Who can be covered under this policy?

People aged between 18 years to 65 years at the time of entry can be covered under this policy. Dependent children can also be added if they are aged between 3 months to 25 years.

What are the sum insured options available under this policy?

Arogya Sanjeevani Policy, Star Health and Allied Insurance Co Ltd can be purchased for sum insured options of Rs. 1 Lakh, Rs. 1.5 Lakh, Rs. 2 Lakh, Rs. 2.5 Lakh, Rs. 3 Lakh, Rs. 3.5 Lakh, Rs. 4 Lakh, Rs. 4.5 Lakh, and Rs. 5 Lakh.

What is the policy term for Arogya Sanjeevani Policy, Star Health and Allied Insurance Co Ltd?

The policy term for Arogya Sanjeevani Policy, Star Health and Allied Insurance Co Ltd is of one year. The policy needs to be renewed every year.

Can I avail cashless treatment under this policy?

Yes. The policyholders can avail cashless treatment under Arogya Sanjeevani Policy, Star Health and Allied Insurance Co Ltd in more than 9,800 network hospitals.

Is there any co-payment clause under this policy?

Yes. Each and every claim under this policy shall be subject to a co-payment of 5%.

When should I inform the insurer in case of planned or unplanned hospitalisation?

The insurer or the TPA must be informed within 48 hours of hospitalisation or before discharge in case of planned hospitalisation. Whereas in unplanned hospitalisation, the notification period is of 24 hours of hospitalisation or before discharge, whichever is earlier.

Is the policy renewable for a lifetime?

Yes. The policy is renewable for a lifetime.

What is the sum insured basis for this policy?

Arogya Sanjeevani Policy, Star Health and Allied Insurance Co Ltd can be purchased on an individual or floater sum insured basis.

Is there any pre-acceptance medical screening required under this policy?

Yes. Individuals aged above 50 years are required to go for pre-acceptance medical screening at network facilities.

Is there any waiting period for pre-existing diseases under this policy?

Yes. The policyholders need to complete a waiting period of 48 months for pre-existing diseases.

Star Arogya Sanjeevani Health Insurance Wordings

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Highlights

Cashless Approval TAT	Within 2 hours
Claim Settlement Ratio	99.10%
Network Hospitals	14,000+
Pre-existing Disease Waiting Period	1 year
Special Benefits	No Extra Premium for Disease Coverage
Starting Premium for Rs. 5 lakhs SI	Rs. 410/month

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Star Arogya Sanjeevani Policy Brochure

1.05 MB
PDF Document
Apr 17, 2020

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Name of Plan	Sum Insured
Smart Health ProPopular		Check Premium
Women CarePopular		Check Premium
PremierePopular		Check Premium
AssurePopular		Check Premium
Young Star Insurance PolicyMin: 91 days; Max: 40 yearsPopular	3 Lakh-1 Crore	Check Premium
Arogya Sanjeevani PolicyMin: 3 months; Max: 65 years	1 Lakh - 5 Lakh	Check Premium
Corona Kavach PolicyMin: 1 Day, Max: 65 Years	50,000 - 5 Lakh	Check Premium
Corona Rakshak PolicyMin: 18 years; Max: 65 years	50,000 - 2.5 lakh	Check Premium
Outpatient Care Insurance PolicyMin: 31 day; Max: 50 years	25 Thousand - 1 Lakh	Check Premium
Star Micro Rural And Farmers Care PolicyMin: 12 months; Max: 65 years		Check Premium
Star Novel Coronavirus (nCov) (COVID-19) InsuranceMin: 3 months; Max: 65 years		Check Premium
Family DeliteMin: 5 Months; Max: 65 Years	2 Lakh	Check Premium
Star Care Micro InsuranceMin: 2 Years; Max: 65 Years	1 Lakh	Check Premium
Star ComprehensiveMin: 3 Months; Max: 65 Years	5 Lakh	Check Premium
Red CarpetMini: 60 Years; Max 75 Years	1 Lakh	Check Premium
Diabetes SafeMin: 18 Years; Max: 65 Years	3 Lakh	Check Premium
Cardiac CareMin: 10 Years; Max 65 Years	3 Lakh	Check Premium
Medi Classic Insurance PolicyMin: 5 Months; Max: 65 Years	2 Lakh	Check Premium
Cancer Care Gold Min: 5 Months; Max: 65 Years	3 Lakh	Check Premium
Star Health GainMin: 91 Days; Max: 65 Years	1 Lakh	Check Premium
Special Care Min: 3 Years; Max: 25 Years	3 Lakh	Check Premium
Criticare PlusMin 18 Years; Max: 65 Years	2 Lakh	Check Premium
Family Health OptimaMin: 16 Days; Max: 65 Years	3 Lakh	Check Premium

Star Health Insurance Top Up List

Family (1)
Individual (1)

Name of Plan	Sum Insured
Super SurplusMin: 91 Days; Max: 65 Years	5 Lakh	Check Premium
Star Hospital Cash Insurance PolicyMin: 91 days; Max: 65 years		Check Premium

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FAQs on Arogya Sanjeevani Policy Health Insurance Plan

Who can be covered under this policy?
People aged between 18 years to 65 years at the time of entry can be covered under this policy. Dependent children can also be added if they are aged between 3 months to 25 years.
What are the sum insured options available under this policy?
Arogya Sanjeevani Policy, Star Health and Allied Insurance Co Ltd can be purchased for sum insured options of Rs. 1 Lakh, Rs. 1.5 Lakh, Rs. 2 Lakh, Rs. 2.5 Lakh, Rs. 3 Lakh, Rs. 3.5 Lakh, Rs. 4 Lakh, Rs. 4.5 Lakh, and Rs. 5 Lakh.
What is the policy term for Arogya Sanjeevani Policy, Star Health and Allied Insurance Co Ltd?
The policy term for Arogya Sanjeevani Policy, Star Health and Allied Insurance Co Ltd is of one year. The policy needs to be renewed every year.
Can I avail cashless treatment under this policy?
Yes. The policyholders can avail cashless treatment under Arogya Sanjeevani Policy, Star Health and Allied Insurance Co Ltd in more than 9,800 network hospitals.
Is there any co-payment clause under this policy?
Yes. Each and every claim under this policy shall be subject to a co-payment of 5%.
When should I inform the insurer in case of planned or unplanned hospitalisation?
The insurer or the TPA must be informed within 48 hours of hospitalisation or before discharge in case of planned hospitalisation. Whereas in unplanned hospitalisation, the notification period is of 24 hours of hospitalisation or before discharge, whichever is earlier.
Is the policy renewable for a lifetime?
Yes. The policy is renewable for a lifetime.
What is the sum insured basis for this policy?
Arogya Sanjeevani Policy, Star Health and Allied Insurance Co Ltd can be purchased on an individual or floater sum insured basis.
Is there any pre-acceptance medical screening required under this policy?
Yes. Individuals aged above 50 years are required to go for pre-acceptance medical screening at network facilities.
Is there any waiting period for pre-existing diseases under this policy?
Yes. The policyholders need to complete a waiting period of 48 months for pre-existing diseases.

View More Questions

Claim Process at Star Health Insurance

Network Hospital
Non-Network Hospital

1
Claim Assistance
For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
2
Claim Intimation
Emergency hospitalisation needs intimation within 24 hours and for planned hospitalisation intimate within 48 hours prior to admission.
3
Claim Processing
Fill in the pre-authorisation form and hand it over to hospital's insurance/TPA desk to initiate claim request.
4
Claim Settlement
Once your request is approved, claim is settled. If not approved, claim for reimbursement after discharge.

1
Claim Assistance
For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
2
Claim Intimation
Emergency hospitalisation needs intimation within 24 hours and for planned hospitalisation intimate within 48 hours prior to admission.
3
Claim Processing
Submit claim form with original documents such as doctor’s reports, hospital bills, diagnostic tests, etc.
4
Claim Settlement
Once your request for reimbursement of expenses is approved, the claim will be settled.