Arogya Sanjeevani Policy Star Health Plan
Star Health Insurance
6.6/10
OneAssure Rating
6.6/10
OneAssure Rating
Highlighted Features
Advanced Treatments
Coverage includes advanced treatments such as coronary angiography, cancer radiotherapy, chemotherapy, and palliative care, ensuring access to essential medical support during critical times.
Cashless Healthcare Providers
Access to over 14,000 cashless healthcare providers for seamless treatment
Brochure
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Our Verdict
Star Arogya Sanjeevani offers essential coverage at an affordable premium, with a 5% co-pay. Add-ons like maternity and worldwide emergency enhance its value, making it suitable for budget-conscious individuals and families seeking reliable, no-frills health insurance.
About the Plan
The Star Arogya Sanjeevani Plan is a standardized health insurance policy designed to offer essential medical coverage at an affordable premium. It covers hospitalization expenses, pre- and post-hospitalization costs, daycare procedures, and AYUSH treatments. The plan includes a 5% co-payment, ensuring shared financial responsibility. With no restrictions on room rent and coverage for modern treatments, it provides comprehensive protection. Ideal for individuals and families, this plan ensures access to quality healthcare while keeping policy terms simple and transparent.
About the Plan
Product Stats
Rating
Features of the Product
Room Rent (Normal & ICU)
Normal: Room Rent Limit: Capped at 2% of the sum insured per day, up to a maximum of ₹5,000 per day.
ICU Limit: Capped at 5% of the sum insured per day, up to a maximum of ₹10,000 per day.
Advanced Treatments
Coverage includes robotic surgeries, stem cell therapy, organ transplants, modern cancer treatments, bariatric surgery, and advanced cardiac procedures as per policy terms.
These treatments are covered up to 50% of the sum insured, ensuring access to cutting-edge medical advancements.
Co-payment
The Star Arogya Sanjeevani Plan includes a 5% copayment, which means the policyholder must pay 5% of the claim amount, while the insurer covers the remaining 95%.
This copayment applies to all claims, regardless of age or treatment type
Waiting Periods
Initial Waiting Period: 30 days from the policy start date, except for accidental injuries.
Pre-Existing Diseases: Covered after 48 months of continuous policy coverage.
Specific Illnesses & Treatments: Certain listed conditions (like hernia, cataract, joint replacement) have a 24-month waiting period.
Maternity & Newborn Coverage: Not covered under this plan.
Cashless Healthcare Providers
The Star Arogya Sanjeevani Plan offers cashless treatment through Star Health Insurance's extensive network of over 14,000 hospitals across India.
Day Care Treatments
The Star Arogya Sanjeevani Plan covers daycare treatments
AYUSH Treatment
Covered under this policy
Exclusions
Pre-existing diseases are covered only after the specified waiting period.
No coverage for maternity expenses, childbirth, or fertility treatments.
Cosmetic or plastic surgery unless medically necessary is excluded.
Injuries or illnesses due to drug abuse, alcohol, or self-inflicted harm are not covered.
Treatment for obesity or weight control procedures is excluded.
Experimental or unproven treatments and alternative therapies not under AYUSH are not covered.
Dental and vision treatments unless due to an accident are excluded.
Non-prescription drugs, supplements, and vitamins are not reimbursed.
Treatment arising from war, terrorism, or nuclear exposure is not covered.
Hospitalization solely for diagnostic purposes without active treatment is excluded.
Exclusions
Enhanced Room Rent Coverage - Upgrade your hospital stay with higher room category eligibility beyond the standard plan limits.
Maternity & Newborn Coverage - Comprehensive coverage for maternity expenses, delivery costs, and newborn care for added financial security.
Critical Illness Cover - Get additional financial support for serious illnesses like cancer, heart disease, and kidney failure with a lump-sum payout.
Wellness & Preventive Care Benefits - Access annual health checkups, fitness programs, and wellness consultations to maintain overall well-being.
Personal Accident Cover - Extra coverage for accidental death, disability, and hospitalization due to unforeseen accidents.
Alternative Treatment Coverage - Expanded reimbursement for AYUSH (Ayurveda, Yoga, Unani, Siddha, and Homeopathy) treatments for holistic healthcare options.
Worldwide Emergency Coverage - Ensure financial protection with emergency medical treatment coverage while traveling abroad.
OPD & Consultation Benefits - Covers outpatient expenses, doctor consultations, diagnostic tests, and prescribed medications without hospitalization.
Add-ons
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About the Company
Star Health and Allied Insurance was founded in 2006 by Dr. A. Sakthivel, and its headquarters is located in Chennai, Tamil Nadu.
Star Health and Allied Insurance is a leading health insurance company in India, offering a range of plans to suit diverse customer needs. They specialize in medical, critical illness, and accidental insurance, providing affordable coverage to individuals and families. The company aims to ensure access to quality healthcare through an extensive network of hospitals. With over a decade of experience, Star Health continues to innovate in the insurance space, focusing on customer-centric services and simplifying claim processes.
About the Company
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