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Care Arogya Sanjeevani Policy

Arogya Sanjeevani- a standard health insurance product that provides basic hospitalisation expenses to families and individuals along with Covid-19 treatment cover.

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Reasons to Choose Care Health Insurance?

21100+ CASHLESS HEALTHCAREPROVIDERS^^
95.2% INSURANCE CLAIMSETTLEMENT RATIO^
30 LACS+ CLAIMS SETTLEDSUCCESSFULLY^

What is Care Arogya Sanjeevani Policy?

Arogya Sanjeevani is a standard health insurance cover introduced by the IRDAI during the outbreak of COVID-19. With common features throughout the insurers, this indemnity-based policy was implemented with the goal of simplifying health insurance by providing common benefits and features to all health insurance and general insurance companies in India. The IRDAI's Arogya Sanjeevani Health Insurance Policy provides individuals and families health insurance coverage of up to Rs 5 lakh.

You can choose the individual or family floater option of the Arogya Sanjeevani Health Insurance policy at Care Health Insurance to keep your finances protected during medical emergencies. Arogya Sanjeevani policy coverage includes, in addition to hospitalisation, pre and post-hospitalisation medical expenses, ICU charges, room rent, and modern treatments. It will also cover the cost of hospitalisation for COVID-19 treatment. The policy, which is reasonably priced, will provide you and your family with adequate financial protection in the event of a medical emergency.

Plan Highlights of Care Arogya Sanjeevani Policy

Standard health insurance with a maximum sum insured of Rs 5 lakh.
There are both individual and family floater options available.
In-patient hospitalisation, including room and board and ICU fees.
Ambulance cover.
Medical expenses cover for 30 days prior to hospitalisation.
Medical expenses incurred following hospitalisation for up to 60 days.
Coverage for Contemporary Medical Procedures and Treatments.
COVID-19 cumulative bonus 5% increase in SI after each claim-free policy year.
Cataract treatment coverage.
AYUSH treatment coverage up to the insured amount.
Only 5% co-payment on each claim.

Cover Highlights

Cataract Treatment

Diagnosis & tests

Emergency Ambulance

hospitalization
(more or less than 24 hrs)

Post-hospitalization
Expenses

Benefits of Arogya Sanjeevani Individual Health Policy

See all Sum Insured Options

KEY FEATURES	5L
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
Pre-Hospitalization 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
Post-Hospitalization 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 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 the age of 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 a 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 T&C for detail)
Pre existing disease wait period 48 months.

Download Terms & Conditions

Expenses incurred as a result of self-inflicted injury (resulting from suicide, attempted suicide).
Expenses incurred as a result of or related to alcohol or drug use/misuse/abuse
Infertility tests and treatments, including in vitro fertilisation.
Hospitalisation caused by war, rioting, strikes, and nuclear weapons.

Please refer to policy tnc for detail exclusion

STEP1

Emergency

Intimate within 24 hours of your hospitalization

Planned Hospitalization

Intimate us 48 hours prior to your hospitalization

STEP2

Cashless

Request for pre-authorization

Reimbursement

Claim from submission

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

Approval

Approval letter sent by the claim management team

Query

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

Rejected

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

Approval letter sent by the claim management team

Query

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

Rejected

We will communicate the reason in case of rejection

Voice of our customers

Uttam Singh

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

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

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

Vikas Singla

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

Sumit Keshwani

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.

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

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

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

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

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

Choosing a health insurance plan for your family can be difficult, given the number of insurers in the market that offer similar policies. It is not advisable to simply select the policy with the lowest premium. You must compare various policies, including their features and benefits. Care Health Insurance is among the renowned health insurers for serving the industry with comprehensive coverage for a long time. The health insurance products of CHIL are tailored to a customer's needs in the event of a medical emergency. CHI provides a distinct set of benefits, giving you a clear choice for 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

FAQs

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Most Frequently Asked Questions

Q. Is there an Age Limit to Avail Arogya Sanjeevani 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 the 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 hospitalisation expenses related to coronavirus treatment.

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

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. 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

^IBAI Claims Handbook for FY 19-20. Claim Settlement Ratio is for FY 19-20 and number of claims settled till February 2022.

^^Number of Cashless Healthcare Providers till 31st Dec 2022

**Price mentioned is for an adult aged between 18-24 with a sum insured of 5 lac for a year.

Care Arogya Sanjeevani Policy

Reasons to Choose Care Health Insurance?

What is Care Arogya Sanjeevani Policy?

Plan Highlights of Care Arogya Sanjeevani Policy

Cover Highlights

Benefits of Arogya Sanjeevani Individual Health Policy

Arogya Sanjeevani Health Plan Details

Voice of our customers

FAQs

Q. Is there an Age Limit to Avail Arogya Sanjeevani Plan?

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

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

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

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

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