Star Health Arogya Sanjeevani Policy

Nowadays, medical expenses add a major portion to the overall yearly expenses therefore it is really necessary to take care of such expenses. So, many individuals buy a health plan in order to tackle medical expenses. You can explore the Star Health Arogya Sanjeevani Policy that gives you many health benefits at an affordable premium. On the other hand, the amount of the Sum Assured is also high in this insurance policy and you can take it up to Rs.10 Lacs. If you feel like that your family members might face a health problem in the future then you can cover them as well in this plan. So, let’s take a look at the key features of this health policy.

Features of Arogya Sanjeevani plan by Star Health

1. This is a highly affordable health insurance policy.
2. Flexibility of choosing the Sum Assured at the time of inception of the policy.
3. Extend your coverage by covering your family members as well under the same plan.
4. The company will give you a free-look period of 15 days during which you can return the plan.
5. Flexibility of paying the premium on a Yearly, Monthly, half-yearly, and quarterly modes.
6. Enjoy deductions under Section 80D of the Income Tax Act.

Benefits of Arogya Sanjeevani Plan

You must go through the salient benefits of this insurance plan and see the medical expenses that are covered under it.

Hospitalization Expenses Cover

Hospitalization expenses that are covered in this plan are as follows:-

1. Bed-charges
2. Blood tests
3. Nursing charges
4. ICU Charges
5. Consultation fees
6. Room’s Rent cover is 2% of the Sum Assured of up to Rs.5000.
7. ICU’s Rent cover is 5% of the Sum Assured of up to Rs.10000.

Pre and Post-Hospitalization Cover

1. Medical Expenses done prior to 30 days to hospitalization are covered in this plan.
2. Post-hospitalization expenses for up to 60 days are covered in this insurance plan.

Cataract Expenses Cover

You will get the lowest of the following if you are going for the treatment of a cataract illness:-

1. 25% of the Sum Assured
2. Rs.40000

Day Care Treatment Cover

1. Expenses incurred for the treatments that are received within 24 hours are covered
2. Treatments received within 24 Hours without being hospitalized is known as the day care treatment.

Cover for Dental Treatment and Plastic Surgery

Expenses for the Dental Treatment and Plastic Surgery are covered in this plan if it is needed due to any other disease in this insurance plan. The company will cover all the expenses incurred in the Dental Treatment and Plastic Surgery.

AYUSH Treatment

Star Health Arogya Sanjeevani Policy will also cover the expenses incurred for the AYUSH Treatment. The AYUSH Treatments are as follows:-

1. Ayurveda Treatment
2. Unani Treatment
3. Siddha Treatment
4. Homeopathy Treatment

Other Treatments Covered

Ambulance Cover

The company will cover all the expenses related to the Ambulance. You allowed taking the maximum claim of Rs.2000 per hospitalization for the ambulance
expenses.

Cover your Family

You are allowed to earn more discounts on the amount of premium by adding more family members to the same plan. You can add the following members to the plan:-

1. Spouse
2. Children
3. Parents
4. In-laws

Claim-Free Year Benefit

1. Get a Claim-Free Bonus of 5% of the Sum Assured Every year.
2. The Sum Assured will keep on increasing by 5% after every claim-free year until it reaches 50% of the Sum Assured.

Eligibility Criteria of Star Health Arogya Sanjeevani Policy

Waiting Period of this Health Plan

There is a waiting period of 2 years and 4 years for various illnesses. You can see the illnesses below that have a waiting period of 2 years and 4 years.

Illnesses Having a Waiting Period of 2 Years

1. Internal Congenital Anomalies
2. Varicose Veins and Varicose Ulcers
3. Calculi in the urinary system, Gall Bladder, and Bile duct, excluding malignancy
4. Prolapse inter Vertebral Disc and Spinal Diseases unless arising from an accident
5. Pilonidal sinus, Sinusitis, and related disorders
6. Piles, Fissures and Fistula in anus
7. Non-Infective Arthritis
8. Hydrocele
9. Hernia of all types
10. Gout and Rheumatism
11. Gastric/ Duodenal Ulcer
12. Cataract and age-related eye ailments
13. Benign prostate hypertrophy
14. All internal and external benign tumors, cysts, polyps of any kind, including benign breast lumps
15. Hysterectomy
16. Tympanoplasty
17. Mastoidectomy
18. Adenoidectomy
19. Benign ENT disorders
20. Tonsillectomy

Illnesses Having a Waiting Period of 4 Years

1. Treatment for joint replacement unless arising from an accident
2. Age-related Osteoarthritis & Osteoporosis