Star Health Arogya Sanjeevani Policy is a comprehensive health insurance plan offering affordable medical expenses coverage to individuals and families. It is a standardized health insurance policy launched by the Insurance Regulatory and Development Authority of India (IRDAI) to ensure every individual has access to basic health insurance coverage. This plan offers a wide range of benefits, making it a suitable option for individuals looking for comprehensive health insurance coverage. This page will explore the features, benefits, eligibility criteria, coverage options, exclusions and claim process of Star Arogya Sanjeevani Policy.
Highlights of Star Arogya Sanjeevani Health Insurance Policy
Below are the specifications of the Star Arogya Sanjeevani Health Insurance Policy from Star Health Insurance:
| Particulars | Specifications |
|---|---|
| Entry Age | For Adults: 18 Years to 65 years For Child: 91 days to 25 years |
| Renewability | Lifelong |
| Policy Type | Individual and Family |
| Sum Insured | INR 50K, INR 1 lakh, INR 1.5 Lakh, INR 2 Lakh, INR 2.5 Lakh, INR 3 Lakh, INR 3.5 Lakh, INR 4 Lakh, INR 4.5 Lakh, INR 5 Lakh, INR 5.5 Lakh, INR 6 Lakh, INR 6.5 Lakh, INR 7 Lakh, INR 7.5 Lakh, INR 8 Lakh, INR 8.5 Lakh, INR 9 Lakh, INR 9.5 Lakh, INR 10 Lakh |
| Policy Term | 1 Year |
| Pre-medical Test | Above 50 years of age |
| Waiting Period for Pre-Existing Disease | 48 months |
Eligibilities to buy Star Arogya Sanjeevani Health Insurance Policy
Below is the eligibility of the Star Arogya Sanjeevani Health Insurance policy:
- Individual
- Family Floater
Entry Age: 18 Years to 65 years (For Adults), 91 Days to 25 Years (For Children)
Entry Age: 18 Years to 65 years (For Adults), 91 Days to 25 Years (For Children)
Policy Term: 1 Year
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Coverage Benefits Offered Under Star Arogya Sanjeevani Insurance Policy
Star Health Arogya Sanjeevani Policy offers comprehensive coverage benefits to protect individuals and families from healthcare expenses. Here are the significant coverage benefits provided by the policy:
- 50K to 10 Lakhs
Room Rent
Covered up to 5% of SI subject to a maximum of INR 5K per day
ICU Charges
Covered up to 5% of SI subject to a maximum of INR 10K per day
Pre-Hospitalization
Covered up to 30 Days
Post-Hospitalization
Covered up to 60 Days
Domiciliary Hospitalization
All Daycare Treatments Covered
Cataract
Covered up to INR 40K or 25% of the SI
No Claim Bonus
Available up to 5% of SI subject to a maximum of 50% of SI
AYUSH Treatment
Covered up to SI
Modern Treatment
Covered up to 50% of SI
Ambulance Cover
Covered up to INR 2K
Co-Payment
5% on every claim
Star Arogya Sanjeevani Health Insurance Policy Exclusion
Below is the list of diseases and conditions that the Star Health Arogya Sanjeevani Policy does not cover:
- Obesity / Weight Control
- Change-of-Gender treatments
- Cosmetic or plastic Surgery
- Hazardous or Adventure sports
- Breach of law
- Unproven Treatments
- Sterility and Infertility
- Maternity
- Circumcision
- Refractive Error
- Intentional self-injury
- Inoculation or Vaccinationn
- Treatment for drug, alcoholism, or substance abuse or any addictive condition
- Congenital External Conditions / Defects / Anomalies
- Injury/disease caused by or arising from or attributable to war, invasion, the act of a foreign enemy, war-like operations
Coverage After Waiting Period
Below is the list of benefits that are covered after a certain waiting period:
- Listed Ailments: 24/48 months
- Pre-existing Diseases: 48 months
- Initial Waiting Period: 30 Days
Star Arogya Health Insurance Policy Additional Benefits
Star Health Arogya Sanjeevani Policy offers additional benefits to enhance policyholders' overall protection and convenience. These additional benefits include:
Star Wellness Program
The Star Arogya Sanjeevani Health Insurance Policy rewards the insured's healthy lifestyle through various wellness activities. One can also use their earned health points to get a discount on the renewal premium. The discount on premiums offered by the Wellness Program is displayed in the following table:
| Wellness Points | Discount in Premiums |
|---|---|
| 200 to 350 | 2% |
| 351 to 600 | 5% |
| 601 to 750 | 7% |
| 751 to 1000 | 10% |
Talk to Star
The insured can get a free consultation from specialist doctors by phone, chat, or video call by dialling 7676905905.
COVID-19 Helpline
Insured persons can get free COVID-19 consultations from Star Health Insurance health experts between 8 AM and 10 PM. Just call them at 7676905905 in case of COVID-19.
E-Pharmacy
Insured persons can order medicines online at discounted prices. Star Health Insurance has various medicine stores across 2,780 cities, offering home delivery and store pickup.
Diagnostics Centers
Insured persons can access 1,635 diagnostic centres across the country. Star Health Insurance also provides home pickup of lab samples and health checkups to the insured person at the doorstep facility.
Modern Treatment
Star Health Arogya Sanjeevani Policy offers coverage for up to 50% of the sum insured amount for 12 different types of modern treatment. Below is the list of modern treatments covered under the Star Arogya Sanjeevani Plan:
- Uterine Artery Embolization and HIFU
- Balloon Sinuplasty
- Oral chemotherapy
- Deep Brain stimulation
- Immunotherapy- Monoclonal Antibody to be given as an injection
- Robotic surgeries
- Intra vitreal injections
- Stereotactic radio surgeries
- Vaporization of the prostate
- Bronchial Thermoplasty
- ION M - (antra Operative Neuro Monitoring)
- Stern cell therapy
