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Aditya Birla Arogya Sanjeevani Policy is an IRDAI-mandated standard health insurance plan designed to provide essential medical coverage at an affordable cost. It covers a wide range of healthcare needs, including in-patient hospitalization, pre and post-hospitalization expenses, and daycare treatments. The policy also extends coverage to AYUSH treatments, cataract surgeries, and joint replacement procedures, along with ambulance charges. Available for both individuals and families, this plan ensures comprehensive protection for basic healthcare requirements.
This page provides all details related to the Aditya Birla Arogya Sanjeevani Policy.
| PLAN DETAILS |
Aditya Birla Arogya Sanjeevani |
Star Top Up Plan |
| Product Type | Individual and Family Health Insurance | Top Up and Super Top Up |
| Key Features (Key features of the plan) |
|
|
| OPD Details (In some policies, OPD (Out patient department) expenses are also covered.) |
Not Covered | - |
|
Room Rent (A limit of room rent cover during hospitalization if any) |
Covered | - |
| Domicillary Hospitalization (It is the expenses incurred on treatment of the patient at home) |
Not Covered | - |
| Pre-hospitalization (Expenses before the insured is hospitalized) |
Covered | - |
| Post-hospitalization (Expenses after discharge from the hospital) |
Covered | - |
| Day Care Treatment Covered (Day care treatments refers to the treatments that do not necessarily require 24hrs of hospitalization like MRI.) |
Covered | - |
| Hospital_network (Number of Hospital Network in city) |
12900 | 14000 |
| Organ Donor Expenses (Expenses incurred on organ donor in case of organ transplants) |
Not covered | - |
|
Hospital Daily Allowance (Some plans offer daily allowance to take care of expenses like food, etc) |
Not covered | - |
| Ambulance Charges (Expenses incurred on ambulance charges) |
Covered | - |
|
Maternity Benefits (All Hospitalization cost covered at the time of pregnancy.) |
Not covered | - |
| New Born Baby Covered (Newborn babies can be covered under the insurance plan after a certain period) |
Not covered | - |
| Health Checkup (An added benefit of one time full health checkup of policy holder.) |
Not covered | - |
|
Sub Limit (Sub-limit is a monetary capping that applies on specific diseases like cataract) |
Covered | - |
| Co-pay (Mentioned %, if any is to be borne by Insured and rest will be borne by insurer) |
Covered | - |
| Plan Entry Age | Min- 3 months, Max- 65 years | Minimum: 91 Days to Maximum: 65 Years |
| Plan Premium Entry Age and S/A | 5,630 | - |
| Plan Waiting Period | 30 | 30 |
| Plan Coverage | In-patient hospitalization, pre and post-hospitalization expenses (up to 90/180 days), daycare treatments. | - |
| Plan Sample Premium | 5,630 | - |
| Plan Brochure | Brochure URL | Brochure URL |
| Policy Term | 1 Year | 1/2/3 Years |
| ICU Charges | Covered | - |
| Covid-19 Treatment | Covered | - |
| Cataract | Covered | - |
| Automatic Restoration | Not covered | - |
| Ayush Treatment | Covered | - |
| Modern Treatment | Not Covered | - |
| E Consultation | Not covered | - |
| Air Ambulance | Not covered | - |
| Global Coverage | Not covered | - |
| Claim Ratio | 96 | 99.06 |
| Solvency Ratio | 1.88 | 2.21 |
|
Star Health Insurance Plan Detailed Review |
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