Sbi General Arogya Sanjeevani Plan vs Star Critical Illness Plan Health Insurance Plan 2026 | PolicyX

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SBI Arogya Sanjeevani Policy is a standard health insurance policy that comes with an affordable premium and offers a bucket full of benefits to its policyholders. The plan includes benefits such as in-patient hospitalization, pre and post-hospitalization expenses, ICU expenses, daycare treatment, and coverage for up to 12 advanced treatments like Deep Brain Stimulation, Balloon Sinuplasty, Oral Chemotherapy, and Intra Vitreal Injections.

Continue reading to learn more about the plan.

PLAN DETAILS

Sbi General Arogya Sanjeevani Plan

Star Critical Illness Plan

Product Type Individual and Family Health Insurance Critical Illness Health Insurance
Key Features
(Key features of the plan)
  • Affordable Health Plan
  • Eligibility Criteria
  • Inclusions and Exclusions
  • Lump sum payout
  • Accidental hospitalisation cover
  • Non-allopathic treatments cover
OPD Details
(In some policies, OPD (Out patient department) expenses are also covered.)
Not Covered -
Room Rent
(A limit of room rent cover during hospitalization if any)
Covered -
Domicillary Hospitalization
(It is the expenses incurred on treatment of the patient at home)
Not Covered -
Pre-hospitalization
(Expenses before the insured is hospitalized)
Covered -
Post-hospitalization
(Expenses after discharge from the hospital)
Covered -
Day Care Treatment Covered
(Day care treatments refers to the treatments that do not necessarily require 24hrs of hospitalization like MRI.)
Covered -
Hospital_network
(Number of Hospital Network in city)
6000 14000
Organ Donor Expenses
(Expenses incurred on organ donor in case of organ transplants)
Not Covered -
Hospital Daily Allowance
(Some plans offer daily allowance to take care of expenses like food, etc)
Not Covered -
Ambulance Charges
(Expenses incurred on ambulance charges)
Covered -
Maternity Benefits
(All Hospitalization cost covered at the time of pregnancy.)
Not Covered -
New Born Baby Covered
(Newborn babies can be covered under the insurance plan after a certain period)
Not Covered -
Health Checkup
(An added benefit of one time full health checkup of policy holder.)
Not Covered -
Sub Limit
(Sub-limit is a monetary capping that applies on specific diseases like cataract)
Not Covered -
Co-pay
(Mentioned %, if any is to be borne by Insured and rest will be borne by insurer)
Covered -
Plan Entry Age 18 years to 65 Years -
Plan Premium Entry Age and S/A 4004 -
Plan Waiting Period 30 -
Plan Coverage Individual/Family Floater -
Plan Sample Premium 4004 -
Plan Brochure Brochure URL Brochure URL
Policy Term 1 year -
ICU Charges Covered -
Covid-19 Treatment Covered -
Cataract Covered -
Automatic Restoration Not Covered -
Ayush Treatment Covered -
Modern Treatment Covered -
E Consultation Not Covered -
Air Ambulance Not Covered -
Global Coverage Not Covered -
Claim Ratio - 99.06
Solvency Ratio 2.03 2.21
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