why Thousands Trust Arogya Samriddhi

• 🌐 Expanding network across cities and towns
  
  

• 💸 Just ₹100/year per person
  
  

• 📲 Instant access through the mobile app
  
  

• 🏥 Support for both urban and rural families
  
  

• 👪 Ideal for individuals, families, and senior citizens

Insurance + Arogya Samriddhi = Complete Health Protection

Relying on insurance alone is no longer enough. By adding Arogya Samriddhi to your health protection plan, you:

• Cut down your daily health expenses
  
  

• Avoid surprises and hidden costs
  
  

• Make healthcare more accessible for your whole family
  
  

Don't just insure your health — make it affordable, every single day.

👉 Start your savings journey now with Arogya Samriddhi Health Card