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

Brochure

Get a Quote

82.31%

Claim Settlement Ratio

14000+

Network Hospitals

6.6

Customer Rating

Brochure

Our Verdict

Expert Review: Star Health Insurance

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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...

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

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.

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.

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

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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.

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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 hospitalization, along with pre-and post-hospitalization expenses, day-care procedures, AYUSH treatments, ambulance charges, and maternity benefits, etc. Policyholders also enjoy benefits such as no-claim bonuses, automatic...

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;...