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Care Arogya Sanjeevani Health Insurance

254 reviews Rate This
Care Health Insurance
Arogya Sanjeevani Policy
Cashless Approval TATWithin 2 hours
Claim Settlement Ratio93.00%
Network Hospitals24,800+
Pre-existing Disease Coverage FromDay 1
Special BenefitsNo Extra Premium for Disease Coverage
Starting Premium for Rs. 5 lakhs coverageRs. 546/month

About Care Arogya Sanjeevani Health Insurance

Arogya Sanjeevani Policy by Care Health Insurance (Religare) is a newly launched indemnity-based health insurance policy. It is a unique product by Religare Health Insurance that protects you and your family in case of hospitalisation required due to any illness/sickness/disease/accident. The standard plan provides the basic health insurance cover of sum insured options ranging between Rs. 1 Lakh and Rs. 5 Lakh (in the multiples of 50,000). You can purchase this policy either on an individual or floater basis to cover Self, Spouse, Dependent Children, Parents, and Parents-in law. The policyholders can enjoy the utmost flexibility when it comes to paying the premium for this policy. They can pay it in Monthly, Quarterly, Half-yearly, and Annual installments.

Religare Arogya Sanjeevani Policy is an annual policy. You can renew it thereafter. It is a good option as it covers pre and post hospitalisation expenses. Some other benefits that the policyholders enjoy under this policy are - cover for in-patient hospitalisation expenses, cover for plastic surgery and dental treatment necessitated due to disease or injury, a cumulative bonus of 5% for every claim-free year up to 50%, 15 days free look period, and portability benefit.

Read more: Arogya Sanjeevani Policy

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Key Inclusions and Exclusions of the Plan

What's Included

  • Cover for all daycare procedures up to 50% of the sum insured
  • Road ambulance expenses for up to Rs. 2,000 per hospitalisation
  • Pre and post-hospitalisation expenses for up to 30 and 60 days respectively
  • Cataract expenses for up to 25% of the sum insured or Rs. 40,000 whichever is lower
  • In-patient hospitalisation expenses for AYUSH treatments, up to sum insured limit
  • Dental & plastic surgery due to a disease or injury

What's Not Included

  • Expenses related to sterility and infertility
  • Expenses traceable to childbirth except for ectopic surgery
  • Expenses related to rest cure, rehabilitation, and respite care
  • Expenses arising due to surgical treatment of obesity/weight control
  • Expenses incurred on any treatment required due to participation in adventure sports
  • Expenses related to hospitalisation for the purpose of evaluation or investigation

6003 Care Cashless Network Hospitals in India

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Arogya Sanjeevani Policy User Reviews

4.7
Rating based on
254 User reviews
Write your review
What users are saying
  • All
  • Availed Arogya Sanjeevani Poli...

    Buying Care Health Insurance’s Arogya Sanjeevani Policy from InsuranceDekho was very simple. I got to know about this standard health insurance plan and was looking for the best offer. On the website, I found the policy at a reasonable rate. I purchased it without any delay.

    Read More

    T
    By Tirtha Goswami
    On: Jan 12, 2021
  • The best site for health insur...

    InsuranceDekho is the best health insurance website I know. After perusing the website just once I was convinced to buy insurance from here. Their convenient facilities helped me to choose the Arogya Sanjeevani Policy of Care Health Insurance.

    Read More

    S
    By Sushmita Mazumder
    On: Nov 19, 2020
  • Happy with the services

    I have bought Arogya Sanjeevani Policy by Care health insurance from insurancedekho and I must say I’m quite impressed by the quick services and assistance provided by the team of insurancedekho.

    Read More

    A
    By Ashika Arya
    On: Oct 20, 2020
  • High Claim Settlement Ratio

    I purchased Religare Arogya Sanjeevani Policy from InsuranceDekho last month because the insurer has a good Claim Settlement Ratio. When I made a claim, they approved my request within a few hours and I availed cashless treatment.    

    Read More

    R
    By Rajat Kukreja
    On: Jun 17, 2020
  • Good policy for family

    Religare Arogya Sanjeevani Policy is a good health insurance policy for families that covers us against many healthcare expenses. Also, I was looking for an affordable plan and this is it. Thanks to InsuranceDekho for suggesting this plan.   

    Read More

    F
    By Farah Jindal
    On: Jun 17, 2020
View All Arogya Sanjeevani Policy Reviews

Care Arogya Sanjeevani Policy Brochure

  • 475.23 KB
  • PDF Document
  • May 07, 2020
Download PDF

Claim Process at Care Health Insurance

  • Network Hospital
  • Non-Network Hospital
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation within 24 hours and for planned hospitalisation intimate within 48 hours prior to admission.
  • 3

    Claim Processing

    Fill in the pre-authorisation form and hand it over to hospital's insurance/TPA desk to initiate claim request.
  • 4

    Claim Settlement

    Once your request is approved, claim is settled. If not approved, claim for reimbursement after discharge.
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation within 24 hours and for planned hospitalisation intimate within 48 hours prior to admission.
  • 3

    Claim Processing

    Submit claim form with original documents such as doctor’s reports, hospital bills, diagnostic tests, etc.
  • 4

    Claim Settlement

    Once your request for reimbursement of expenses is approved, the claim will be settled.

FAQs on Arogya Sanjeevani Policy Health Insurance Plan

  • What is the minimum and maximum age limit to be the Proposer for this policy?

    Anyone aged between 18 years to 65 years can be the Proposer of this policy.  

  • Who all can be covered under this policy?

    You can cover Self, Legally wedded Spouse, Dependent Children, Parents, and Parents-in law under this policy.

  • What is the policy term?

    The policy term is of 1 year. The policy needs to be renewed annually. 

  • What are the floater combinations under this policy?

    The following floater combinations can be availed under this policy-

    • 1 Adult+1 Child
    • 1 Adult+2 Children
    • 1 Adult+3 Children
    • 1 Adult+4 Children
    • 2 Adults
    • 2 Adults+1 Child
    • 2 Adults+2 Children
    • 2 Adults+3 Children
    • 2 Adults+4 Children

  • Which modern treatments are covered under this policy?

    The policy covers the following modern or new age treatments for up to 50% of the sum insured limit:

        • Balloon Sinuplasty
        • Oral Chemotherapy
        • Uterine Artery Embolization and High Intensity Focused Ultrasound
        • Deep Brain Stimulation
        • Bronchial Thermoplasty
        • Robotic Surgeries
        • Intra vitreal injections
        • Immunotherapy-Monoclonal Antibody to be given as an injection
        • Vaporisation of the prostrate
        • Intra Operative Neuro Monitoring
        • Stereotactic radio surgeries 

  • What is the general waiting period under this policy?

    The policyholders need to complete a general waiting period of 30 days from the date of commencement of the policy to avail of any benefit under Arogya Sanjeevani Policy, Religare Health Insurance. 

  • What is the waiting period for pre-existing diseases under this policy?

    Pre-existing diseases are covered after a waiting period of 48 months of continuous coverage under this policy. 

  • Does the policy offer lifetime renewability benefit?

    Yes. The policy guarantees renewability for a lifetime. 

  • Is there any co-payment clause under this policy?

    Yes. A co-payment of 5% is applicable on every admissible claim. 

  • Can I pay the premium in instalments for this policy?

    Yes. You can pay the premium in monthly, Quarterly, Half-yearly, and Annual instalments for this policy. 

View More Questions

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