Care Arogya Sanjeevani Health Insurance
Cashless Approval TAT | Within 2 hours |
Claim Settlement Ratio | 93.00% |
Network Hospitals | 24,800+ |
Pre-existing Disease Coverage From | Day 1 |
Special Benefits | No Extra Premium for Disease Coverage |
Starting Premium for Rs. 5 lakhs coverage | Rs. 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
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FAQs on Arogya Sanjeevani Policy Health Insurance Plan
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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.
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What is the policy term?
The policy term is of 1 year. The policy needs to be renewed annually.
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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
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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