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Last updated on: September 22, 2025
The Reliance Arogya Sanjeevani Plan and Star Comprehensive Plan are popular health insurance options in India, but they differ significantly in coverage and benefits. The Reliance Arogya Sanjeevani Plan is a standard, affordable policy mandated by IRDAI, offering basic coverage up to ₹5 lakh for hospitalization, pre- and post-hospitalization expenses, and some daycare treatments, but with limited add-ons and no room rent flexibility. In contrast, the Star Comprehensive Plan is a premium option with higher sum insured choices (up to ₹1 crore), broader coverage including maternity benefits, annual health checkups, no room rent cap, restoration of sum insured, and a wider range of add-ons and wellness benefits. While Reliance Arogya Sanjeevani is ideal for those seeking budget-friendly, essential medical coverage, the Star Comprehensive Plan suits those needing extensive protection and additional features.
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Selecting the appropriate health insurance cover either to cover your family or individual can be very confusing due to the number of covers in the market. Two of its significant products such as Reliance Arogya Sanjeevani Plan and Star Comprehensive Plan are popular and flexible in terms of coverage in 2025. They both serve the individual and family medical requirements and differ considerably in features, premiums, benefits, and ease of settling claims. This paper discusses the features of all the products, advantages and disadvantages of each and tries to assist you to determine which insurance policy to use based on your health needs.
Most of the people currently seek a rudimentary and cost effective health insurance that covers hospitalisation, OPD, and cashless service at India. This is what is now expected of new age health insurance products.
Reliance Arogya Sanjeevani Plan is a typical health insurance scheme, as it aims at rendering medical cover to be inexpensive and uncomplicated to everyone. It is supported by the IRDAI guidelines and comes with the same base benefits in all the insurance companies.
Did you know?
Most of the inexpensive health provisions in India today follow the fundamental design of Arogya Sanjeevani Plan following the transition of IRDAI to standardisation in 2020.
The Comprehensive Plan employed by Star Health is a high-quality health coverage with additional benefits that can be taken by a family that seeks an advanced level of coverage in 2025. It enables greater amounts of sum insured, numerous wellness benefits and reduced sublimits than the regular health plans.
The following is a simplified pros and cons table in an attempt to compare the two plans based on relevancy, value, and user suitability in the present landscape.
| Benefit | Arogya Sanjeevani Plan | Star Comprehensive Plan |
|---|---|---|
| Sum Insured Range | 1 lakh to 5 lakhs | 5 lakhs to 1 crore |
| Family Floater Option | Yes | Yes |
| Maternity Cover | No | Yes |
| AYUSH Treatment | Yes | Yes |
| Waiting Period in Case of Pre-existing | 2 years | 2 to 4 years |
| OPD/Dental | No | Yes |
| Restoration of Sum Insured | No | Yes (up to 100%) |
| Room Rent Restrictions | Limit (2 percent per day) | None limited |
| Premium (30 years of age, 5L SI) | 6000-7500 | 12900-16000 |
| Cashless Hospital Network | 8,600+ | 14,000+ |
| Annual Health Check-up | No | Yes |
| Renewal Age of policy | Life long | Life long |
Premiums are motivational and can vary based on the location, age, and the plan structure.
What is more suitable between Reliance Arogya Sanjeevani and Star Comprehensive to the seniors?
The Star Comprehensive is offered to the senior citizens because it provides greater sum of insured, includes daycare and includes more benefits such as annual health check-ups. In the basic needs, the plan of Reliance includes the essentials at a reduced cost.
Did you know?
The policy was adopted by young Indian families twice, with the assistance of IRAI standard health plans between 2021 and 2024.
People also ask
Is Star Comprehensive Plan inclusive of existing diseases?
Yes, the pre-existing diseases are covered once the required waiting period is met which is generally 36 to 48 months based on medical underwriting.
The following table is a visualisation of some of the key differences that occur on a day to day basis that would be of interest in the event that you or your family becomes ill. This is able to make decision making quicker.
| Factor | Reliance Arogya Sanjeevani | Star Comprehensive |
|---|---|---|
| Room Rent | Up to 5000 rupees per day (max) | Unlimited |
| Pre Hospitalization | 30 days | 60 days |
| Post Hospitalization | 60 days | 90 days |
| Ambulance Cover | Rs 2,000 per hospitalisation | Rs 2,000 to 10,000 |
| Maternity | No (with waiting period) | Yes |
| OPD and Dental | No | Yes |
| None of the Claim Bonus | Up to 50 percent | Up to 100 percent |
| Annual Health Check | No | Yes |
People also ask
What is missing in Reliance Arogya Sanjeevani?
Uncovered are cosmetic surgery, advanced dental work, infertility treatment and maternity related hospitalisation.
Did you know?
In a 2024 ET-Health survey, Star Health scored the highest level of satisfaction with its customer support compared to any other Indian health insurer.
Yes, most of the insurers such as the Reliance also enable you to port or upgrade your current cover into a bigger one should you need it when it is due to be renewed. Waiting period will however be applicable according to new policy guidelines, hence, confirm before proceeding.
Did you know?
Among policyholders, those younger than 35 years had the highest chances of switching up to comprehensive plan out of entry level covers due to increases in their incomes in 2024.
People also ask
Does it include home treatment in these plans?
The standard plan of Reliance does not cover home care. Star Comprehensive however covers domiciliary hospitalisation provided that doctor advised.
Am I entitled to cover my parents with Arogya Sanjeevani Plan?
Yes, Reliance, and other insurers allow you to cover your parents by a family floater plan, provided they can pass the entry age conditions.
Do both the plans qualify as tax exempt under section 80D?
Yes, it is open to tax deduction under Section 80D of the Income Tax Act on premium paid on both policies.
Time taken to settle claim?
The turnaround time of claims would be few hours in terms of cashless claims to between 7 and 15 days in terms of reimbursement claims depending on document completion and hospital tie ups.
Will I be able to purchase these plans in 2025 online?
Both of them are entirely online and can be bought either on official insurance websites or by trusted aggregators.
How could we improve this article?
Written by Prem Anand, a content writer with over 10+ years of experience in the Banking, Financial Services, and Insurance sectors.
Prem Anand is a seasoned content writer with over 10+ years of experience in the Banking, Financial Services, and Insurance sectors. He has a strong command of industry-specific language and compliance regulations. He specializes in writing insightful blog posts, detailed articles, and content that educates and engages the Indian audience.
The content is prepared by thoroughly researching multiple trustworthy sources such as official websites, financial portals, customer reviews, policy documents and IRDAI guidelines. The goal is to bring accurate and reader-friendly insights.
This content is created to help readers make informed decisions. It aims to simplify complex insurance and finance topics so that you can understand your options clearly and take the right steps with confidence. Every article is written keeping transparency, clarity, and trust in mind.
Based on Google's Helpful Content System, this article emphasizes user value, transparency, and accuracy. It incorporates principles of E-E-A-T (Experience, Expertise, Authoritativeness, Trustworthiness).
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