Care Arogya Sanjeevani Policy (Formerlly known as Religare Arogya Sanjeevani Policy)

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      Care Arogya Sanjeevani Policy (Formerlly known as Religare Arogya Sanjeevani Policy)

      Arogya Sanjeevani policy by Care Health is a standardised product that offers basic hospitalisation cover to the customers.  The policy was commenced from April 01, 2020 and is provided by all the insurers including Care Arogya Sanjeevani Policy (Formerlly known as Religare Arogya Sanjeevani Policy) provider. The policy is ideal for those who cannot afford a higher premium and the coverage amount is between Rs 1 lakh and Rs 5 lakh. Check out what the Care Health Arogya Sanjeevani Policy has to offer:

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      Features of Care Health Arogya Sanjeevani Policy

      Some of the prominent features of this policy are given below:

      • People above the age of 65 years can buy the policy for their family members if not self
      • The coverage amount ranges from Rs 1 lakh to Rs 5 lakh
      • Arogya Sanjeevani plan offers coverage on both individual and on family floater basis
      • If you are between the age group of 18 and 65 years, then you can buy this plan
      • And your children between the age group of 3 months and 25 years are also eligible to be covered under the same plan
      • Care Health provides a grace period of 30 days to renew the Arogya Sanjeevani policy, which needs to be renewed on an annual basis
      • A co-payment of 5% applies to all the claims, which means that the policyholder needs to pay an amount equal to 5% of the medical expenses
      • Arogya Sanjeevani Policy does not provide an add-on or optional covers
      • However, Care Health Arogya Sanjeevani plan offers a special cover for dental expenses and plastic surgery due to an illness or injury

      Eligibility Criteria for Care Health Arogya Sanjeevani Policy

      Sum Insured

      Rs 1 Lakh – Rs 5 Lakh

      Entry Age Minimum

      Individual- 5 years

      Floater- 1 member to be 18 years and 3 months for a child

      Entry Age Maximum

      Children: 24 years

      Adult: 65 years

      Policy Term

      1 Year

      Coverage

      Individual/Family Floater

      Members Covered

      Self, spouse, parents, children, parents-in-law

      Renewability

      Lifelong

       No Claim Bonus

      5-50%

      Inclusions of Care Health Arogya Sanjeevani Policy

      Care Health Arogya Sanjeevani offers compensation for the following medical expenses:

      • The policy offers in-patient hospitalization cover including Ayush treatment up to the sum insured limit
      • Pre and post hospitalization expenses are covered for 30 days and 60 days respectively
      • The policy also covers expenses incurred on cataract treatment up to the specified limit
      • Ambulance expenses are also covered up to a limit of Rs 2000
      • Care Health Arogya Sanjeevani plan covers all day-care treatments
      • Cumulative bonus of 5% is offered for every claim-free year

      Exclusions of Care Health Arogya Sanjeevani Policy

       Care Health Arogya Sanjeevani health scheme does not cover the following medical expenses:

      • Pre-existing diseases are not covered until the completion of the waiting period
      • Any disease or illness that is contracted in the initial 30 days of the policy purchase date, only accidental cases are covered
      • HIV/AIDS treatment is not considered
      • Treatment and illnesses due to the overdose of alcohol and drugs are not covered
      • Self-inflicted injuries, suicidal attempts and symptoms of depression and mental disorders are not eligible for insurance claim
      • Any type of congenital and inherited diseases are not paid by the insurer

      Care Health Arogya Sanjeevani Policy Renewal

      To ensure continuous comprehensive health insurance coverage for yourself and your family, make sure to renew your Arogya Sanjeevani policy on time. Policy renewal can be done online through Policy Bazaar’s website. Renewal premium payment can also be paid online using net banking, credit card, or debit card.  And the three simple renewal steps are given below:

      • Click on the click on renew tab available on the top right- hand corner of the page
      • Enter your policy number and date of birth to initiate the renewal process
      • Before renewal, it is suggested that you compare different plans and go through Care Health Insurance (Formerly known as Care Health Health Insurance) reviews online and then make an informed decision
      • Once you select the plan and pay the premium, you receive your policy wording on email and via courier

      Policy Terms

      • Pre-existing diseases are covered after a waiting period of 48 months
      • 30-days initial waiting period shall apply for all illnesses except for injuries
      • Some of the diseases can only be covered after a waiting period of 24 months
      • 5% co-payment clause is applicable on all the claims

      Care Health Arogya Sanjeevani Health Insurance Claim Process

      The claim procedure is usually the same as most of the health insurance companies, but sometimes it may vary. Aforementioned is the claim process for Care Health Arogya Sanjeevani Mediclaim policy –

      Immediately intimate your insurer by sending a claim request. You need to inform within 24 hours in case of emergency hospitalization and for planned hospitalization, you need to intimate within 48 hours.

      Cashless Treatment in Network Hospitals

      For cashless request for pre-authorization, follow the below mentioned process:

      • Email or fax the pre-authorization form, which you can find at the TPA or insurance desk of the
      • You can download it from the insurer’s site as well.
      • The claim management team will send you the letter of approval if the claim request is
      • approved
      • If there is any query regarding your claim, then the insurance company will contact the hospital
      • for the same
      • If it’s not approved, you will need to request for reimbursement claim

      Reimbursement claim Process in Non-network Hospitals:

      • Submit the claim form along with other required documents as mentioned at the time of policy purchase
      • You need to address the queries raised by the claim management team of the insurance company
      • Either you will receive a letter of approval or rejection after submitting the form

      Documents Required for Claim

      For claim reimbursement following documents needs to be submitted:

      • Duly filled and signed claim form
      • Patient’s photo id proof
      • Doctor’s prescription advising hospitalization
      • Bills/ receipts/discharge summary
      • Diagnostic reports
      • OT Reports
      • MLR/FIR as per the case
      • KYC for claims above Rs 1 Lakh
      • Any other document as required after case assessment

      Care Health Arogya Sanjeevani Policy FAQs

      Policybazaar exclusive benefits
      • 30 minutes claim support*(In 120+ cities)
      • Relationship manager For every customer
      • 24*7 claims assistance In 30 mins. guaranteed*
      • Instant policy issuance No medical tests*
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      *We will respond in the first instance within 30 minutes of the customers contacting us. 30-minute claim support service is for the purpose of giving reasonable assistance to the policyholder in pursuance of the claim. Settlement of claim (including cashless claim) is the responsibility of the insurer as per policy terms and conditions. The 30- minute claim support is subject to our operations not being impacted by a system failure or force majeure event or for reasons beyond our control. For further details, 24x7 Claims Support Helpline can be reached out at 1800-258-5881.

      *Product information is authentic and solely based on the information received from the Insurer. Policybazaar is acting only as a facilitator and claims settlement shall be at the sole discretion of the Insurer. Policybazaar does not provide any medical or surgical advice or diagnosis and is not responsible for your interactions / treatment by a medical practitioner/hospital. Please consult a registered medical practitioner for any medical or surgical advice. The Information that you obtain or receive from Policybazaar, and its employees, or otherwise on the Website is for informational purposes only. As per the Insurance guidelines, you are allowed to cancel the policy with-in 30 days from the date of Issuance of policy.This option is available incase of policies with a term of one year or more.

      *All the health insurance plans cover hospitalization expenses including COVID-19 treatment cover up to the specified limits. You can also buy specific COVID-19 health insurance policies such as Corona Kavach Policy and Corona Rakshak policy.

      **All savings and online discounts are provided by insurers as per IRDAI approved insurance plans. #Tax Benefits are subject to changes in tax laws. GST Exemptions depend on fulfilment of qualification criteria and submission of relevant documents.

      *₹1748/month is the starting price for a 1 crore health insurance for an 18-year-old male, with no pre-existing diseases. Discount on renewal premium is subject to the number of wellness points earned in the health insurance policy. For more details about the plans, please read the sale brochure carefully to get upto 100% discount on renewal premium.

      *₹400/month is the starting price for ₹ 5 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹541/month is the starting price for ₹ 10 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹762/month is the starting price for ₹ 1 Crore Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹243/month(₹ 8/day) is the starting price for a 5 lakh health insurance for a 20-year-old male, non-smoker, living in Bengaluru with no pre-existing diseases

      *₹2020/month is the starting price for ₹ 1 Cr Health insurance for a 50 year old male & 50 years old female, living in Bangalore with no pre-existing diseases rounded off to nearest 10.

      *₹390/month (₹13 per day) is starting price for 1 cr. Health insurance for 25 years old male, with pre-existing diseases, residing from tier 1 city rounded off to the nearest 10.

      *No medical tests are required unless requested by the insurer’s underwriter. In-case of pre-existing diseases relevant medical proof would be required as per the terms and condition of the policy opted.

      *The values taken for effective cost calculation are indicative values and may change as per the selected plan.

      *Coverage upto double the amount of Sum Insured is available on certain covers for a minimum plan of Rs. 5 Lakh on the first claim only to an individual of upto 45 years of age with no pre-existing diseases. The benefit is available with or without extra cost depending on the plan chosen.

      *Coverage of pre-existing diseases is provided by insurer as per their underwriting policy.

      *The scope of coverage may vary from plan to plan.

      ~Source: Google Review Rating available on:- http://bit.ly/3J20bXZ

      ##On ground claim assistance is available in 114 cities

      Tax Benefits are subject to changes in tax laws. GST Exemption depends on fulfilment of qualification criteria and submission of relevant documents as required by the insurers. For more details on risk factors, terms and conditions, please read the sales brochure and applicable rules and regulation carefully before concluding a sale.

      STANDARD TERMS AND CONDITIONS APPLY. For more details on risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale.

      Policybazaar is a registered Composite Broker |Registration No. 742, Valid till 09/06/2024, License category- Composite Broker| Visitors are hereby informed that their information submitted on the website may be shared with insurers.

      Policybazaar Insurance Brokers Private Limited | CIN: U74999HR2014PTC053454 | Registered Office - Plot No.119, Sector - 44, Gurgaon, Haryana - 122001 Contact Us | Legal and Admin Policies

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