Network hospitals
24800+
Claim settlement ratio
100%
Sum insured
Up to 1 Cr
No. of Plans
1
Solvency Ratio
1.8
Pan India Presence
158+
Health and Term Insurance
Simran is an insurance expert with more than 4 years of experience in the industry. An expert with previous experience in BFSI, Ed-tech, and insurance, she proactively helps her readers stay on par with all the latest Insurance industry developments.
Health, Term & Life Insurance
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Updated on Apr 08, 2025 5 min read
Arogya Sanjeevani was first introduced by IRDAI (Insurance Regulatory and Development Authority of India) in the year 2020 to provide a standard and affordable healthcare plan to the citizens of India.
Care Arogya Sanjeevani Policy is an affordable healthcare plan providing you and your families with the right healthcare needs. Under this policy, you are covered for expenses incurred for AYUSH treatment, pre and post-hospitalization expenses, ambulance cover, modern treatments, and lifelong renewability as subject to the policy schedule. A sum insured of INR 5 lakh is promised to all policyholders availing of this health plan. In case of a planned or unplanned hospitalization, 22,900+ care network hospitals across India are available for effective medical care for you and your family members. If you are thinking about Care Arogya Sanjeevani being the right health plan for you and your family, worry not as we can help you in making that decision.
Health Insurance Plans
Choose 1st Plan
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Health Insurance Plan
To understand Arogya Sanjeevani Plan Insurance in detail, take a look at the below table:
Min- 3 month, Max- 65 years
Individual and Family Health Insurance
1 L | 2 L | 3 L | 4 L | 5 L | 6 L | 7 L | 8 L | 9 L | 10 L
30 Days
Lifelong
1 year
*Initial Waiting Period is the time period between the issuance of the policy and the time it starts actively. During this period, a policyholder has to wait to avail of the benefits offered under a health insurance plan.
With wide coverage options available, Arogya Sanjeevani Plan Insurance Plan allows you to choose your ideal coverage as per your family’s health requirements. Take a look at the coverage under every SI option available and choose your ideal coverage:
Room Rent
Covered
ICU Charges
Covered
Pre-Hospitalization
Covered
Post-Hospitalization
Covered
Domiciliary Hospitalization
Not Covered
Daycare Treatment
Covered
OPD Charges
Not Covered
COVID-19 Treatment
Covered
Cataract
Covered
No Claim Bonus
Covered
Automatic Restoration
Not Covered
Daily Hospital Cash
Not Covered
Organ Donor
Not Covered
Maternity Cover
Not Covered
New Born Baby Cover
Not Covered
AYUSH Treatment
Covered
IVF Treatment
Not Covered
Modern Treatment
Covered
Ambulance
Covered
Air Ambulance
Not Covered
Compassionate Travel
Not Covered
Global Coverage
Not Covered
E-Consultation
Not Covered
Health Check-Up
Not Covered
Second Medical Opinion
Not Covered
Vaccination
Not Covered
Co-payment
Covered
Sub-limits
Covered
The room rent limit is the maximum bed charge you can claim if you are hospitalised. Common Room categories covered under room rent are all kinds of rooms including single, private and AC rooms (except suite).
It is a special hospital department where patients with serious medical conditions are treated.
Medical expenses incurred before hospitalisation of the policyholder.
Medical expenses incurred after the discharge of the policyholder from the hospital.
Domiciliary hospitalization or home care treatments are the arrangements for an insured individual due to the unavailability of medical amenities in hospitals, or in a case where an insured member can not be admitted to the hospital due to an inability. The treatment should last equal to or more than 72 hours to get financial coverage.
Treatments that can be completed within 24 hours of hospitalization like blood dialysis, cataracts, etc.
Covers the cost of doctor consultations and prescribed medical tests that may not require hospitalization. .
It includes the treatment cost for COVID-19 with a confirmative diagnosis from a government-approved centre.
A common eye condition in which your vision gets blurred due to cloudy formation in your eyes.
For every claim-free year, insurance companies reward policyholders with an increase in the sum insured amount as a no-claim bonus or cumulative bonus on policy renewal. However, in the case of a claim, this bonus amount either lapses or is reduced by a certain percentage varying from one plan to the other.
It is a benefit in which an insurance company restores the amount of sum insured completely or up to a certain percentage after it gets fully exhausted in treatments. This restoration amount may vary from one plan to the other.
Daily hospital cash or Hospicash is a cash amount that you receive each day during the time of hospitalization to cover your non-medical expenses.
It is a cover that includes the cost of the procedure for removing the damaged or malfunctioning organs from the body. In most of the cases, the insurer pays for the hospitalization and transplant expenses for both the parties i.e. the donor and the receiver.
It refers to the cover that includes expenses for normal and c-section deliveries.
It takes care of the medical expenses that arise due to the hospitalisation of the newborn baby in case of any childbirth complications, medical challenges, and so on. Some of the common treatments that are covered under the newborn cover and these common treatments can vary from plan to plan:
Refers to the cost of medicines and procedures used under AYUSH (Ayurveda, Yoga & Naturopathy, Unani, Siddha, and Homeopathy) treatment.
In Vitro Fertilization (IVF) is a method of assisted reproductive technology. The common expenses incurred under IVF and infertility treatments are settled or reimbursed for:
Medical treatments that demand the use of modern technology and advanced machinery such as robotic surgeries, stem cell therapy, etc.
An ambulance is used to move the patient from home to the hospital, transfer them to another hospital, and take them for different tests outside the hospital.
Air ambulances are specially prepared planes that transfer the patient from one place to another in case of a health emergency.
Refers to the travelling expenses of a family member who’s visiting the hospital to look after the patient when the policyholder gets admitted to a hospital outside his/her residential city.
Any kind of medical/health emergency when you are outside of India is covered for hospitalization expenses, modern and specific treatments, etc.
If a policy offers e-consultation it allows policyholders to connect with a doctor for medical consultation through video chat, audio call, or chatbot.
A facility where the policyholder can avail of free health check-ups after fulfilling the company's eligibility criteria. In most cases, the insured member/s gets an annual health check-up cover.
If the policyholder wants, they may opt for a second medical opinion wherein the policyholder can consult another doctor within the company’s network of medical practitioners.
Coverage against the expenses incurred on vaccinations of either the newborn baby, for an animal bite, etc is provided by the insurance companies.
In the co-payment clause, policyholders have to pay a preset amount (either compulsorily or voluntarily) of the hospitalisation expense on their own and the insurer will pay the rest of the medical bill amount.
Sub limit is a condition in which the insurer will have to pay the medical expense up to a certain percentage and the remaining amount will have to be paid by the policyholder. For instance, if your policy covers room rent for upto 20% of the sum insured, but the expense of the same is more than 25%, you will have to pay the rest amount, i.e. 5%, for your room rent.
On investing in the Care Arogya Sanjeevani Health Policy, you and your family members are entitled to the following perks and benefits
Care Health Insurance Network Hospitals are present in 31 states nationwide. With a wide network of hospitals, Care Health Insurance ensures that you are medically secured, irrespective of the city you reside in.
Premiums calculated for Arogya Sanjeevani Health Plan are on an individual and family floater basis for a sum insured amount of INR 5 lakhs including GST for your reference. For further premium details contact our team of experts at PolicyX
| Sum Insured (In Rs.) | 5 L |
| Premium (In Rs.) | 6,013 |
| Sum Insured (In Rs.) | 5 L |
| Premium (In Rs.) | 9,932 |
| Sum Insured (In Rs.) | 5 L |
| Premium (In Rs.) | 12,350 |
Permanent diseases or health conditions that are not included under the Care Arogya Sanjeevani health plan are mentioned below
Injury or diseases caused due to involvement in illegal activities
Hospitalization caused due to adventure sports
Change of gender treatments
Plastic surgeries or cosmetic treatments
Treatment for obesity
Certain diseases and treatments are covered under this plan after a specific period which is mentioned below
Pre-existing diseases 48 Months
Specific Ailments 24/48 Months
Care Arogya Sanjeevani is an ideal health insurance plan for you and your family if you are on the lookout for basic health care coverage at affordable premium rates. The policy was designed by IRDAI and is sold by all insurance providers in India. Provided on an individual and family floater basis, the Care Arogya Sanjeevani policy has something for everyone in your family.
To cater to the different medical needs of an individual & their family, Care Health Insurance offers several Health Plans ranging from senior citizen plans to specialized plans for autistic children, to health insurance for cardiac patients, and many more.Take a look below to Care Health Insurance plans explore more:
Individual and Family Health Insurance
The Ultimate Care health insurance plan by Care Health is designed to provide comprehensive coverage to the policyholder with a range of benefits. Thi...
Unique Features
Critical Illness Health Insurance
Care Heart is a unique plan launched by Care Health Insurance that provides the flexibility to choose from benefits like Active heart health check-ups...
Unique Features
Individual and Family Health Insurance
Care Plus health insurance is a complete healthcare plan that is loaded with features and protects you and your family. Care Plus offers comprehensive...
Unique Features
Family
Get coverage based on your residential zone. Care Classic health insurance is a family floater health plan ideal for married couples, joint families, ...
Unique Features
Family
A top-up plan based on policy deductible principle Care Enhance is a super top-up health insurance plan that provides extra health insurance coverage ...
Unique Features
Women Health Insurance
An ideal combination of hospitalization and maternity care. Care Joy health insurance is designed specifically for expecting mothers and their newborn...
Unique Features
Individual and Family Health Insurance
Single health insurance to cover all family members. Care health insurance plan is a comprehensive medical policy for individuals and families. It is ...
Unique Features
Senior Citizen Health Insurance
Care Senior Citizen is specially designed to offer coverage for individuals above 60 years of age. It offers flexibility to choose the sum insured tha...
Unique Features
Critical Illness Health Insurance
Critical Mediclaim Care health insurance policy gives you protection against 32 defined critical illnesses based on an indemnity plan. This super-faci...
Unique Features
Individual and Family Health Insurance
Free yourself from the worries of healthcare. As the name suggests, Care Freedom is the plan that allows you to be worry-free in every situation. Thi...
Unique Features
Individual and Family Health Insurance
Care Supreme is an extensive coverage health insurance plan that safeguards you and your family members without worrying about your future healthcare ...
Unique Features
Accident Health Insurance
Care Secure personal accident policy covers accidental death, permanent and temporary partial/total disability, recovering treatment costs, accidental...
Unique Features
Critical Illness Health Insurance
Worried about cancer in your bloodline? Care Cancer Mediclaim has got you covered. Cancer can be defined as distress, hopelessness and loss. There cou...
Unique Features
Individual and Family Health Insurance
Care Advantage Health Insurance is an ideal 1 Crore option so that a policyholder's family is adequately covered. Care Advantage health insurance offe...
Unique Features
Individual and Family Health Insurance
Care Operation Insurance Plan is designed specifically to offer you surgical operations coverage. A wide range of sum insured options are available ra...
Unique Features
Individual and Family Health Insurance
Arogya Sanjeevani was first introduced by IRDAI (Insurance Regulatory and Development Authority of India) in the year 2020 to provide a standard and a...
Unique Features
PolicyX.com premium calculator offers premium comparison for some of the best health plans in India. You can input your details and check out some of the most suitable health insurance policies for your specific requirements. This is the easiest, most efficient, spam and gimmick-free way to buy health insurance today.
It is a standard and affordable health insurance plan launched by IRDAI for individuals and families. Care Arogya Sanjeevani provides medical cover to individuals between the age groups of 5 to 65 years and dependent children between the age groups of 3 months to 25 years.
You and your family can avail of these features when purchasing the Care Arogya Sanjeevani health plan Ambulance Cover Pre and Post Hospitalization Cataract Treatment AYUSH Treatment In-Patient Hospitalization Cumulative Bonus, and more
The minimum entry age for the plan is 5 to 65 years. While dependent children can be covered from 3 months of age up to 25 years.
The cumulative bonus available under the Care Arogya Sanjeevani Plan for you and your family is 5% of SI up to a maximum of 50% of SI for every claim-free year.
Yes, Care Arogya Sanjeevani health plan offers cashless hospitalization for planned and unplanned treatments across 22,900+ hospitals nationwide.
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Simran is an insurance expert with more than 4 years of experience in the industry. An expert with previous experience in BFSI, Ed-tech, and insurance, she proactively helps her readers stay on par with all the latest Insurance industry developments.
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February 5, 2023
Asia/Kolkata
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