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Star Health Arogya Sanjeevani Plan
Star Health Insurance
Star Arogya Sanjeevani
This policy has been created to cover the most essential clinical aspe ...Read More
Up to 1 Cr
Sum insured
1
No. of plans
850+
Pan India presence
99.06%
Claim settlement ratio
🛡️ IRDAI Approved
⭐ 4.4/5 · 2,758 reviews
🏥 14,000+ hospitals
📊 2.21 solvency ratio
✅ 99.06% claim settlement
About Star Arogya Sanjeevani
A quick read on what this Star Health Insurance plan covers and why it might be a fit for you.
Star Health Arogya Sanjeevani is a Health Insurance policy that safeguards you and your family from the financial burden and stress during hospitalization. The Arogya Sanjeevani Policy from Star Health provides comprehensive benefits at affordable premium rates.
The Arogya Sanjeevani policy by Star Health has been developed to cater to the needs of those looking for complete coverage at an affordable price. With medical costs constantly rising for decades and expected to keep increasing, purchasing the Arogya Sanjeevani Insurance Policy from Star Health can help the insured stay financially secure in the face of medical emergencies.
The Arogya Sanjeevani Policy from Star Health is an indemnity-based health insurance policy that offers coverage up to Rs. 10 lakh on an individual and floater basis for in-patient hospitalization expenses, daycare treatments/procedures, COVID-19 treatment, AYUSH treatment, and more. This policy allows you to opt for a family floater plan that covers self, spouse, and dependent children between 3 months and 25 years. Additionally, you can buy this plan for parents and parents-in-law.
Plan at a glance
Eligibility, sum insured options and policy mechanics — pulled straight from the policy wording.
Entry age
18 years to 65 Years
Plan type
Individual and Family Health Insurance
Sum insured options
₹1 L, ₹1 L, ₹2 L, ₹2 L, ₹3 L, ₹3 L, ₹4 L, ₹4 L, ₹5 L, ₹5 L, ₹6 L, ₹6 L, ₹7 L, ₹7 L, ₹8 L, ₹8 L, ₹9 L, ₹9 L, ₹10 L
Waiting period
30 days
Renewability
Lifetime
Policy term
1 year
*Initial Waiting Period is the time period between the issuance of the policy and the time it starts actively. During this period, a policyholder has to wait to avail of the benefits offered under a health insurance plan.
Pros & cons
A quick honest summary — the strengths and the trade-offs.
Pros
- Affordable Plan
- 50% No Claim Bonus
- Flexible Policy
- Day Care Procedures Covered
- Up to 25% of SI for Cataracts
Cons
- 5% Co-payment
- Obesity Treatment Unavailable
- Hazardous Activity not covered
- HIV/AIDS not covered
- Cosmetic Surgery unavailable
What's covered
Every CMS-driven coverage flag from the plan wording — only items with a published value render below.
Hospitalization
- Room rent Covered
- ICU charges Covered
- Pre-hospitalization Covered
- Post-hospitalization Covered
- Domiciliary hospitalization Not covered
- Day-care treatment Covered
- OPD charges Not covered
- Covid-19 treatment Covered
- Cataract Covered
Bonuses & restoration
- No-claim bonus Covered
- Automatic restoration of SI Not covered
- Daily hospital cash Not covered
Family & special care
- Maternity cover Not covered
- New-born baby cover Not covered
- IVF treatment Not covered
- AYUSH treatment Covered
- Organ donor expenses Not covered
Modern & preventive care
- Modern treatment Not covered
- Road ambulance Covered
- Air ambulance Not Coverage
- E-consultation Not covered
- Health check-up Not covered
- Second medical opinion Not covered
- Vaccination Not covered
Conditions & global
- Co-payment Applicable
- Sub-limits Applicable
- Compassionate travel Not covered
- Global coverage Not covered
Video reviews
Walkthroughs from the PolicyX team — pros, cons, real claim experiences and who should buy.
Star Health Arogya Sanjeevani Policy
All about Star Health Insurance and Plans
Star Health Insurance Plan Detailed Review
Star Health Arogya Sanjeevani Plan Benefits
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Tax Benefits
Premiums paid for this plan are eligible for tax benefits under Section 80D of the Income Tax Act, 1961.
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Discounts
A 20% discount on the premium is available for identified rural areas.
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Lifelong Renewability
While the entry age for the Star Health Arogya Sanjeevani Policy is 18 to 65 years, the policy offers lifelong renewability if renewed on time. This allows insured individuals to continue enjoying benefits like coverage for Pre-Existing Diseases (PED) and cumulative bonuses.
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Portable Policy
The Star Health Arogya Sanjeevani Policy offers a portability feature. This option must be exercised at least 45 days, but not earlier than 60 days, before the policy renewal date.
Star Health Insurance Network Hospital List
Star Health Insurance Network Hospitals are present in 31 states nationwide. With a wide network of hospitals, Star Health Insurance ensures that you are medically secured, irrespective of the city you reside in.
Inclusions & exclusions
What the plan pays for, and what it doesn't.
Exclusions
- Permanent diseases or health conditions that are not included under the Star Health Arogya Sanjeevani plan are:
- Hospitalization due to war, riot, strike, or nuclear weapons
- Intentional self-injury
- AIDS
- Miscarriage and abortion
- Congenital disease
- Infertility and in vitro fertilization
- Certain diseases and treatments are covered under this plan after a specific waiting period. Read the details below:
- Listed ailments after 24 or 48 months
- Pre-existing diseases after 48 months
Who can buy this plan
Eligibility criteria pulled straight from the policy wording.
- Entry Age: - 3 Months
- Max Entry Age: - 65 Years
- SI: - 1 L to 10 L
- Waiting Period: - 30 Days
Other features & benefits
- Lifelong Renewal
- Road Ambulance Cover
- Day Care Procedures Covered
- AYUSH treatment Cover
- Rural Discount
Star Arogya Sanjeevani Plan: FAQs
The 8 most-asked questions about Star Arogya Sanjeevani, answered.
It is an insurance plan designed by the IRDAI offering high benefits and is affordable. Arogya Sanjeevani Star Health can be purchased on an individual and family floater basis offering a Sum insured of up to 10L.
Individuals can buy Arogya Sanjeevani policy Star Health between 18 to 65 years old. Dependent children between 3 months to 25 years old can be covered under this policy.
You are covered for in-patient hospitalization, pre-hospitalization, post-hospitalization, daycare procedures, modern treatment, covid-19, and more.
The policy term for Arogya Sanjeevani Star Health is for 1 year.
Yes, pre-existing diseases are covered after a waiting period of 48 months from the policy inception date.
Yes, Star Health Arogya Sanjeevani Policy comes with a portability feature which means you can port this policy. This option, however, needs to be exercised at least 45 days before but not earlier than 60 days from the policy renewal date.
You have to submit these documents for making a successful claim in the star health comprehensive plan: Health card Prescription documents issued by the doctor Discharge summary from the hospital Original medical bills All investigative reports in original Hospital records KYC documents if your claim amount is more than INR 1 lakh The claim form, filled and signed NEFT and KYC details for reimbursement claims Medico-legal certificate or FIR in case of accidental hospitalization
Individuals above the age of 50 years of age will have to undergo pre-acceptance health screening at the company’s nominated centers.
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PolicyX content is researched in-house and reviewed by an IRDAI-certified insurance specialist before publication.
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