Arogya Sanjeevani Policy Star Health Plan
Star
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: 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.
- Coverage includes robotic surgeries, stem cell therapy, organ transplants, modern cancer treatments, bariatric surgery, and advanced cardiac procedures as per policy terms.
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
- 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%.
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
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
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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 sum insured restoration, and preventive health check-ups.
Focusing on their customers' convenience, the insurer provides online policy management, claim tracking, and immediate claim settlement. Star Health looks forward to becoming the provider of financial security against medical emergencies while promoting health and well-being among individuals, families, and corporate clients, making it one of the trusted names in India's health insurance band.
About the Company
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