Network hospitals
14000+
Claim settlement ratio
99.06%
Sum insured
2 CR
No. of Plans
21
Solvency Ratio
1.7
Pan India Presence
815
Network hospitals
14000+
Claim settlement ratio
99.06%
Sum insured
2 CR
No. of Plans
21
Solvency Ratio
1.7
Pan India Presence
815
Star Health Arogya Sanjeevani is a Health Insurance that safeguards you and your family from the financial burden and stress during hospitalization. Arogya Sanjeevani Policy Star Health provides the insured comprehensive benefits at affordable premium rates.
Arogya Sanjeevani policy star health has been developed to cater to the needs of those looking for complete coverage at an affordable price. With time, medical costs have been on a constant rise for decades and are expected to keep increasing, purchasing the Arogya Sanjeevani Insurance Policy Star Health might help the insured stay financially secure in the face of medical emergencies.
Arogya Sanjeevani Policy 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. Arogya Sanjeevani Policy Star Health allows you to opt for a family floater plan that will cover self, spouse, and dependent children between 3 months and 25 years. Additionally, you can buy this plan for parents and parents-in-law as well.
Star Health Insurance Plan Detailed Review
All about Star Health Insurance and Plans
91 days to 25 years
18 years to 65 Years
Individual / Family Floater
1 year
1 L | 1.5 L | 2 L | 2.5 L | 3 L | 3.5 L | 4 L | 4.5 L | 5 L | 5.5 L | 6 L| 6.5 L | 7 L | 7.5 L | 8 L | 8.5 L | 9 L | 9.5 L | 10 L
30 Days
*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.
With wide coverage options, Star Health Arogya Sanjeevani Health plan lets you customize your health insurance plan as per your requirements:
In-patient & Out-patient coverage
Room Rent
2% of SI
ICU Charges
5% of SI
Pre-Hospitalization
Covered, up to 30 days
Post-Hospitalization
Covered, up to 60 days
Domiciliary Hospitalization
Not Covered
Daycare Treatment
Covered
OPD Charges
Not Covered
Coverage Terms
COVID-19 Treatment
Covered
Cataract
Covered Up to 25% of SI
No Claim Bonus
Available up to 50% of SI
Automatic Restoration
Not Available
Daily Hospital Cash
Not available
Organ Donor
Not Covered
Maternity Cover
Not Available
New Born Baby Cover
Not Available
Alternative Treatments
AYUSH Treatment
Covered up to SI
IVF Treatment
Not Available
Modern Treatment
Available
Emergency Coverage
Ambulance
Covered Up to 2K
Air Ambulance
Not Available
Compassionate Travel
Not Available
Global Coverage
Not Available
Wellness Programmes
E-Consultation
Not Available
Health Check-Up
Not Available
Second Medical Opinion
Not Available
Vaccination
Not Available
Limitations
Co-payment
Applicable, 5% co-pay on all claims
Sub-limits
Available
The room rent limit is the maximum amount of bed charge that you can claim if you are hospitalized.
Common room categories covered under room rent are:
Coverage status under Star Health Arogya Sanjeevani Plan?
Under Star Health Arogya Sanjeevani Plan, the room rent is 2% of SI to a maximum of Rs.5000/- per day.
The Intensive Care Unit (ICU) is a hospital special department where patients with severe medical conditions are treated.
Coverage status under Star Health Arogya Sanjeevani Plan?
Under Star Health Arogya Sanjeevani Plan, the room rent is 5% of SI to a maximum of Rs.10,000/- per day.
Medical expenses incurred before the hospitalization of the policyholder.
Coverage status under Star Health Arogya Sanjeevani Plan?
This plan covers medical expenses incurred during pre-hospitalization for up to 30 days.
Medical expenses incurred after the discharge of the policyholder from the hospital.
Coverage status under Star Health Arogya Sanjeevani Plan?
This plan covers medical expenses incurred during post-hospitalization for up to 60 days.
Home hospitalization arrangement for the insured person due to unavailability of medical amenities in hospitals. The treatment should last equal to or more than 72 hrs to get financial coverage.
Coverage status under Star Health Arogya Sanjeevani Plan?
Under Star Health Arogya Sanjeevani Plan, domiciliary hospitalization is not covered.
Treatments that can be treated in less than 24 hours of hospitalization like blood dialysis, cataract, etc.
Coverage status under Star Health Arogya Sanjeevani Plan?
This plan covers the expenses of all daycare procedures.
Covers the cost of doctor consultation and prescribed medical tests that may not require hospitalization.
Coverage status under Star Health Arogya Sanjeevani Plan?
Not covered under the plan.
COVID-19 treatment includes the cost of treatment for COVID-19 with a confirmative diagnosis from Govt. an approved center.
Coverage status under Star Health Arogya Sanjeevani Plan?
COVID-19 treatment coverage is available under this plan. However, an initial waiting period of 30 days is applicable for COVID-19-related expenses under this policy.
A common eye condition in which your vision gets blurred.
Coverage status under Star Health Arogya Sanjeevani Plan?
The plan covers 25% of the Sum Insured or Rs.40,000/- whichever is lower for cataract expenses.
For every claim-free year, insurance companies reward policyholders with an increase in the Sum Insured amount as a no-claim bonus on policy renewal. However, in the case of a claim, this bonus amount either lapses or is reduced by a certain percentage that varies from plan to plan.
Coverage status under Star Health Arogya Sanjeevani Plan?
The cumulative Bonus will be increased by 5% in respect of each claim-free policy year to a maximum of 50% of the sum insured.
Automatic restoration is a benefit in which an insurance company restores the sum insured amount completely or up to a certain percentage after it gets fully exhausted in treatments. This restoration amount may vary from plan to plan.
Coverage status under Star Health Arogya Sanjeevani Plan?
Not Available.
It is a cash amount that you receive each day during the time of hospitalization.
Coverage status under Star Health Arogya Sanjeevani Plan?
The Daily hospital cash is not available under the plan.
It is a cover that includes the cost of the procedure for removing the damaged or malfunctioning organs from the body.
Coverage status under Star Health Arogya Sanjeevani Plan?
Under the plan, Organ Donor expenses are not covered.
It refers to the cover that includes expenses for normal and c-section procedures deliveries.
Coverage status under Star Health Arogya Sanjeevani Plan?
Maternity expenses are not covered.
It takes care of the medical expenses that arise due to the hospitalization of the newborn baby in case of unforeseen circumstances. Some of the common treatments that are covered under the newborn cover are listed below and these common treatments can vary from plan to plan:
Coverage status under Star Health Arogya Sanjeevani Plan?
Not covered
Refers to the cost of medicines and procedures used under AYUSH (Ayurveda, Yoga & Naturopathy, Unani, Siddha, and Homeopathy) treatment.
Coverage status under Star Health Arogya Sanjeevani Plan?
Covered Up to SI.
In Vitro Fertilization (IVF) is a method of assisted reproductive technology. The common expenses incurred under IVF and infertility treatments are for:
Coverage status under Star Health Arogya Sanjeevani Plan?
Not available.
Medical treatments that demand modern technology such as robotic surgeries, stem cell therapy, etc.
Coverage status under Star Health Arogya Sanjeevani Plan?
Twelve modern treatments Covered up to 50% of SI.
An ambulance is used to move the patient from home to hospital, transfer to another hospital, and take them for different tests outside the hospitals.
Coverage status under Star Health Arogya Sanjeevani Plan?
Available, up to INR 2K.
Air ambulances are specially prepared planes that transfer the patient from one place to another in case of a health emergency.
Coverage status under National Arogya Sanjeevani Plan?
Not Covered.
Refers to the traveling expenses of a family member of the insured person in case the policyholders get admitted to a hospital outside his/her residential city.
Coverage status under Star Health Arogya Sanjeevani Plan?
Not available
Any kind of medical/health emergency when you are outside of India.
Coverage status under Star Health Arogya Sanjeevani Plan?
Not available
If a policy offers E-consultation it allows policyholders to connect with a doctor for medical consultation through video chat, audio call, or chatbot.
Coverage status under Star Health Arogya Sanjeevani Plan?
The plan does not cover the expenses for e-consultation.
A facility where the policyholder can avail free health check-ups after fulfilling the company's policies.
Coverage status under Star Health Arogya Sanjeevani Plan?
Not Covered.
If the policyholder wants, they may opt for a second medical opinion wherein the policyholder can consult another doctor within the company’s network of medical practitioners.
Coverage status under Star Health Arogya Sanjeevani Plan?
Not Covered.
Coverage against the expenses incurred on vaccinations is provided by the insurance companies.
Coverage status under Star Health Arogya Sanjeevani Plan?
The plan does not cover vaccination expenses.
In the co-payment clause, policyholders have to pay a portion of the hospitalization expense on their own and the insurer will pay the rest of the amount.
Coverage status under Star Health Arogya Sanjeevani Plan?
Applicable, 5% co-pay on all claims.
Sub limit is a condition in which the insurer will have to pay the medical expense up to a certain percentage and the remaining amount will have to be paid by the policyholder.
Coverage status under Star Health Arogya Sanjeevani Plan?
Applicable
Room rent: 2% of the Sum Insured subject to a maximum of INR 5000/- per day.
ICU/ICCU expenses: 5% of the Sum Insured subject to a maximum of INR 10,000/-
Cataract surgery: 25% of the Sum Insured or INR 40,000/-
Road Ambulance: INR 2000/- per hospitalization.
Listed Modern Treatment Methods: 50% of hospitalization Sum Insured.
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.
Permanent diseases or health conditions that are not included under Star Health Arogya Sanjeevani plan are:
Hospitalization out of war, riot, strike, and 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 certain time period. Read the details below:
Listed ailments after 24/48 Months
Pre-existing diseases after 48 Months
To understand how much premium an amount one needs to pay, let us go through the below example wherein we have illustrated the sample premiums.
Sum Insured (in Rs.) | 1 Lakhs | 5 Lakhs | 7 Lakhs | 10 Lakhs |
Premium Payable | 2,985 | 4,170 | 4,820 | 5,580 |
Get tax relief under section 80D
Avail policy discounts
Portability benefit
Avail lifelong renewability
Amount paid towards the premium of this plan is eligible for tax relief under Section 80D of the Income Tax Act, 1961.
For identified Rural areas, a discount of 20% is available on the premium.
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.
While the eligibility for the purchase of Star Health Arogya Sanjeevani Policy is limited to those between the ages of 18 to 65 years, this policy provides lifelong renewability as long as it is renewed on time. By doing so, the insured can enjoy endless benefits like coverage of PED, cumulative bonus, etc.
To cater to the different medical needs of an individual & their family, Star Health offers several Health Plans. Along with Star Health Arogya Sanjeevani Policy, there are other plans to choose from. Take a look below to explore more:
A special plan designed for women, wherein women can avail multifold benefits along with the coverage to the whole family.
Unique Features
The plan is specially designed for those individuals who are willing to secure their old-age medical needs after their retirement.
Unique Features
This policy is designed to provide complete protection against all health care eventualities to you and your family.
Unique Features
The plan is ideal for the families who want to get covered under single sum insured.
Unique Features
Star Cardiac Care is ideal for those individuals who want to cover the expenses of cardiac & non-cardiac ailments.
Unique Features
The plan offers additional coverage to the policyholder in case their existing coverage is exhausted.
Unique Features
This plan is for individuals who want to protect themselves and their families against the deadliest virus of Covid-19.
Unique Features
Covers the risk of spreading/recurrence of first cancer (metastasis) & second cancer (second malignancy)
Unique Features
Star Special Care provides coverage to children (3 years to 25 years) who are diagnosed with Autism Spectrum Disorder.
Unique Features
Designed specifically for diabetic persons. Hospitalization related to diabetes and non-diabetic problems is covered under this plan.
Unique Features
It covers the cost of hospitalization if the policyholder tested positive for COVID-19.
Unique Features
This policy offers 100% sum insured to the policyholder if he/she tested positive for COVID-19.
Unique Features
A standard health plan mandated by IRDAI that covers all essential healthcare benefits including Ayush treatment, day care procedures, etc. for individuals and families.
Unique Features
A uniquely designed insurance policy that covers organ donor expenses up to sum insured, AYUSH treatments, modern treatments, and many more.
Unique Features
Provides flexibility in terms of choosing the Sum Insured amount, premium amount, family size. It can be a perfect tax saver for you.
Unique Features
Provides reimbursement of hospitalization expenses and also provides a total amount of sum insured if the insured person is diagnosed with a major illness.
Unique Features
Created for young individuals under 40 years of age. It also offers various benefits such as discounts on renewals, incentive-led wellness programs, lowest waiting periods.
Unique Features
An individual and floater basis rural plan with SI of 1 lakh and 2 lakh respectively. Comes with installment on premiums and lifelong renewal.
Unique Features
An OPD coverage policy with an individual and family floater option and 4 SI variants. Comes with 3 plan variants: Silver, Gold and Platinum.
Unique Features
An accidental coverage policy for individuals and families and comes with high sum insured. The policy gives cumulative bonus and multiple discounts.
Unique Features
See More Health Insurance Articles
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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:
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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