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Arogya Sanjeevani Health Insurance

Arogya Sanjeevani Health Insurance Policy

Arogya Sanjeevani Plan is a standard and affordable health cover providing individuals and families with the right financial protection during medical contingencies.

  • In-Patient Hospitalisation including - AYUSH
  • 30 Days Pre & 60 Days Post-Hospitalisation
  • 5 % increase in Cumulative Bonus for each claim free policy year
Cashless Healthcare Providers^^
48 LAKH+
Insurance Claims Settled**
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What is Arogya Sanjeevani Insurance Policy?

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

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


What are the Benefits of The Arogya Sanjeevani Health Policy?

The Arogya Sanjeevani health insurance is a well-crafted health insurance policy designed to lessen the complexities of health insurance policies for the common person. It is 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:



You can select an individual cover for each family member. Otherwise, you can choose 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

Arogya Sanjeevani policy premium is relatively lower than various other health insurance plans. This feature makes Arogya Sanjeevani an affordable choice for anyone looking for health coverage in times of rising medical expenses.


Lifelong Renewability

The policy restricts the maximum entry age however, with the lifelong renewability option, an insured can get continued coverage under the same policy with regular renewals. You can also choose to renew the Arogya Sanjeevani policy online.


Minimum Co-Pay

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 claims.


AYUSH Benefits

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


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Arogya Sanjeevani Health Plan

A Standard Health Plan for You & Your Loved Ones

  • Health Cover with SI up to 5 Lakhs
  • AYUSH Treatment Cover up to SI
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1 Crore Health Plan

Health Insurance with Higher Sum Insured

  • Upto 50% No Claim Bonus
  • Individual or Floater Option
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Individual Health Insurance

A Safety Net that Protects You Against Medical Emergencies

  • Plan starting from 25 lakhs and going up to 6 Crores
  • An add-on offering unlimited e-consultations

What is the importance of Arogya Sanjeevani Health Insurance Policy?

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

  • Aarogya Insurance 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.
  • Our country's growing health risks and healthcare costs make 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.

What is Covered Under Arogya Sanjeevani Health Plan?

Arogya Sanjeevani policy includes numerous features with broad coverage that are both practical and simple to understand for the insured. Following are the Arogya Sanjeevani Policy's coverage specifics:


Hospitalisation Cover

The policy provides comprehensive cover for illness, injury, or any medical treatment. It covers expenses related to room rent, boarding, and nursing expenses


Cashless Hospitalisation

You can get cashless hospitalisation and treatment from more than 22900+ cashless healthcare providers.


Pre and Post-Hospitalisation Expenses

The indemnity-based health policy will cover pre-and-post hospitalisation 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. You can buy Arogya Sanjeevani policy online and try the Arogya Sanjeevani Policy premium calculator to know your exact premium amount.


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 daycare treatment up to 50% of the sum insured.


Coverage for Alternate Treatments (AYUSH)

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 the sum insured, whichever amount is lower.


Cumulative Bonus

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

Arogya Sanjeevani Policy Premium Chart and Calculator

Age Group Arogya Sanjeevani Policy Premium (SI 5 Lakhs)
18-35 Rs 5481-6013
36-45 Rs 7351-8531
46-55 Rs 10852-13814
56-65 Rs 16598-21936
66-75 Rs 25201-29317
75 Above Rs 33808 Approx.

The Latest Treatments that Fall Under Arogya Sanjeevani Policy

Arogya Care Plan provides coverage for many latest treatments. The Aarogya Sanjeevani health policy will provide coverage for various modern technology treatments, such as:

  • Balloon Sinuplasty
  • Uterine Artery Embolisation and High-Intensity Focused Ultrasound (HIFU)
  • Deep Brain Stimulation
  • Oral Chemotherapy
  • Immunotherapy – Monoclonal Antibody to be given as an injection
  • Intra Vitreal Injections
  • Robotic Surgeries
  • Stereotactic radio surgeries
  • Bronchial Thermoplasty
  • The 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

How to Buy Arogya Sanjeevani Policy?

Buying the Arogya Sanjeevani Plan will not require you to undergo tedious procedures. You can 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's 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 Arogya Sanjeevani by Care Health Insurance 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 to your registered email-id.

How to raise a claim against Arogya Sanjeevani Policy?

If you have to make a claim, the cashless hospitalisation option or the reimbursement option is available. The procedure for making a claim under the Arogya Sanjeevani healthcare policy is as follows.

Cashless Claims Process Reimbursement Claims Process
Step 1: From a list of more than 22900+ hospitals, select our network hospital. The list of Care Network hospitals is available here. Step 1: Send an email to telling us about the hospitalisation.
Step 2: Present your E-card and UHID to the hospital assistance desk and ask them to start the cashless hospitalisation process. Step 2: Settle the hospital bills out of your own money.
Step 3: Your claim will be resolved as per the policy's terms and conditions. Step 3: Submit the necessary documents that our support team will need in order to complete your claim. Your claim will be resolved under the terms and conditions of the policy after the claim papers have been validated.

How do I renew my Arogya Sanjeevani policy?

Arogya Sanjeevani Policy is valid for one financial year from the date of purchase. In order to continue the advantages of a policy, you need to renew it every year. You can renew your Arogya Sanjeevani policy online or offline at your convenience. You can visit the nearest branch office for offline policy renewal. To make it easy for you, below are the steps to renew your policy online:

  • Go to the official website of Care Health Insurance 
  • Click on the ‘Renew’ tab present on the right side of the page
  • A new window will open asking for your existing policy details
  • Enter the Policy Number, DOB and Contact Number along with the Captcha and click on ‘Lets Renew’ 
  • You will be redirected to the payment page
  • Select your preferred mode of payment and pay the premium amount
  • After successful completion of the payment, you will receive policy documents on your registered email ID

If you face any problems renewing your policy, kindly email us at

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 plans 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!

Voice Of Customer

Rahul Sangwan

My appreciation for your prompt service

Recently, I’ve purchased JOY Maternity insurance for my expecting wife and my experience was excellent with the claim settlement team who helped me deal with all the formalities smoothly. Thank you for making my decision the right one!

Rahul Sangwan

Health Insurance

Samanway Barik

We will continue to avail of your scheme

I ported my healthcare plan last year; it is the wisest decision I made by choosing Care Health Insurance. I recently got admitted due to a viral infection, and all my expenses got covered under my plan.

Samanway Barik

Health Insurance

Soubhagya K Kulkarni

Everything went very smooth

Thank you for helping me when I needed help the most, being in the hospital. Buying Care’s health insurance plan is my best decision so far.

Soubhagya K Kulkarni

Health Insurance

Vaibhav Rai

Really helpful explaining the process in advance

Thank you for helping me with your fastest claim settlement process. I didn’t have to wait much for the approval. Everything was quick and seamless.

Vaibhav Rai

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 Best
Health Insurance Company of the year^


48 LAKH+ Claims Settled*



^India Insurance Summit & Awards 2023


Q. What are the eligibility Criteria for Arogya Sanjeevani Policy?

For an individual policy, a person above the age of 5 years and a maximum of 65 years can be insured under the policy where the proposer's age is above 18 years. Under a family floater policy, you can insure up to 6 members from the age of 3 months to 65 years, where one person's age is above 18 years.

Q. Why should you choose the Arogya Sanjeevani Policy from Care Health Insurance?

Care Health Insurance is countries second largest standalone health insurance provider, which increases your chances of claim settlement.

Q. Can NRIs buy Arogya Sanjeevani Policy?

Yes, any NRI can buy Arogya Sanjeevani Health Insurance Policy, but they need to be present in India when purchasing the policy. Also, the premium amount should be paid in Indian currencies or through an Indian bank account.


Q. Do I need a medical test to buy this policy?

The insured may be asked to undergo a pre-policy medical checkup based on the selected sum insured and age as per underwriting criteria. 

Q. Are pre-existing diseases covered under Arogya Sanjeevani Insurance Policy?

Yes, the policy 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. Is Arogya Sanjeevani Policy cashless?

Yes, you can get a cashless hospitalisation facility under Arogya policy if you choose to get treatment at our 22900+ healthcare providers.

Q. What are the tax benefits of Arogya Sanjeevani Personal Health Insurance?

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 by Arogya Sanjeevani health insurance?

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

Q. What is the waiting period in the Arogya Sanjeevani policy?

The policy includes an initial waiting period of 30 days from the policy starting date, and any claims arising will not be compensated except claims arising due to accidents.

Q. What is not covered by Arogya Sanjeevani Health Insurance?

Any diagnostic expenses that are not related to the current diagnosis/ treatment or expenses related to surgical treatment of obesity or weight control. Medical expenses related to change of gender treatments, cosmetic or plastic surgery. Expenses arising out of the treatment of alcoholism, drug or substance abuse. Treatments relating to sterility and infertility, maternity and childbirth. Medical expenses incurred towards domiciliary hospitalisation or OPD treatment and permanent exclusions.

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

#The premium starts @₹470/month for 1 year policy tenure for individuals of 18-24 years age. Overall premium is subject to change.

~Tax benefit is subject to changes in tax laws. Standard T&C Apply

^^Number of Cashless Healthcare Providers as of 31st March 2024

^10% discount is applicable for a 3-year policy

**Number of Claims Settled as of 31st March 2024

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