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

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.

Why do we recommend this?
  • Regular Increase In Sum Insured Value
  • Avail Advanced Treatments
  • Covers Cataract Treatment

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

A quick look at what this plan covers — and what it doesn't.

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 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 →

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

Frequently Asked Questions

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: 1 Jun 2026 · Originally published: 19 Nov 2024

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