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Arogya Sanjeevani Health Insurance Policy

  • In-Patient Hospitalization including - AYUSH
  • 30 Days Pre & 60 Days Post-Hospitalization
  • 5 % increase in Cumulative Bonus for each claim free policy year

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Arogya Sanjeevani (For 5 Lakh)

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(Premium includes 18% GST)


Cashless Hospitalization Expenses

The policy provides cashless hospitalization up to the maximum sum insured of Rs.5 lakhs with ambulance cover-up to Rs.2000/- per hospitalization. It covers all sorts of hospitalization expenses, treatment, and medical costs. So, you can focus on your recovery while we take care of your bills.

AYUSH Treatment

The expenses incurred for alternate treatment methods like AYUSH (Ayurveda, Unani, Siddha, and Homeopathy) are also cover up to sum insured. So, it gives you an option to take other treatment methods if allopathic does not suit you.

Coverage for Cataract Treatment

comes under day care treatment that is also covered under Arogya Sanjeevani up to 25% of sum insured or Rs.40, 000/- per eye, whichever is lower.

Pre and Post-Hospitalization Medical Expenses

The policy also provides coverage for pre-hospitalization expenses up to 30 days and post-hospitalization for 60 days from the discharge date up to the sum insured.

Cumulative Bonus (CB)

You can also get a cumulative bonus for the claim-free policy year. In that case, the sum assured will be increased by 5% provided and the policy is subjected to a maximum bonus of 50% of the sum assured.


co-payment of 5% on all the claims is mandatory for all the policyholders. Rest will be paid by us.

Copyright. Care Health Insurance (formerly known as Religare Health Insurance Company Limited).

Cover Highlights

Cataract Treatment

Cataract Treatment


Diagnosis & tests


Emergency Ambulance


(more or less than 24 hrs)



Benefits of Arogya Sanjeevani Individual Health Policy

See all Sum Insured Options arrow close
Hospitalization Expenses Up to SI
AYUSH Treatment Up to SI
Cataract Treatment Up to 25% of SI or Rs.40,000/- per eye, whichever is lower
The procedures that you undergo before getting hospitalized finally lead you to a hospital, such as investigative tests and routine medication, can be quite financially draining. We cover the medical expenses incurred by you up to 30 days before your hospitalization.
30 days
We cover the relevant medical expenses such as doctor consultations, Diagnostic tests, medications etc. incurred up to 60 days post your hospitalization.
60 days
Cumulative Bonus (CB)
Max up to 50% of SI(If in case a claim has been paid; decrease in the accrued CB at same rate at which it has been accrued)
5% increase in SI per Policy Year in case of claim-free year*
Co-payment Mandatory Co-Pay of 5% on every claim
Ambulance Cover
In an emergency, we reimburse expenses incurred by you for availing a domestic road ambulance during your hospitalization.
Rs.2,000/ Hospitalization

Arogya Sanjeevani plan details

Arogya Sanjeevani Health Plan Details

  • Entry Age-Minimum

    • Individual: 5 years

    • Floater: 3 months with at least 1 member of age 18 years or above

  • Life long Renewability of policy under the then prevailing Health Insurance Product or its nearest substitute approved by IRDA.

  • Co-payment: While buying or renewing a policy at age 61 years and above, customers will have the choice to include or exclude the co-payment feature that implies -

    • Continuing the policy with 20% co-payment

    • Continuing the policy without 20% co-payment by opting for a waiver benefit.

  • Premium to be paid on renewal and the subsequent continuation of cover are subject to change with prior approval from IRDA.

  • 30 days waiting period for claim for all illnesses, except injury.

  • Grace period of 30 days to renew your policy once it expires.

  • Named ailment wait period - Some of the diseases carry 24 months wait period and few diseases have 48 months wait period (refer to policy Tnc for detail)

  • Pre existing disease wait period 48 months.

Download Terms & Conditions
  • Expenses attributable to self-inflicted injury (resulting from suicide, attempted suicide).

  • Expenses arising out of or attributable to alcohol or drug use/misuse/abuse

  • Tests and treatment relating to infertility and in vitro fertilization.

  • War, riot, strike, nuclear weapons induced hospitalization.

Please refer to policy tnc for detail exclusion



Intimate within 24 hours of your hospitalization

Planned Hospitalization

Intimate us 48 hours prior to your hospitalization



Request for pre-authorization


Claim from submission

Complete the pre-authorization form available
at the hospitals insurance/TPA Desk and send us through fax.


Approval letter sent by the claim management team


Hospital/Insured to response to the query raised by the claim management team


You may initiate the treatment and file for reimbursement claim

Submission of claim form along with required
documents, as per the policy terms & conditions


Approval letter sent by the claim management team


Insured to response to the query raised by the claim management team


We will communicate the reason in case of rejection


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Voice of our customers

Uttam Singh

review Arogya Sanjeevani health insurance policy from Care Health Insurance is highly affordable. We got health coverage of Rs. 5 Lakhs. Recommended it to peers as well!

Mahesh Chaudhary

review I bought Care’s Arogya Sanjeevani policy for myself, my spouse, and parents. Now I can rest assured to lead a healthy life, with Care Health Insurance as my insurance partner.

Varsha Varshney

review I joined hands with Care Health Insurance to buy Arogya Sanjeevani policy. Along with health insurance benefits, I also got tax exemption.

Vikas Singla

review I got the best cataract treatment for my mother under Arogya Sanjeevani health insurance policy from Care Health Insurance . Much appreciated.

Sumit Keshwani

review Cataract treatment, diagnosis & tests, post-hospitalization cover, I got it all under Arogya Sanjeevani policy. I trust Care Health Insurance for my health insurance needs.
Ankita Sharma

My appreciation for your prompt service

At the outset, I would like to express my appreciation for your prompt service in taking up the case regarding my claim. I have received timely intimation regarding the acceptance of my claim amount settled by you.

Ankita Sharma

Health Insurance

Indubala Nambiar

We will continue to avail of your scheme

Thank you for settling the claim amount. It helped me a lot during my tough time. The process is smooth and hassle-free. I will continue with Care Health Insurance and recommend it to my friends as well.

Indubala Nambiar

Health Insurance

Vikas Singh

Everything went very smooth

I would like to pass on my appreciation for Virender, who guided me during the difficult time. He helped me at every stage and didn't keep me waiting. Due to his efforts, I was relaxed and everything went very smooth.

Vikas Singh

Health Insurance

Sahil Khattar

Really helpful explaining the process in advance

I just wanted to thank you for the exceptional response from you on the recent cashless hospitalization request related to my mother's operation. You were really helpful throughout.

Sahil Khattar

Health Insurance

Aditya Sharma

Finalising my claim in a short period

I must express my profound appreciation for finalising my claim in a short period. I have heard of insurance companies holding payment or rejecting it outright on very flimsy grounds was not the case with Care health insurance, May your tribe grow more

Aditya Sharma

Health Insurance

Zeroing in on a health insurance plan for your family is a tricky choice, given the number of insurers in the market who offer similar policies. It is not wise to simply choose the policy with the lowest amount of premium. You need to compare different policies, their features and benefits. Care Health Insurance (CHI) is a specialist Health Insurer and offers products keeping in mind the needs of a customer in the event of a medical exigency. CHI offers a distinct set of benefits giving a clear choice for providing you with the best possible health insurance.


Awarded as Claims
Leader of the year


30 Lakh + Claims Settled^^


Cashless claim processing
in approx. 2 hours

^^number of claims settled as on February, 2022

What is Arogya Sanjeevani Health Insurance Policy?

The Arogya Sanjeevani Health Insurance Policy, introduced by the IRDAI, provides individuals and families with a health cover of up to Rs 5 lakh. In addition to hospitalization cover, the Arogya Sanjeevani policy coverage includes pre and post-hospitalization medical expenses, ICU charges, room rent, and modern treatments. It will also cover hospitalization expense for COVID-19 treatment. An affordable health cover, the policy will enable you and your family members get the right financial protection for any medical exigency.

At Care Health Insurance, you can opt for the individual or family floater option of Arogya Sanjeevani Health Insurance policy, thus keep your finances secure during medical emergencies.

What is the Significance of Arogya Sanjeevani Health Insurance Policy?

Has the availability of varied health insurance plans left you perplexed and clueless? You can heave a sigh of relief! The indemnity-based policy was introduced and aimed to simplify health insurance with common benefits and features across all health insurance and general insurance companies in India. However, if you are looking for a trusted insurer for seamless customer services, choose Care Health Insurance. Visit our website to select a policy and ensure a hassle-free buying experience.

Why should you buy the Arogya Sanjeevani Policy?

  • Aarogya Sanjeevani provides medical coverage at an affordable premium. It is a vital safety cover that will ensure financial protection.
  • The policyholder can save tax under Section 80D of the Income Tax Act by availing deduction on the premium paid.
  • Growing health risks and healthcare costs in our country makes health insurance the need of the hour. It will help mitigate the burden of medical bills.
  • The country witnesses the aftereffects of the COVID-19 pandemic that still pose health risks for the young and the elderly. The health policy is the right option for your family to safeguard against the new virus while getting health coverage for several other medical treatments.

Features of the Arogya Sanjeevani Policy

  • Standard health cover with a sum insured of up to Rs 5 lakh
  • Individual and family floater options available
  • In-patient hospitalization, including room rent and ICU charges
  • Ambulance Cover
  • Pre-Hospitalization Medical Expenses for 30 days
  • Post-Hospitalization Medical Expenses up to 60 days
  • Cover for Modern Medical Procedures and Treatments
  • Cover for Modern Medical Procedures and Treatments like COVID-19
  • Cumulative Bonus 5% increase in SI every claim-free policy year
  • Cataract Treatment
  • AYUSH treatment cover up to the sum insured
  • Only 5% Co-payment on every claim

Benefits of The Arogya Sanjeevani Policy

The Arogya Sanjeevani is a well-crafted health insurance policy designed to lessen the complexities of health insurance policies for the common man. It works as a safety cover that will give you the financial strength to cope with uncertainties and any medical emergency that may come unannounced!

The major benefits are listed below:

Coverage: At CHI, you can select an individual cover for each of your family members. Else, you can go for the family floater option that will cover your entire family in one policy. The maximum coverage you can opt for is up to Rs 5 lakhs. 

Low Premium Rate: The standard health policy comes at a relatively lower premium than various other health insurance plans. This feature makes Arogya Sanjeevani an affordable choice for anyone looking for a health cover in times of rising medical expenses. 

Lifelong Renewability: Although the policy restricts maximum entry age; however, with the lifelong renewability option, a policyholder can get continued coverage under the same policy, provided it is regularly renewed. 

Minimum Co-payment: Most health policies have a co-payment clause where the insured has to pay a specified percentage, usually 20%, of the claim amount. The Aarogya Sanjeevani policy has a low co-payment of 5% on all the claims for all the policyholders.

AYUSH Treatment: The expenses incurred for Ayush care treatment methods like Ayurveda, Unani, Siddha, and Homeopathy are also covered maximum up to the sum insured.

Cashless Hospitalization: You can get cashless hospitalization and treatment in more than 19000+ cashless healthcare providers.

How to Buy Arogya Sanjeevani Policy Online?

Buying the Arogya Sanjeevani health policy will not require you to go through any tedious procedures. You can simply visit our official website, choose the policy, and pay the premium.

The online mode helps you quickly review, compare, and choose policies that suit your family health needs. Our online health insurance premium calculator is useful. It enables you to create an Arogya Sanjeevani policy premium chart that makes the comparison and selection process much easier and faster. While customising your policy, you can modify the different factors and get premium rates.

Here are the steps to choose the policy online: 

  • Go to our website and click on Arogya Sanjeevani Policy
  • Click on ‘Get Quote’ after you have provided your details
  • Customise your policy by choosing the number of insured persons, age, etc.
  • Make payment through any secure digital payment mode

We will send the health policy documents on your registered email-id.

What is Covered under Arogya Sanjeevani Health Insurance Policy?

Hospitalization Cover: The policy provides comprehensive hospitalization cover, for illness, injury, or any medical treatment. It covers expenses related to room rent, boarding, nursing expenses, up to 2% of SI, subject to maximum up to Rs 5,000 per day. It also covers ICU charges up to 5% of sum insured, subject to maximum up to Rs 10,000 per day.

Pre and Post Hospitalization Medical Expenses: The indemnity-based health policy will cover pre-and-post hospitalization medical expenses incurred by the policyholder for 30 days and 60 days, respectively. 

Ambulance Expenses: The policyholder will receive coverage for ambulance costs up to Rs 2,000 per hospitalization. 

Modern Medical Treatments: We will cover the medical expenses towards modern and new-age medical procedures, such as robotic surgeries, incurred either as part of in-patient care or day care treatment up to 50% of sum insured. 

Coverage for Alternate Treatments (AYUSH): Individuals, including the elderly, who find Ayush medicine suitable can get coverage for in-patient care expenses related to any AYUSH (Ayurveda, Yoga and Naturopathy, Unani, Siddha, and Homeopathy) treatment availed at any AYUSH hospital.

Cataract Treatment Cover: The policy covers cataract treatment up to a maximum limit of Rs 40,000 or up to 25% of sum insured, whichever amount is lower.

Cumulative Bonus: You will get rewarded for not making a claim under your policy. The cumulative bonus under the Aarogya Sanjeevani plan will be increased by 5% for each claim-free year.

Modern technology treatment covered under Arogya Sanjeevani Policy

The Aarogya Sanjeevani health policy will provide coverage for various modern technology treatments, such as:

  • Balloon Sinuplasty
  • Uterine Artery Embolization and High Intensity Focused Ultrasound (HIFU)
  • Deep Brain Stimulation
  • Oral Chemotherapy
  • Immunotherapy – Monoclonal Antibody to be given as injection
  • Intra Vitreal Injections
  • Robotic Surgeries
  • Stereotactic radio surgeries
  • Bronchical Thermoplasty
  • Vaporisation of the prostrate (Green laser treatment or holmium laser treatment)
  • IONM – Intra Operative Neuro Monitoring
  • Stem Cell Therapy: Hematopoietic stem cells for bone marrow transplant for haematological conditions to be covered

What is Not covered under the Arogya Sanjeevani Health Insurance?

  • Any diagnostic expenses that are not related to the current diagnosis/ treatment
  • Expenses related to surgical treatment of obesity or weight control  
  • Medical expenses related to change of gender treatments
  • Medical expenses incurred towards any cosmetic or plastic surgery
  • Expenses related to any unproven treatment
  • Expenses arising out of the treatment of alcoholism, drug or substance abuse
  • Treatments relating to sterility and infertility
  • Medical treatment expenses related to maternity and childbirth
  • Medical expenses incurred towards domiciliary hospitalization or OPD treatment 
  • War, riot, strike, nuclear weapons induced hospitalization.
  • Medical expenses for any treatment received outside Indid

Who should buy the Arogya Sanjeevani Policy?

Young and first-time buyers: The Aarogya Sanjeevani policy provides a maximum coverage amount of Rs 5 lakh, which is usually recommended for young individuals with a small family or all the new entrants in the health insurance investment journey. The policy has standard features and makes the buying process completely easy. 

Individuals seeking affordable health insurance: Securing you and your loved ones with the best health insurance comes at a cost! However, if you want to prevent the burden of high health insurance premium costs, you can choose the Aarogya Sanjeevani plan - preferred for its affordable and comprehensive coverage.

Every family who needs protection against COVID-19: The threat against the coronavirus disease is not over yet, and hence everyone deserves the protection that health insurance plans provide. The standard health policy is beneficial for every family, as it also covers COVID-19 and various other illnesses. Besides, it has a lifelong renewability option that will give continued coverage for years to come!

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Most Frequently Asked Questions

Q. Is there an Age Limit to Avail this Plan?

Yes, the minimum entry age is 5 years for individuals and the maximum entry age is 65 years. The minimum entry age for dependent children is 3 months in a floater policy and maximum entry age is 24 years.

Q. What are the Tax Benefits of Arogya Sanjeevani Individual Health Policy?

According to section 80D, of the Income Tax Act 1961, the premium paid for Arogya Sanjeevani Individual Health Insurance is entitled to tax exemption.

Q. Is coronavirus treatment covered under the Arogya Sanjeevani health insurance policy?

The policy will cover the hospitalization expenses related to coronavirus treatment.

Q. Is there a waiting period involved in the Arogya Sanjeevani policy?

Yes. The policy includes an initial waiting period of 30 days. Further, it includes a waiting period of 48 months for pre-existing ailments and a waiting period of 24/48 months for specific diseases (as may be the case). The policyholder will be eligible to get cover for such conditions and diseases only after the waiting period is over.

Q. Do I have to pay a compulsory co-payment?

Yes. The policy has a mandatory co-payment of 5% applicable to the claim amount. The policyholder has to bear this amount, and we will pay the remaining.

Q. Can I increase my sum insured under Arogya Sanjeevani beyond the set brackets?

No. You do not have the option to increase the sum insured. The policy provides maximum coverage up to Rs 5 lakh.

Disclaimer: Information above is just for reference. Kindly read T & C of the policy thoroughly, Do refer IRDAI guidelines for tax exemption conditions.

*IBAI Claims Handbook for FY 19-20

^^Number of Cashless Healthcare Providers till 25th March 2022

Arogya Sanjeevani plan details

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