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Arogya Sanjeevani Policy, Star Health and Allied Insurance Co Ltd.

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IRDAI UIN: SHAHLIP22027V032122

HIGHLIGHTS

Plan Essentials

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Affordable Policy

Insurance Regulator drafted affordable Health Insurance policy with economical premium suitable for entire India.
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Policy Type

This policy can be availed either on an Individual or Floater basis.
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Entry Age

Any person aged between 18 and 65 years can avail this policy. Under the Floater basis, a maximum of up to three economically dependent children aged between 3 months and 25 years are covered.
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Flexible Policy

People aged between 18 and 65 years can avail this policy on an Individual or Floater basis. A family can be self, spouse, dependent children (between 3 months and 25 years) and parents.
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Day Care Procedures

Medical treatments and surgical procedures that require less than 24 hours of hospitalisation due to technological advancements are covered.
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AYUSH Treatment

Expenses incurred for the treatment under Ayurveda, Yoga and Naturopathy, Unani, Siddha and Homeopathy systems of medicines in AYUSH hospitals are covered.
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Modern Treatment

Expenses incurred for modern treatments such as Oral Chemotherapy, Intra Vitreal injections, Robotic Surgeries, etc. are covered up to 50% of the Sum Insured.
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Cumulative Bonus

Cumulative bonus is provided at 5% of the Sum Insured for each claim-free year subject to a maximum of 50% of the Sum Insured.
DETAILED LIST

Understand what’s included

IMPORTANT HIGHLIGHTS

Policy Term

This policy can be availed for a term of one year.

Pre-Medical Examination

People aged 50 years and above are required to undergo pre-medical screening at the Company’s nominated centres before availing this policy.

Sum Insured

The policy provides the Sum Insured options ranging from Rs. 50,000/- to Rs. 10,00,000/- (in the multiples of Rs. 50,000/-).

In-Patient Hospitalisation

Hospitalisation expenses incurred for a period of more than 24 hours on account of  illness, injury or accidents are covered.

Pre-Hospitalisation

In addition to in-patient hospitalisation, the medical expenses incurred up to 30 days before the date of admission to the hospital are also covered.

Post-Hospitalisation

Post-hospitalisation medical expenses up to 60 days from the date of discharge are covered.

Room Rent

Room, boarding and nursing expenses incurred during in-patient hospitalisation are covered up to 2% of the Sum Insured subject to the maximum of Rs. 5000/- per day.

ICU Charges

ICU charges up to 5% of the Sum Insured are covered subject to the maximum of Rs. 10,000/- per day.

Road Ambulance

Ambulance charges are covered up to Rs. 2000/- per hospitalisation.

Day Care Procedures

Medical treatments and surgical procedures that require less than 24 hours of hospitalisation due to technological advancements are covered.

AYUSH Treatment

Expenses incurred for the treatment under Ayurveda, Yoga and Naturopathy, Unani, Siddha and Homeopathy systems of medicines in AYUSH hospitals are covered up to the limits of the Sum Insured.

Rural Discount

For identified Rural areas, a 20% discount on premium is available for both Individual and Floater policies.

Lifelong Renewal

The policy provides lifelong renewal option.

Cumulative Bonus

Cumulative bonus is provided at 5% of the Sum Insured for each claim-free year subject to a maximum of 50% of the Sum Insured.

Co-payment

Each and every claim under the Policy shall be subject to a Copayment of 5% applicable to claim amount admissible and payable as per the terms and conditions of the Policy.

Cataract Treatment

Expenses incurred for Cataract treatment are covered up to 25% of the Sum Insured or Rs. 40,000/- whichever is less per eye in one policy year.

Instalment Options

This policy premium can be paid on a quarterly or half-yearly basis. It can also be paid annually.
Please refer to the Policy Documents to know the policy details and Terms & Conditions.
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Arogya Sanjeevani Policy, Star Health and Allied Insurance Co Ltd.

 

Although we know the importance of staying healthy and safe, health insurance plans are often at the bottom of our priority list. We are frequently plagued with questions regarding the significance of health insurance. “Does it serve its purpose?”, “Why should I get one when I am healthy?” “Can I spend this premium on something more worthwhile?”. While these are very valid questions, but if there is anything that 2020 has taught us, unpredictability can lurk in corners unknown to us.

 

Medical treatment is expensive, especially in the private sector, therefore purchasing health insurance coverage for yourself and your family is essential. And as we know, hospitalisation might drain your bank account and throw your finances off course. We would recommend that you obtain a health insurance policy for yourself and your family so that you can mitigate the cost of any medical emergencies.

 

The Arogya Sanjeevani Policy is introduced by the Insurance Regulatory and Development Authority of India (IRDAI). The policy has been developed to cater to the needs of those who are looking for complete coverage at an affordable price. While medical costs have been rising for decades and are expected to keep increasing, purchasing the Arogya Sanjeevani Insurance Policy might help the insured stay financially secure in the face of medical emergencies.

 

Arogya Sanjeevani Policy is an indemnity-based health insurance policy offering coverage up to Rs. 10 lakhs on individual and floater basis for in-patient hospitalisation expenses, daycare treatments/procedures, COVID-19 treatment, AYUSH treatment, and more.

 

Arogya Sanjeevani Policy allows you to opt for a family floater plan that will cover Self, spouse and dependant children between 3 months and 25 years. Additionally, you can buy this plan for parents and parents-in-law as well.

 

Coverage under Arogya Sanjeevani Policy includes:

 

  • In-patient hospitalisation expenses
  • Pre- and post-hospitalisation expenses
  • Cataract treatment
  • AYUSH treatment
  • Daycare treatments
  • Ambulance expenses
  • Modern treatments
  • ICU/ ICCU expenses
  • Covid-19 treatment cover
  • Tele Medicine Service – talk to Star

Product Features of the Arogya Sanjeevani Health Insurance Policy

SubjectCriteria
Entry Age18 years to 65 years
Dependent Children – 3 months to 25 years
RenewalLifelong
Policy period1 year
Sum Insured in Rs0.5 lakh to 10 lakhs (Multiples of 50,000)
Co-payment5% to all admissible claims
Discounts in premium20% rural discount
Waiting PeriodsPED-48 monthsSpecific Diseases- 24/48 monthsInitial waiting period – 30 days (except for accidents)

 

BenefitsCoverage limitDescription of cover
In-patient HospitalisationUp to S.I and bonus (if any)Covers all in-patient hospitalisation expenses.
Pre-HospitalisationUp to S.I.Covers related pre-hospitalisation expenses for fixed period of 30 days prior to the date of admissible hospitalization.
Post-HospitalisationUp to S.I.Covers post-hospitalisation expenses for a fixed period of 60 days from the date of discharge from the hospital.
Daycare Treatments/ProceduresCoveredCovers all daycare procedures, surgeries, and treatments that require less than 24 hours of hospitalisation.
Covid-19 treatmentsCoveredCovers treatment for Covid-19 along with other illnesses. However, an initial waiting period of 30 days is applicable for COVID-19 related expenses under this policy.
Modern TreatmentCovered

Twelve modern treatments, including balloon sinuplasty, immunotherapy, and stem cell therapy, are covered.

Up to 50% of sum insured

Cataract SurgeryCoveredThe policy covers expenses incurred for cataract treatment up to 25% of the sum insured or Rs.40,000/-, whichever is lesser. This is applicable for each eye in a policy year.

How to buy this policy?

 

Buying Arogya Sanjeevani policy online is very simple:

 

Step 1: Visit the Star Health website or mobile app and find the Arogya Sanjeevani Policy. Provide your name, mobile number and e-mail address. 

 

Step 2: Enter a few key details, the number of people you want to take the policy for (if buying for family), birth date, policy term.

 

Step 3: Upon sharing this information, you will get a final quote on your premium on your sum insured opted and you can proceed with the payment. Now, you will have the policy in just a few minutes in your inbox.

 

Renewing your policy is even simpler. Just sign in with your registered mobile number (or policy details), confirm your details, and make the payment. There you go!

FAQ's

Arogya Sanjeevani is a common product designed by the insurance regulator. But few insurers are offering optional cover of Critical illness by demanding additional Premium. But Star health offers all features designed by the regulator, but the policy holders can avail good cashless facility across india.