Star Health Arogya Sanjeevani Policy

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      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.

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      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.


      Policybazaar exclusive benefits
      • 30 minutes claim support*(In 120+ cities)
      • Relationship manager For every customer
      • 24*7 claims assistance In 30 mins. guaranteed*
      • Instant policy issuance No medical tests*
      Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.

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      *We will respond in the first instance within 30 minutes of the customers contacting us. 30-minute claim support service is for the purpose of giving reasonable assistance to the policyholder in pursuance of the claim. Settlement of claim (including cashless claim) is the responsibility of the insurer as per policy terms and conditions. The 30-minute claim support is subject to our operations not being impacted by a system failure or force majeure event or for reasons beyond our control. For further details, 24x7 Claims Support Helpline can be reached out at 1800-258-5881. Product information is authentic and solely based on the information received from the Insurer. Policybazaar is acting only as a facilitator and claims settlement shall be at the sole discretion of the Insurer. As per the Insurance guidelines, you are allowed to cancel the policy with-in 15 days from the date of Issuance of policy. For more details, please read the Plan Brochure carefully or talk to our advisor at the time of purchase.

      *All the health insurance plans cover hospitalization expenses including COVID-19 treatment cover up to the specified limits. You can also buy specific COVID-19 health insurance policies such as Corona Kavach Policy and Corona Rakshak policy.

      **All savings and online discounts are provided by insurers as per IRDAI approved insurance plans. #Tax Benefits are subject to changes in tax laws. GST Exemptions depend on fulfilment of qualification criteria and submission of relevant documents.

      *₹1748/month is the starting price for a 1 crore health insurance for an 18-year-old male, with no pre-existing diseases. Discount on renewal premium is subject to the number of wellness points earned in the health insurance policy. For more details about the plans, please read the sale brochure carefully to get upto 100% discount on renewal premium.

      *₹400/month is the starting price for ₹ 5 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹541/month is the starting price for ₹ 10 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹762/month is the starting price for ₹ 1 Crore Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹243/month(₹ 8/day) is the starting price for a 5 lakh health insurance for a 20-year-old male, non-smoker, living in Bengaluru with no pre-existing diseases

      *₹2020/month is the starting price for ₹ 1 Cr Health insurance for a 50 year old male & 50 years old female, living in Bangalore with no pre-existing diseases rounded off to nearest 10.

      *₹390/month (₹13 per day) is starting price for 1 cr. Health insurance for 25 years old male, with pre-existing diseases, residing from tier 1 city rounded off to the nearest 10.

      *No medical tests are required unless requested by the insurer’s underwriter. In-case of pre-existing diseases relevant medical proof would be required as per the terms and condition of the policy opted.

      *The values taken for effective cost calculation are indicative values and may change as per the selected plan.

      *Coverage upto double the amount of Sum Insured is available on certain covers for a minimum plan of Rs. 5 Lakh on the first claim only to an individual of upto 45 years of age with no pre-existing diseases. The benefit is available with or without extra cost depending on the plan chosen.

      *Coverage of pre-existing diseases is provided by insurer as per their underwriting policy.

      *The scope of coverage may vary from plan to plan.

      ~Source: Google Review Rating available on:-

      ##On ground claim assistance is available in 114 cities

      Tax Benefits are subject to changes in tax laws. GST Exemption depends on fulfilment of qualification criteria and submission of relevant documents as required by the insurers. For more details on risk factors, terms and conditions, please read the sales brochure and applicable rules and regulation carefully before concluding a sale.

      STANDARD TERMS AND CONDITIONS APPLY. For more details on risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale.

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