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Arogya Sanjeevani

Arogya Sanjeevani

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About Arogya Sanjeevani

    A health insurance plan that covers you and your family against the financial risks arising out of medical contingencies while providing you the flexibility of paying in multiple frequencies like monthly, quarterly, half-yearly or annually. Enjoy discounts on premiums while we have your whole family covered.


  • FAMILY COVER: Covers entire family including parents-in-law
  • FAMILY DISCOUNT: Discount of 5% for 3-5 members, 7% for 6-7 members, 10% for > 7 members
  • NO HEALTH CHECK-UP: No pre-policy health check-up before 50 years of age
    • Adults: 18 - 65 years
    • Dependent Children: 90 days - 25 years
  • TAX EXEMPTION: Up to INR 25,000 – INR 55,000 for senior citizens under section 80D of IT Act

What is covered?

  • In-Patient Hospitalisation Expenses: Expenses covered for minimum 24 hours of hospitalisation
  • Day Care Procedures: All day care procedures covered
  • Emergency Ambulance Expenses: Maximum of INR 2000 per hospitalisation
  • Pre and Post Hospitalisation:  Covers the expenses for 30 days and 60 days respectively
  • AYUSH Coverage:  Ayurveda, Yoga & Naturopathy, Unani, Siddha and Homeopathy
  • Dental Treatment and Plastic Surgery: Necessitated due to disease or injury
  • Co-payment – 5% on every admissible claim
  • Room limits – 2% of Sum Insured up to INR 5000/- per day. ICU – 5% of Sum Insured up to INR 10000/- per day
  • Sublimit for treatments listed under the policy

What is not covered?

  • Initial Waiting Period: 30 days for all illnesses (not applicable on renewal and for accidents)
  • Waiting period of 2/4 years for treatment of listed diseases
  • Pre-Existing Disease (PED): Benefits not available for any pre-existing condition(s) until 48 consecutive months of continuous coverage
  • Any expenses incurred on domiciliary hospitalisation and OPD treatment
  • War, hostilities whether war declared or not
  • Unproven Treatments & Maternity Expenses

For detailed list of exclusions, please refer to the policy wordings on our website.


Claim Process (Cashless and Reimbursement)

Reach us on our Toll-Free number (1800-208-5544) to register your claim. Don't worry, we will guide you through the rest.

Why Chola MS?

  • 24x7 phone & email support
  • Large network of cashless hospitals
  • Unlimited claims, until the sum insured is exhausted
  • Quick & hassle-free claims


The insurance products offered here are underwritten by Cholamandalam MS General Insurance Company Limited. Please seek the advice of your insurance advisor if you require any further information or clarification. The advertisement contains only an indication of cover offered.

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