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Star Arogya Sanjeevani Health Insurance

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Star Health Insurance
Arogya Sanjeevani Policy
Cashless Approval TAT90% Cashless claim settlement within 2 hrs
Claim Settlement Ratio89.90%
Network Hospitals14,000+
Pre-existing Disease Waiting Period1 year
Special BenefitsNo Extra Premium for Disease Coverage
Starting Premium for Rs. 5 lakhs SIRs. 410/month

About Star Arogya Sanjeevani Health Insurance

Arogya Sanjeevani Policy offered by Star Health and Allied Insurance Co Ltd is a standard product that aims to offer financial protection to you and your family in times of medical emergencies. This medical insurance policy offers protection on the individual or floater sum insured basis to people who are aged between 18 years to 65 years at the time of entry. Dependent children are covered under the policy with either of their parents. Star Arogya Sanjeevani Policy allows you to include yourself, spouse, dependent children, parents, and parents-in-law for the sum insured ranging from as low as Rs. 50,000 up to Rs. 10 Lakh. It is a simple policy, yet loaded with essential benefits. Read further to know more about the Star Arogya Sanjeevani Health Insurance.

Arogya Sanjeevani Policy Star Health Details at a Glance

Check the features of Arogya Sanjeevani Policy Star Health Insurance Policy in given table below:

Coverage

Family and individual

Riders

Reduction in PED Waiting period, critical illness rider, OPD rider

Variants

N/A

Key features

Flexible sum insured, 1 year policy term, Additional discounts, etc

Inclusion

AYUSH treatment, Modern treatment, Day care procedures, etc

Exclusion

Infertility treatment, Obesity control treatment, Expenses due to involvement in adventurous activities, etc

Key Features of Star Arogya Sanjeevani Health Insurance

Listed below are some of the features of Star Health Arogya Sanjeevani Insurance:

  • Coverage Type: The Star Arogya Sanjeevani Health Insurance can be availed both as an individual or family insurance plan. As the plan is available as both a family and individual plan, it can be customised as per individual needs. It is thus a flexible policy that can be customised.
  • Wellness Program: On buying Star Arogya Sanjeevani Health Insurance, policyholders can also get additional discounts. The Star Wellness Program rewards individuals who lead a healthy lifestyle and are fit.
  • Coverage: Coverage includes expenses of medicines that you consume during your stay at the hospital, road ambulance service, cataract surgery, dental and AYUSH treatment, and modern treatment.
  • Affordable Premiums: As Star Arogya Sanjeevani Health Insurance has a sum insured starting at Rs. 50,000, it offers extensive health insurance coverage at affordable premiums. Depending on your budget, you can opt for a higher sum insured of up to Rs. 10 lakhs.

Eligibility Criteria of Star Arogya Sanjeevani Health Insurance Plan

Here is the eligibility criteria essential for buying the Star Health Arogya Sanjeevani Insurance:

Parametres

Eligibility Criteria

Minimum entry age for adults

18 years

Maximum entry age for adults

50 years

Minimum entry age for child

3 months

Maximum entry age for child

25 years

Policy term

1 year

Benefits of Buying Star Arogya Sanjeevani Health Insurance Plan

Some of the reasons why you should choose to buy Star Arogya Sanjeevani Health Insurance over other plans are as follows:

  • Cashless Hospitalisation: Star Health Insurance has tie-ups with over 14,000 network hospitals. With an extensive number of network hospitals, you can easily avail of cashless hospitalisation when you buy the Star Arogya Sanjeevani Health Insurance plan.
  • No Medical Screening: There is no medical screening required for buying the Star Arogya Sanjeevani Health Insurance plan. However, if you are 50 years and above, then you will have to undergo medical screening.
  • Day Care Procedures: The Star Arogya Sanjeevani Health Insurance provides coverage for medical expenses that do not require hospitalisation. All the daycare procedures are covered under the Star Arogya Sanjeevani Health Insurance plan.
  • Modern Treatment: All the expenses related to modern treatment such as chemotherapy, robotic surgeries, and more are covered under the Star Arogya Sanjeevani Health Insurance plan.
  • Cumulative Bonus: With the Star Arogya Sanjeevani Health Insurance, you will also be eligible for getting cumulative bonus benefits. The cumulative bonus is given if the policyholder raises no claim in a given year. This bonus is calculated on the basis of 5% for every claim-free year and goes up to a maximum of 50%.
  • Other Coverage: The Star Arogya Sanjeevani Health Insurance plan also provides coverage for AYUSH treatment, pre and post hospitalisation expenses, ICU charges, ambulance expenses, and more.
  • Instalment Facility: The premium for the Star Arogya Sanjeevani Health Insurance plan can be paid on installment basis. For Star Arogya Sanjeevani Health Insurance, you can pay the premium on a quarterly or half-yearly basis.

Riders Available with Star Arogya Sanjeevani Health Insurance

Listed below are some of the riders you can include in your Star Arogya Sanjeevani Health Insurance plan to get even more coverage:

  • Personal Accidental Rider: This personal accidental rider offers a lump sum amount to the policyholder in case they have an accident or suffer a disability.
  • Critical Illness Rider: If the policyholder is diagnosed with any critical illness listed on the policy document, then coverage is offered with this add-on.
  • Reduction in PED Waiting Period: With this add-on, you can get the waiting period reduced from 4 years to 2 years.
  • OPD Rider: This rider covers expenses related to x-rays, doctor consultation fees, diagnostic tests, and more.

Inclusions and Exclusions of Star Health Arogya Sanjeevani Insurance

The Star Arogya Sanjeevani Policy inclusions and exclusions are listed below:

Inclusions:

  • Daycare procedures: All daycare procedures are covered under this policy.
  • Pre-hospitalisation Expenses: The expenses related to pre-hospitalisation expenses are covered for up to 30 days.
  • Post-hospitalisation Expenses: The expenses related to post-hospitalisation expenses are covered for up to 60 days after discharge.
  • Cataract: All the expenses related to cataract treatment are covered up to 25% of the sum insured.
  • AYUSH Treatment: Expenses related to treatment under Ayurveda, Yoga and Naturopathy, Unani, Siddha, and Homeopathy are covered up to the sum insured.
  • Room rent: All the expenses related to room rent in a hospital are covered up to 2% of the sum insured.
  • ICU Charges: ICU related charges are covered up to Rs. 10,00o with this plan.
  • Road ambulance: For expenses related to road ambulance, a total of Rs. 2000 is compensated for every hospitalisation.

Exclusions:

  • Any expenses related to rest and rehabilitation
  • Obesity or weight-related treatment
  • Change of gender treatment
  • Cosmetic or plastic surgery
  • Injury due to involvement in adventure or hazardous activities
  • Any expenses related to dietary supplements
  • Any unproven treatment
  • Any expenses related to infertility or sterility
  • Maternity-related expenses

Documents Required to Buy Star Arogya Sanjeevani Health Insurance Plan

Some of the documents required to buy Star Arogya Sanjeevani Health Insurance:

  • A duly-filled proposal form
  • PAN card
  • Aadhaar card
  • Bank account details
  • Passport
  • Electricity bills
  • Passport size photograph
  • Details of pre-existing medical conditions

How to Buy Star Arogya Sanjeevani Health Insurance Plan?

Here is how you can buy the Arogya Sanjeevani Star Health Insurance:

  • Visit the “Health Insurance” section on the official InsuranceDekho website.
  • Choose "Star Health Insurance" from the list of health insurance companies.
  • Then, select "Arogya Sanjeevani Health Insurance Plan" from the available health insurance plans.
  • Read the policy documents carefully
  • Upload all the necessary documents to complete the KYC process
  • After finishing the KYC process, pay the premium online
  • Finally, you will receive the policy document in your registered email

Claim Process of Arogya Sanjeevani Health Insurance Plan

You can raise two types of claims with your Arogya Sanjeevani Health Insurance Plan, cashless and reimbursement claims. Under a cashless claim, you need not spend anything from your pocket as all the medical expenses will directly be settled by the insurance company. On the other hand, in a reimbursement claim, your total medical expenses will be later reimbursed by the insurance company.

Cashless Claim

  • Go to a nearby network hospital tied up with Star Health
  • Once admitted to the hospital, submit policy papers and fill out the pre-authorisation form
  • Then, the insurance company will verify all the documents
  • Finally, when everything has been approved, the bills will be settled by the insurance company

Reimbursement Claim

  • For reimbursement claim settlement, you can get treatment at any hospital
  • Next, raise a claim on Star Health insurance on the official website
  • Then, submit all the required documents along with the claim form
  • You also need to submit the details of the medical expenses. Once all of it has been approved, the expenses will be reimbursed by the insurance company

Health Insurance Calculator

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Key Inclusions and Exclusions of the Plan

What's Included

  • All daycare procedures are covered under the policy
  • Coverage for AYUSH treatment expenses up to the sum insured limit
  • Expenses for cataract surgery are covered up to a specific limit
  • Nursing, Operation theatre, and ICU expenses
  • Coverage for post-hospitalisation expenses are available for up to 60 days
  • Coverage for pre-hospitalisation expenses are available for up to 30 days

What's Not Included

  • Any self-inflicted injury is not covered
  • Expenses incurred on diagnostic or investigative tests
  • No cover for contamination from nuclear fuel or radiation
  • Treatment for any addictive condition is not included under the policy
  • No cover is available for expenses related to OPD treatment
  • Any expenses incurred on domiciliary hospitalisation are not covered

9625 Star Cashless Network Hospitals in India

Arogya Sanjeevani Policy User Reviews

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What users are saying
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  • I went to insurancedekho, selected the Arogya Sanjeevani Policy under the health insurance segment and read ca...

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    R
    By Riya Biswas
    On: Jan 20, 2021
  • I had the impression that health insurance plans are expensive. But when my friend suggested that I should che...

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    S
    By Sabitri Nayek
    On: Dec 30, 2020
  • InsuranceDekho has a column under the ‘Plans’ section, that contains information about the best health insuran...

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    By Somrita Basak
    On: Dec 23, 2020
  • I and my family were looking for a fitting Arogya Sanjeevani policy health insurance. My friend suggested I sh...

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    S
    By Shovon Lal Mishra
    On: Nov 27, 2020
  • Star Health Arogya Sanjeevani Policy offers complete coverage to me and my family against hospitalisation expe...

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    B
    By Bhanu Pratap Singh
    On: Jun 18, 2020

Star Arogya Sanjeevani Policy Brochure

  • 1.05 MB
  • PDF Document
  • Apr 17, 2020

Claim Process at Star Health Insurance

  • Network Hospital
  • Non-Network Hospital
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation within 24 hours and for planned hospitalisation intimate within 48 hours prior to admission.
  • 3

    Claim Processing

    Fill in the pre-authorisation form and hand it over to hospital's insurance/TPA desk to initiate claim request.
  • 4

    Claim Settlement

    Once your request is approved, claim is settled. If not approved, claim for reimbursement after discharge.
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation within 24 hours and for planned hospitalisation intimate within 48 hours prior to admission.
  • 3

    Claim Processing

    Submit claim form with original documents such as doctor’s reports, hospital bills, diagnostic tests, etc.
  • 4

    Claim Settlement

    Once your request for reimbursement of expenses is approved, the claim will be settled.

FAQs on Arogya Sanjeevani Policy Health Insurance Plan

  • Who can be covered under this policy?

    People aged between 18 years to 65 years at the time of entry can be covered under this policy. Dependent children can also be added if they are aged between 3 months to 25 years. 

  • What are the sum insured options available under this policy?

    Arogya Sanjeevani Policy, Star Health and Allied Insurance Co Ltd can be purchased for sum insured options of Rs. 1 Lakh, Rs. 1.5 Lakh, Rs. 2 Lakh, Rs. 2.5 Lakh, Rs. 3 Lakh, Rs. 3.5 Lakh, Rs. 4 Lakh, Rs. 4.5 Lakh, and Rs. 5 Lakh.

  • What is the policy term for Arogya Sanjeevani Policy, Star Health and Allied Insurance Co Ltd?

    The policy term for Arogya Sanjeevani Policy, Star Health and Allied Insurance Co Ltd is of one year. The policy needs to be renewed every year. 

  • Can I avail cashless treatment under this policy?

    Yes. The policyholders can avail cashless treatment under Arogya Sanjeevani Policy, Star Health and Allied Insurance Co Ltd in more than 9,800 network hospitals. 

  • Is there any co-payment clause under this policy?

    Yes. Each and every claim under this policy shall be subject to a co-payment of 5%.

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