Arogya Sanjeevani Policy Health Insurance

4.5/5

Sum insured

₹50K – ₹10L

Premium

From ₹2,916/yr

A standardised policy design mandated by IRDAI — carries a 5% co-payment on every claim, keeping the premium low while still covering modern treatments up to 50% of sum insured.

About Star (Insurer Profile)

Star Health Insurance

Key Insights

Founded

2006

Star Health Insurance was established 20 years ago and has built strong credibility over time, backed by its long-standing presence in the market.

Claims Experience

90% CSR, calculated as a 3-year average

Star Health Insurance settles 90% of all claims it receives.

Network Hospitals

14,000+

Star Health Insurance has a network of 14,000+ hospitals, ensuring wide accessibility and convenience for policyholders.

Contact Details

1800 425 2255

Headquarters: No. 1, New Tank Street, Valluvarkottam High Road, Nungambakkam, Chennai – 600034, Tamil Nadu, India

The aforementioned ratios have been averaged over three years (FY24-FY26)

Arogya Sanjeevani Policy Features and Benefits

Room rent capped at 2% of sum insured (max ₹5,000/day); ICU at 5% (max ₹10,000/day)
5% co-payment applies on all claims
Modern treatments (robotic surgery, stem cell therapy & more) covered up to 50% of sum insured
Cumulative Bonus — 5% extra sum insured per claim-free year, up to 50%

Insurer

Star Health Insurance plans and claim process

Disclaimer: Premium amounts are indicative and may vary based on age, health, and plan selected. Claim settlement ratios are from IRDAI Annual Reports. Finzony is not an insurance broker or agent. Verify all details on the official Star Health Insurance website before purchasing.