Star Health Arogya Sanjeevani Policy

Star Health Arogya Sanjeevani Policy

  • Comprehensive Coverage
  • Lifelong Renewability
  • Wellness Discounts Available

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

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:

01

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%
02

Talk to Star

The insured can get a free consultation from specialist doctors by phone, chat, or video call by dialling 7676905905.

03

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.

04

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.

05

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.

06

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