How does the waiting period affect my coverage?

A 30-day waiting period applies, except for accidents. Pre-existing conditions are covered after 48 months; some illnesses require 24 months.

What if I don’t use my health insurance benefits for the entire year?

A No Claim Bonus increases your sum insured each year, rewarding you with additional coverage at no extra cost.

Does the Star Arogya Sanjeevani Plan cover treatment abroad?

Standard coverage applies within India, but optional add-ons may provide limited emergency treatment abroad. Check with your insurer for details.

OneAssure

Health Insurance

Star

Arogya Sanjeevani

Arogya Sanjeevani Policy Star Health Plan

Experience India's most trusted health insurance with Star Health Insurance. Get instant cashless treatment at 14000 network hospitals with sum insured up to ₹50 lakhs.

82.31

Claim Settlement Ratio

14000

Network Hospitals

6.6

Customer Rating

Policy Brochure

Get a Quote

82.31

Claim Settlement Ratio

14000

Network Hospitals

6.6

Customer Rating

Policy Brochure

Our Verdict

Expert Review: Star Health Insurance

Final 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

About Star Health Insurance

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.

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...

Arogya Sanjeevani Ratings

Arogya Sanjeevani

Insurer Rating

5.67

out of 10

Insurance Rating

1

out of 10

No Room Rent Limit

No

Consumables Covered

No

No Co-payment

No

Loyalty Bonus >= 500%

Yes

No Disease Sublimits

No

Unlimited Restoration

No

Additional Benefits (Informational Only — Not part of score)

PED Waiting <= 2 Years

No

Maternity Available

No

Waiting Period Waiver

No

Testimonials

Real People. Real Relief

These are the moments that show what we really do. We don't sell you a policy. We stand by you when it matters most.

I want to sincerely thank Sunad for being there for me throughout the entire claim process. He helped me through so many ups and downs, always patient and ready to support when things got tough. I honestly don’t know how I would have managed without his guidance and encouragement. Sunad made a difficult situation feel a lot less stressful, and I’m truly grateful for his kindness and steadfast help.

Prashant Pandey

Mumbai, Maharashtra

Had a great experience with them during a difficult time. After my mother’s accident, we had to pay the hospital bill upfront, as cashless wasn’t available. They guided us through the reimbursement process, helped file the claim, and consistently followed up with the insurer until it was settled. Their support with the post-hospitalization claim was equally prompt and thorough.

Jatin Gala

Mumbai, Maharashtra

My heartfelt thanks to the OneAssure team for making my insurance claim process effortless. Right from the very first interaction, they demonstrated professionalism, clear communication, and an impressive command of the procedures involved. Their swift updates, timely guidance, and persistent follow-through removed all the stress from what could have been a complicated experience.

Anju Renjith

Bengaluru, Karnataka

I am truly grateful for the support and guidance I received in settling my insurance claim. The entire process was handled with great professionalism, clarity, and efficiency. Their prompt response, deep knowledge of the procedures, and consistent follow-ups ensured a smooth and hassle-free experience.Thank you once again for your invaluable help, highly recommended!

Yogesh Meena

Jaipur, Rajasthan

I recently had the pleasure of purchasing health insurance for my parents through this company, and my experience has been exceptional...The team was incredibly patient and took the time to explain every detail to me. No matter how many times I asked questions, they were always calm and thorough in their explanations. Their professionalism and dedication made a significant difference in helping me make an informed decision.

Akash Kumar

West Bengal

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Inclusions and Exclusions

Inclusions and Exclusions of Star Insurance Company Limited

Room Rent

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

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.

Waiting Period

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.

Daycare Treatment

The Star Arogya Sanjeevani Plan covers daycare treatments

AYUSH Treatment

Covered under this policy

Room Rent

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

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.

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About the company

Star Health and Allied Insurance Co. Ltd is considered one of the major standalone insurers in India. Today, a bulk of insurance policyholders are served by Star Health in India. Plans are offered pertaining to individual health, family floater, senior citizen, critical illness, top-up and super top-up, personal accident, disease specific, maternity, and corporate/group insurance. A cashless hospital network of over 14,000 hospitals nationwide is the big number that helps to keep Star Health's reputation; that way, customers can gain access to quality treatment and services without having to give any upfront payments. As per the plan, treatment can include...

Star Health and Allied Insurance Co. Ltd is considered one of the major standalone insurers in India. Today, a bulk of insurance policyholders are served by Star Health in India. Plans are offered pertaining to individual health, family floater, senior citizen, critical illness, top-up and super top-up, personal accident, disease specific, maternity, and corporate/group insurance. A cashless hospital network of over 14,000 hospitals nationwide is the big number that helps to keep Star Health's reputation;...