Care Arogya Sanjeevani Policy: Key Benefits and Coverage
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Arogya Sanjeevani Plan

Care Arogya Sanjeevani is an ideal health insurance plan for you and y ...Read More

Up to 1 Cr
Sum insured
1
No. of plans
158+
Pan India presence
97%
Claim settlement ratio
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🛡️ IRDAI Approved
⭐ 4.4/5 · 2,714 reviews
🏥 11,400+ hospitals
📊 1.74 solvency ratio
✅ 97% claim settlement

About Arogya Sanjeevani Plan

A quick read on what this Care Health Insurance plan covers and why it might be a fit for you.

Arogya Sanjeevani was first introduced by IRDAI (Insurance Regulatory and Development Authority of India) in 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 family 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 per 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 considering Care Arogya Sanjeevani as the right health plan for you and your family, we can help you make that decision.

Plan at a glance

Eligibility, sum insured options and policy mechanics — pulled straight from the policy wording.

Entry age
Min- 3 month, Max- 65 years
Plan type
Individual and Family Health Insurance
Sum insured options
₹1 L, ₹2 L, ₹3 L, ₹4 L, ₹5 L, ₹6 L, ₹7 L, ₹8 L, ₹9 L, ₹10 L
Waiting period
30 days
Renewability
Lifelong
Policy term
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.

Pros & cons

A quick honest summary — the strengths and the trade-offs.

Pros

  • AYUSH treatment
  • Affordable premium
  • Lifelong renewability
  • Tax benefit

Cons

  • Change of gender treatment
  • Obesity treatment unavailable
  • Hazardous activity not covered

What's covered

Every CMS-driven coverage flag from the plan wording — only items with a published value render below.

Hospitalization

  • Room rent Covered
  • ICU charges Covered
  • Pre-hospitalization Covered
  • Post-hospitalization Covered
  • Domiciliary hospitalization Not covered
  • Day-care treatment Covered
  • OPD charges Not covered
  • Covid-19 treatment Covered
  • Cataract Covered

Bonuses & restoration

  • No-claim bonus Covered
  • Automatic restoration of SI Not covered
  • Daily hospital cash Not covered

Family & special care

  • Maternity cover Not covered
  • New-born baby cover Not covered
  • IVF treatment Not covered
  • AYUSH treatment Covered
  • Organ donor expenses Not covered

Modern & preventive care

  • Modern treatment Covered
  • Road ambulance Covered
  • Air ambulance Not covered
  • E-consultation Not covered
  • Health check-up Not covered
  • Second medical opinion Not covered
  • Vaccination Not covered

Conditions & global

  • Co-payment Covered
  • Sub-limits Covered
  • Compassionate travel Not covered
  • Global coverage Not covered

Care Arogya Sanjeevani Health Plan Benefits

On investing in the Care Arogya Sanjeevani Health Policy, you and your family members are entitled to the following perks and benefits:

  • Regular Increase In Sum Insured Value: On filing zero claims throughout the policy year, you are entitled to a 5% increase in your sum insured, subject to a maximum of 50% per policy year. This allows you to enjoy an enhanced sum insured amount which will be added to your base sum insured and can be utilized later.
  • Avail Advanced Treatments: Secure yourself and your family members with the promise of advanced and modern treatments for listed ailments as per the policy schedule.
  • Tax Benefits: You are eligible to avail of tax benefits under Section 80D of the Income Tax Act of 1961 when investing in the Care Arogya Sanjeevani Health Plan along with the numerous medical care benefits mentioned in the policy schedule.
  • Covers Cataract Treatment: A common ailment in senior citizens, the Care Arogya Sanjeevani Policy offers cataract treatment subject to sub-limits mentioned in the policy schedule. It is beneficial for those who require medical care coverage for their parents.
  • Diagnostics and Tests Covered: Care Arogya Sanjeevani health policy covers you and your family members against all expenses related to diagnostics and tests prescribed by the doctor.

Care Health Insurance Network Hospital List

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.

Delhi Mumbai Bengaluru Chennai Kolkata Hyderabad Pune Ahmedabad Jaipur Lucknow

Know More About Network Hospitals →

Sample premium

Indicative premium examples — your actual quote depends on age, declared medical history, sum insured and add-ons.

Care Arogya Sanjeevani Premium Table

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.

1 Adult

Sum Insured (In Rs.) 5 L
Premium (In Rs.) 6,013

1 + 1 Adult

Sum Insured (In Rs.) 5 L
Premium (In Rs.) 9,932

2 Adults + 1 Child

Sum Insured (In Rs.) 5 L
Premium (In Rs.) 12,350

Inclusions & exclusions

What the plan pays for, and what it doesn't.

Exclusions

  • 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

Who can buy this plan

Eligibility criteria pulled straight from the policy wording.

  • Entry age: 5 years
  • Max entry age: 65 years
  • SI: 5 L
  • Waiting period: 30 days

Other features & benefits

Conclusion

Care Arogya Sanjeevani is an ideal health insurance plan for you and your family if you are looking for basic healthcare 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.

Care Arogya Sanjeevani Policy: FAQs

The 5 most-asked questions about Arogya Sanjeevani Plan, answered.

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.

Conclusion

Arogya Sanjeevani is a basic, standardized health insurance plan designed by IRDAI, offering essenti

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Written and reviewed by

PolicyX content is researched in-house and reviewed by an IRDAI-certified insurance specialist before publication.

Written by Naval Goel — Founder & CEO, PolicyX.com Reviewed by Manoj Kumar — IRDAI-certified Health Insurance Specialist
Last updated: 24 Jan 2024 · Originally published: 19 Nov 2024

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