Star Health Arogya Sanjeevani Policy: An Overview

Arogya Sanjeevani Star Health Policy is a standard policy introduced by the IRDAI with common terms and conditions for all the insurance providers across the country. Star Health and Allied Insurance Co Ltd. offers this plan under Star Health Insurance category, which covers hospitalization expenses arising out of a medical emergency. The policy is quite popular for offering at an affordable premium with multiple other benefits.

Read More

Star Health Arogya Sanjeevani Policy

*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply
*Tax benefit is subject to changes in tax laws. Standard T&C Apply

Get up to 5% discount*
Get insured from the comfort of your home No medicals required
I am a

My name is

My number is

By clicking on ‘View Plans’ you, agreed to our Privacy Policy and Terms of use
I am a

My name is

My number is

Select Age

City Living in

    Popular Cities

    Do you have an existing illness or medical history?

    This helps us find plans that cover your condition and avoid claim rejection

    Get updates on WhatsApp

    What is your existing illness?

    Select all that apply

    When did you recover from Covid-19?

    Some plans are available only after a certain time

    Star Health Arogya Sanjeevani Policy: Key Highlights

    Sum Insured

    Up to Rs 10 lakh


    1 year

    Coverage Type

    Individual/Floater basis



    Coverage Offered

    One can buy the Arogya Sanjeevani Health Insurance policy, which covers all medical expenses up to the sum insured, with an option to choose from an Individual or Floater Plan. The police offer variable options of the sum insured up to Rs 10 lakh for a policy term of 1 year. 

    The plan covers the following essential expenses:

    • Daycare Treatments- Any medical procedure that doesn’t require the patient to be hospitalized are covered.
    • In-hospitalization Benefits- All in-hospitalization expenses are covered. Room rent and nursing expenses are covered up to 2% of the sum insured for a maximum of Rs 5,000 per day, ICU charges are covered up to 5% of sum insured up to Rs 10,000 per day.
    • Pre-hospitalization Cover -Any medical expenses incurred prior to 30 days of hospitalization are covered.
    • Post-hospitalization Cover -Any medical expenses incurred up to 60 days after discharge are covered.
    • AYUSH Treatment - Medical expenses incurred under Ayurveda, Siddha, Yoga, or Homeopathy treatments, are covered up to the sum insured.

    Inclusions of the Star Health Arogya Sanjeevani Policy

    Apart from the basic benefits, the following coverage is also included in the Arogya Sanjeevani Star Health plan:

    • Cumulative Bonus -An increase in Cumulative Bonus is provided for every claim-free policy year if the policy is renewed from the Company itself without any gap. In case of any claim, the accumulated bonus will reduce by 5%.
    • Road Ambulance Cover- Ambulance expenses incurred for transferring the patient to or from the hospital are covered up to Rs 2000 per hospitalization.
    • Specific Illness Covered up to 50% Sum Insured –Specific new-age illness treatments like Uterine Artery Embolization and HFU, Deep Brain stimulation, Oral chemotherapy, Balloon Sinuplasty, Robotic surgeries, Bronchial Thermoplasty, Insta operative Neuro Monitoring, Stereotactic radio surgeries, etc. are also covered under the plan.

    Exclusions of the Star Health Arogya Sanjeevani Policy

    The following medical treatments and expenses are excluded from the Arogya Sanjeevani Star Health Insurance plan.

    • Investigation or Evaluation
    • Rest Cure or Rehabilitation
    • Obesity/ Weight Control
    • Change of Gender treatments
    • Cosmetic or plastic surgery
    • Hazardous or adventurous sports
    • Breach of the law, war, riots
    • Treatment for addictions
    • Health hydro treatments
    • Domiciliary Hospitalization and OPD treatment

    For a complete list of exclusions, please refer to the policy document.

    Benefits and Features of the Star Health Arogya Sanjeevani Policy

    Anyone looking to buy Arogya Sanjeevani Star Health policy can go through the following main key features and benefits:

    • Co-payment of up to 5 % is applicable to every claim.
    • The insured person can choose to port the existing policy to other health insurance plans of the Company.
    • No third party is involved for claim settlement.
    • Hassle-free and fast settlement of claims are assured.
    • Pre-acceptance medical screening of people who are above 50 years old is required.
    • Tax benefits are applicable for any mode of payment except for cash payments under section 80D of the Income Tax Act 1961.

    Cancellation of the Policy

    Rules regarding cancellation of the Arogya Sanjeevani Star Health Insurance Policy are as follows:

    • On a 15 days' written notice, one may cancel this policy and avail of a full refund except for any claims.
    • A policy canceled after 15 days will be refunded as per the short-term rates on pro-rata basis.
    • For a Policy canceled between 6 to 12 months' period, no amount will be refunded.


    Health insurance articles

    Recent Articles
    Popular Articles
    Monkeypox: Dos and Don’ts of the Disease That You Should Know

    15 Sep 2022

    Monkeypox has slowly and steadily spread to more than 85 countries...
    Read more
    Why is It Important to Disclose Pre-existing Diseases to Your Insurer?

    06 Sep 2022

    As we grow old, the chances of developing a disease or a medical...
    Read more
    Benefits of Multi-Year Health Insurance Plans

    25 Aug 2022

    Ever since COVID-19 entered our lives, health insurance has come...
    Read more
    Does Health Insurance Cover Monkeypox?

    25 Jul 2022

    Monkeypox is the latest disease to make its way to India while we...
    Read more
    List of Diseases Covered by Bajaj Allianz Health Insurance Plans

    05 Jul 2022

    Barely any person has remained unaffected due to rising health...
    Read more
    PMJAY Scheme: Ayushman Bharat Yojana Eligibility & Registration Online
    Prime Minister Shri Narendra Modi announced the launch of (PMJAY) Ayushman Bharat Yojana in his Independence...
    Read more
    Best Health Insurance Plans in India 2022
    Finding the best health insurance plan from so many different health insurance companies can get confusing for many...
    Read more
    How to Apply for Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (PM-JAY)?
    Ayushman Bharat Yojana is a flagship health insurance scheme launched by the Government of India to offer universal...
    Read more
    Best Maternity Insurance Plans
    Maternity insurance offers comprehensive coverage for medical expenses incurred during pregnancy, including the cost...
    Read more
    Best Health Insurance Plans for Senior Citizens in 2022
    Senior citizens are the most prone to diseases. Considering the medical inflation in India, buying health insurance...
    Read more

    Download the Policybazaar app
    to manage all your insurance needs.