Care Arogya Sanjeevani Policy Health Insurance

Arogya Sanjeevani Policy
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  • 7,400+ Network Hospitals
    Check in your City
  • 6,91,739 Policies Issued
  • 55% Incurred Claim Ratio
  • Lifelong Renewability
  • 92.83% Claim Settlement Ratio on FY19
  • 100% In-House Claim Settlement
  • Coronavirus (COVID-19) Cover

About Care Arogya Sanjeevani Policy 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. 

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

Arogya Sanjeevani Policy Reviews

What users are saying
  • High Claim Settlement Ratio

    I purchased Religare Arogya Sanjeevani Policy from InsuranceDekho last month because the insurer has a good Cl...

    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 h...

    Read More
    F
    By Farah Jindal
    On: Jun 17, 2020
  • Good services by InsuranceDekh...

    I had heard about good services of InsuranceDekho but experienced it myself too when I recently purchased Reli...

    Read More
    V
    By Vinny Yadav
    On: Jun 17, 2020
  • Easy to understand policy

    Religare Arogya Sanjeevani Policy is a great policy that not only offers wide coverage to me and my family but...

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    S
    By Shreya Aggarwal
    On: Jun 14, 2020
  • Nice features under the plan

    I recently bought Religare Arogya Sanjeevani Policy from InsuranceDekho because it offers cover against basic ...

    Read More
    G
    By Gauri Kapoor
    On: Jun 13, 2020

Care Arogya Sanjeevani Policy Brochure

  • 475.23 KB
  • PDF Document
  • May 07, 2020

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.

Arogya Sanjeevani Policy FAQs

  • 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. 

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