Star Health Arogya Sanjeevani Insurance Policy 2025: All You Need To Know

The need of present-day people is safe and dependable medical insurance particularly the families which seek a cheap insurance cover. Star health Arogya Sanjeevani is a simplified and standard health policy supported by one of the biggest standalone health insurance companies in India, Star health. Supposing you are in search of a simple 2025-coverage plan in accordance with the IRDAI-specified Arogya Sanjeevani standards of 2025, this text has everything that you want to learn.

What is Star Health Arogya Sanjeevani Policy?

Star Health Arogya Sanjeevani is a simple health insurance policy which serves to Indian families and individuals. It is a government sponsored scheme and seeks to achieve affordable health care cover that enjoys universal acceptability of features and benefits. It includes inpatient expenses, day care surgeries, and AYUSH treatments among others at affordable premiums.

Self-employed, those that earn salary, homemakers in case of a medical crisis in 2025, health expenses are also on the increase with this plan, it is a satisfying experience.

Who needs to look at Arogya Sanjeevani as of 2025?

• New purchasers of insurance First time insurance buyers
• Individuals who want standardized coverage that complies with the norms of IRDAI
• Self and family member under 65 years
• Small company operators or workers seeking low priced group health cover
• Families that require an all-in-one simple one Family requires solution

Did you not know? Industry experts estimate that almost 60 percent of new customers purchasing policies in entry-level segments take Arogya Sanjeevani because of its simplicity of onboarding and open terms.

What are Main Features of Star Health Arogya Sanjeevani Policy?

Arogya Sanjeevani has been developed to be holistic but informative. These are the highlights:

• Sum Insured Options: 50,000, 50,000 to 10,00,000 in increment of 50,000
• Entry Age: 18 to 65 years for adults, 3 months to 25 years for children (family floater)
• Lifelong Renewability: Once entered, life-long renewable policy is possible
• Coverage: Hospitalization, ICU, day care treatment, AYUSH, pre hospitalization, post hospitalization and so on

Highlights of the Most Important Advantages

• HOSPITALIZATION UP to sum insured
• Renting of rooms up to 2 percent of sum insured or Rs 5,000/day
• ICU/ICCU claim up to 5 percent of sum insured or Rs 10, 000/day
• Cataract treatment up to 25 percent of sum insured (maximum Rs 40,000 per eye)
• Up to 50 percent no claim bonus
• Sub-limits do not allow you to consume more than you should but also guard against bill shock

Bullet Highlights:

• Cashless treatment in India
• Covers treatment under Ayurveda, Yoga and Naturopathy, Unani, Siddha, and Homeopathy (AYUSH)
• Comprehensive over 500 day care procedures
• An ambulance fee is up to 2000 Rs per hospitalization
• Pre-hospitalization (30 days) and post hospitalization (60 days) cover

Professional analysis: The policy comes with new-fangled daycare treatments such as chemotherapy and radiotherapy but without long paperwork hence convenient to the contemporary medical demands.

What is not Covered in the Policy?

• Existing conditions within the first 4 years
• OPD or home hospitalization
• Cosmetic surgery which is not medically necessary
• Maternity and newborn related expenses (unless specified)
• Dental, hearing aids, spectacles unless in a case of accident

What Makes the Star Health Arogya Sanjeevani Policy Different Than Other Health Policies?

*Standard Mediclaim means general health insurance plans, may vary as per insurer and city

Can the Star Arogya Sanjeevani suffice a Common Indian Family?

Most families who need a cover that is hopefully affordable will find it a perfect match but you may be needing more in case you want to cover:

• There is increase of sum insured more than 10 lakh
• Coverage of particular and expensive conditions such as cancer, cardiac, etc.
• Extras such as wellness, OPD, global treatments etc.

It is a traditional starter policy, as it is promoted by many, with better options as a family increases in income and outgo.

There are other people who pose the questions:

Q: In 2025 can I purchase the policy online?
Yes, Star Health has a smooth online buying experience that includes the eKYC and WhatsApp assisted process that help in purchasing Arogya Sanjeevani Policy.

Did you know? According to the IRDAI data of 2024, Over 35 percent of the Star Health Arogya Sanjeevani sales are already completed via the digital platform and the figure is set to gain more momentum by 2025.

What is the Premium of Star Health Arogya Sanjeevani Policy?

The premium will be based on how old you are, your city, your family size and also on the sum insured. Nevertheless, Star Health maintains transparency and affordability of prices since the policy is standardized.

2025 Premium Examples (Indicative, may vary by GST and location)

The premiums are excluding GST. The rate of renewal goes up with age and the policy is renewable to life.

How to Calculate Own Premium?

One can refer to the Star Health official site, or can communicate with authorized agents. Put in your details to get a quote in realtime.

Pro Tip: Floater plan is cheaper as compared to individual covers when to families.

What are Pros and Cons of Star Health Arogya Sanjeevani Policy?

Pros

• IRDAI standardized it and it is simple to compare it with the offerings of competing insures
• Cheap fixed fees, no extras
• Anticipates the majorities of common requirements of hospitalization
• No room rent capping confusion (clear sub-limits)
• No-cash care in more than 14,000 affiliate hospitals by 2025

Cons

• Lower sum insured cap (only up to ₹10 lakh)
• There can be sub-limits that limit expensive hospitals claims
• No OPD, maternity or wellness benefits coverage
• Long initial waiting period for pre-existing conditions (48 months)
• No international or even progressive disease-oriented advantages

Insider opinion: According to most users, Star Health settles claims faster especially the cashless ones, as they have special staff that takes care of customers.

How does Claim Process Under Star Health Arogya Sanjeevani Policy work?

What to Do to Put Forward a Claim?

To activate the claim, one can inform the hospital or the Star Health website or Star Health 24x7 helpline (preferably within 24 hours of planned admissions and at once in case of an emergency).
Provide documents, such as policy information, ID and medical records.
Enjoy cashless treatment in the network hospital or submit reimbursement in the case of non-network hospital.

Which Documents are Required?

• Hospitalization synopsis or discharge card
• Receipts and bills
• Doctor’s prescription
• Diagnostic reports

The claims process is also faster and in 2025, most cashless claims will pass within 2 4 hours at network hospitals as per user feedback.

Another question people will also ask would be:

What is discussed in pre and post hospitalization?

It covers consultation, diagnostic services, and medications during 30 days of hospitalisation and 60 after the hospital stay, depending on the sum assured.

Now did you know? In 202425, over 90 percent of cashless claims made using the special mobile application available at Star Health were processed without the follow up in urban centres.

Which are the Diseases and Treatments covered under the Star Arogya Sanjeevani?

• Accident and Illness hospitalization costs
• More than 500 day care operations such as dialysis, cataract surgery, and chemotherapy
• Organ donor expenses (up to sum insured)
• Ambulance on the road up to 100 kilometers (as it is prescribed)
• Government recognized centers of AYUSH treatments

What are Common Scenarios of Claims?

• Appendicitis operation
• Hospitalization on typhoid or dengue fever
• Uncomplicated orthopedic surgery
• Chemotherapy sessions (daycare)
• Cataract removal

What is Not Covered?

In addition to listed exclusions above, there are various common non-covered expenses:

• Self-inflicted injuries
• Treatment through alcohol/drug abuse
• War, nuclear threat
• Prescription-free dietary supplements

In 2025, how do I purchase, renew and port star health arogya sanjeevani policy?

Buying Online

• Go to the official site of Star Health Insurance
• No detail to go in for a customized price quote.
• Upload KYC, medical reports if required (for higher age or sum insured)
• Make premium payment through the UPI, debit card, net banking
• Fill out policy immediately in email

Guru Tip: Star Health has incorporated WhatsApp and videotape KYC in 2025 on the on-boarding issue so that remote and elderly people can easily purchase new policies or renew others without paperwork.

Renewal and Portability

• Online renewal prior to policy expiry in order to preserve the benefits of the waiting period
• Without continuity loss, you can port Arogya Sanjeevani policy of another insurer, on the basis of IRDAI guidelines
• SMS and email powers are used to send renewal reminders

Is it Possible To Add Riders or Tailor The Policy?

Arogya Sanjeevani is designed to be a fundamental policy and it does not offer riders such as critical illness or maternity. Nevertheless, you can also purchase top-up policies of Star Health, separately to increase your cover beyond 10 lakh or opt to have disease specific plans along with it.

How Does It Rank in Comparison with Other Insurers that Offer Arogya Sanjeevani?

The policy is available with identical coverage by all the insurers as laid down by IRDAI. The part that differs is:

• Level of services and rates of claims settlements
• Size of a hospital network
• Customer support interface (digital, in person)
• Premium pricing (can change by 5–15 percent between insurers)

Sample Comparison in 2025 (Sum Insured ₹5 lakh, 35-year-old individual)

The question is also posed by people:

Q: Which company is better to purchase products in Star Health or in other companies?
In case you appreciate bigger hospital network and special health insurance services, Star Health Arogya Sanjeevani might be your choice. Similar functions can be provided by others, so you should compare the level of service and digital advancement.

A Few Pitfalls to Avoid in Arogya Sanjeevani Policy

• Failure to declare pre existing ailments during purchase
• Terminating the policy: you forfeit waiting period and continuity
• Suppose one has unlimited coverage of all treatments. Sub-limits should be always checked
• Purchasing of separate covers to the individual members of the family when a floater would cost less money
• Overlooking such exceptions as maternity or OPD

The Real Feedback - User Experience in 2025

Majority of users indicate the ease of onboarding, though more so in the digital world. Fast premium payment on network hospitals and smooth premium renewal are the major pluses. Others however believe that the sub-limiting factor of the hospital rooms make it difficult to utilize at high-end urban hospitals, particularly in metros.

Surprisingly, did you know? Estimated numbers mean that by 2025, Star Health Arogya Sanjeevani policies are expected to be held by more than 2 million Indians with most of them being less than 40 years old reflecting its popularity in families and first-time purchasers.

Read the quick summary below.

• Star Health Arogya Sanjeevani is an approved basic health insurance by the IRDAI
• It provides sum insured of 50000 to 10 lakh on a designated plan with different benefits and sub-limits
• Most suitable to firsttimers or young families or employees working in small businesses in 2025
• The process of claiming is quick since it does not involve cash as well as a large hospital network
• Policy is affordable, basic, and does not cover global care, OPD or maternity

Frequently Asked Questions (People Also Ask)

Q1. What are the diseases included in Star Health Arogya Sanjeevani Policy?
All major ailments causing hospitalisation are included such as, communicable diseases, surgeries, accidents and over 500 day-care treatments.

Q2: What is the duration of claim settlement in 2025?
In the network hospitals, most cashless claims are approved with 2-4 hours. It is usually 5-7 working days before reimbursement claims are made following the submission of documents.

Q3: Is it possible to transfer this policy to a new insurer?
Yes, prior to renewal you can transfer this policy to a different IRDAI-authorised Arogya Sanjeevani provider without having to break continuity of the waiting period.

Q4: How high is the limit of the hospital room rent in this policy?
The amount chargeable in respect of room rent does not exceed two percent of the sum insured or Rs 5,000 per day (whichever is lower). There is an upper limit of five percent or 10,000 rupees on ICU.

Q5: Does AYUSH treatment get coverage?
Treatments under Ayurveda, Yoga and Naturopathy, Unani, Siddha and Homeopathy are covered up to sum insured subject to government recognised centres answer is Yes.

Q6: What is the age of entry?
Citizens aged 18-65 years are allowed to join and their dependent children are included under the family floater up to the age of 25 years.

Q7-Does it have a wellness reward programme?
At the present time, the Arogya Sanjeevani Policy is not accompanied with wellness or fitness rewarding facility.

Sources:

• Official star health and allied insurance product page: https://www.starhealth.in/health-insurance/arogya-sanjeevani-policy
• IRDAI Standardization Circulars : https://www.irdai.gov.in/
• Information on industry: https://economictimes.indiatimes.com/wealth