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

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


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.