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    The Manager - Customer Care,
    Star Health and Allied Insurance Co Ltd,
    No.1, New Tank Street, Valluvarkottam High Road,
    Chennai - 600 034
    Email :

    Contact Us

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    044 6900 6900
    For Other Users
    (044)- 2831 9100 / 2853 2060 / 2853 2030

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

    A simple policy loaded with essential benefits


    IRDAI UIN: SHAHLIP22027V032122

    Affordable Policy

    Highly beneficial and affordable health insurance policy

    Flexible Policy

    Policy can be taken on Individual and Floater basis

    Policy Term

    One year

    Day Care Procedures

    All Day care Procedures covered

    Ayush Cover

    AYUSH Treatment covered

    Modern Treatment Cover

    Modern Treatments are covered – Upto 50% of the Sum Insured.

    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

    Entry Age18 years to 65 years
    Dependent Children – 3 months to 25 years
    Policy period1 year
    Sum Insured in Rs0.5 lakh to 10 lakhs (Multiples of 50,000)
    Co-payment 5% 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.

    Features of the Arogya Sanjeevani Policy

    • Eligibility
      Arogya Sanjeevani Health Insurance Policy can be purchased by individuals between 18 and 65 years of age. The Arogya Sanjeevani family floater plan allows the insurer to cover up to two adults and three dependent children between 3 months and 25 years and parents and parents in law.
    • Sum insured
      The plan provides sum insured options ranging from a minimum of Rs. 50,000 to a maximum of Rs. 10 lakhs under the individual and floater basis.
    • Policy term
      Available for 1 year.
    • Co-payment
      The policy has a co-payment of 5% on admissible claim, which means that the Policy holder (insured) to pay 5% and 95% would be paid by the insurance company (insurer) of the eligible claim amount. This means that every time a claim is filed with the company, the insured will be required to pay a fixed 5% of the claim, and then Star Health Insurance will process the rest of the claim.
    • Cumulative bonus
      Arogya Sanjeevani Policy offers its policy holders a 5% of the sum insured as bonus for every claim-free year subject to a maximum of 50% of the sum insured.
    • Waiting period
      1. Any illness contracted within 30 days of the policy inception date is not covered. The exception is in case of an accident.
      2. Coverage for specified illnesses/ surgeries becomes effective after 24/48 months.
      3. Pre-existing diseases are covered after a waiting period of 48 months from the policy inception date..
    • Portability
      This policy can be ported. Such option should be exercised at least 45 days before, but not earlier than 60 days from the policy renewal date.
    • Pre-medical screening
      Persons above 50 years of age will have to undergo pre-acceptance health screening at the company's nominated centers.
    • Lifelong renewability
      While the eligibility for the purchase of this policy is limited to those between the ages of 18 to 65 years, this policy provides lifelong renewability as long as it is renewed on time. By doing so, the insured can enjoy continuous benefits like on coverage of PED’, cumulative bonus, etc.

    Why should you choose the Arogya Sanjeevani Policy?

    With almost the entire world experiencing some form of financial complications in this period of a global medical emergency, we are on the cusp of something inexpensive and highly defensive to meet our medical emergencies.
    The Arogya Sanjeevani policy is sufficient to cover health insurance needs providing extensive coverage including a wide range of medical expenses such as hospitalisation expenses, daycare treatments, and modern treatments.
    This is a standard health insurance policy launched by the Insurance Regulatory and Development Authority of India (IRDAI). The policy attracts first-time buyers as it is designed to be comprehensive yet simple.
    The Arogya Sanjeevani policy is more beneficial for younger people looking at a health insurance cover for themselves starting from Rs 50,000. Arogya Sanjeevani’s plan is a perfect fit for families with a sum insured option of up to 10 lakhs. Arogya Sanjeevani will help you work out the cover you need without having to stretch your budget too much. Accidents are covered from the day of purchase of the policy.

    Inclusions of Arogya Sanjeevani Policy

    Here are various expenses that are covered under the Arogya Sanjeevani Policy
    • Hospitalisation expenses
      1. Room rent, boarding, and nursing expenses are covered up to 2% of the sum insured subject to a maximum of Rs.5000 per day.
      2. Intensive Care Unit (ICU) and Intensive Cardiac Care Unit (ICCU) expenses are covered up to 5% of the sum insured subject to a maximum of Rs.10000 per day.
      3. Surgeons, anesthetists, medical practitioners, consultants, and specialist fees are covered.
      4. Costs incurred on anesthesia, blood, oxygen, operation theatre charges, surgical appliances, medicines and drugs, costs towards diagnostics, diagnostic imaging modalities.
    • AYUSH treatment
      Inpatient care treatment taken in AYUSH Hospital under Ayurveda,Yoga and Naturopathy, Unani, Siddha and Homeopathy systems of medicines during each Policy Year up to the limit of sum insured. Also mention it in the table itself
    • Ambulance expenses
      The policy covers road ambulance expenses charges up to a limit of Rs. 2000 per hospitalisation.
    • Accident cover
      All in-patient hospitalisation expenses related to accidental injury are covered under the Arogya Sanjeevani Insurance Policy.
    • Modern treatments
      Twelve modern treatments are covered up to 50% of the sum Insured.

      Modern Treatments covered under the Arogya Sanjeevani Policy

      1. Uterine artery embolization and HIFU (High intensity focused ultrasound)
      2. Balloon sinuplasty
      3. Deep brain stimulation
      4. Oral chemotherapy
      5. Immunotherapies - monoclonal antibody to be given as an injection
      6. Intra vitreal injections
      7. Robotic surgeries
      8. Stereotactic radio surgeries
      9. Bronchial Thermoplasty
      10. Vaporisation of the prostrate
      11. ION M Intra Operative Neuro Monitoring
      12. Stem cell therapy
      13. ICU/ICCU expenses
        The policy covers expenses incurred due to admission to the ICU / ICCU up to the policy’s sub-limits. This covers the reimbursement / payment of all other hospital expenses, excluding medicine costs, in accordance with the permissible rate per day to the actual rate per day of ICU/ICCU charges.
      14. COVID-19 treatment cover
        Arogya Sanjeevani Mediclaim Policy covers 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.

    Key Benefits of Arogya Sanjeevani Policy

    Lower premiums
    Keeping in mind the rising medical costs in India, the Arogya Sanjeevani policy’s premiums are comparatively lower than other health insurance policies in the market.
    Low co-payment
    There is a minimum co-payment of 5% required to be paid by the insured during an admissible claim in this policy.
    Instalment premium options
    The insured person can choose to pay their premiums in instalments, such as half-yearly or quarterly.
    Tax benefits
    As per Section 80D of the Income Tax Act of 1961, an income tax assessee, either individual or family members under the age of 60 can get Rs. 25,000 rebate on health insurance premium payment, and the amount can reach up to Rs. 50,000 for senior citizens above 60 years. The deductible amount would increase to Rs 1 lakh if two family members over 60 were insured under one policy. Conversely, if one family member is under 60 years of age and his parents are enrolled under the same policy, they can get a deduction of Rs 75,000.

    What are the exclusions of the Arogya Sanjeevani Policy

    The following list of policy exclusions is partial and not a complete list. Make sure you read through all the exclusions in the policy clauses.
    • Expenses related to the treatment of pre-existing diseases (PED) and their direct complications before the expiry of the waiting period as intended in the policy clauses.
    • Treatments, surgeries, and diseases prescribed under the insurance policy clauses will not be covered before the waiting period of either 24 months or 48 months, as applicable.
    • The policy will not cover medical bills arising due to illness within the first 30 days of policy inception under the Arogya Sanjeevani Policy except for Accidental medical expenses, which will be covered from the day of purchase of the policy.
    • Any treatments related to gender change
    • Home treatments and OPD treatments

    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!


    Does Arogya Sanjeevani Policy cover Critical Illness?

    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.
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