Arogya Plus Policy
  • Understand What is Arogya Plus?
  • Know the Eligibility Criteria
  • Sample Illustration of the Premiums
Buy Policy in just 2 mins

Buy Policy in just 2 mins

Happy Customers

2 lakh + Happy Customers

Free Comparison

Free Comparison

Customized Health Insurance Plan for you.

Enter Your Name

Mobile Number


SBI Arogya Plus Policy

SBI Arogya Plus Plan offers financial protection to you and your family during a medical emergency. The plan ensures that the policyholder concentrates on his/her treatment without worrying about the treatment expenses.

Arogya Plus Policy by SBI General Insurance is available on an individual and family floater plan type and offers an array of benefits to the policyholder. SBI Arogya Plus policy comes with a lifetime renewal option and also provides cashless treatment in their 4,400+ network hospitals.

Here are all the details that you need to know about the plan

Eligibility Criteria of SBI Arogya Plus

Minimum Entry AgeAbove 3 months
Maximum Entry Age65 years
Maximum Exit AgeNo Bars
Members Included (Family Floater)Self, spouse, maximum 2 children, dependent parents and depend on parents in law.
Sum Amount OptionRs.1 Lakhs, Rs.2 Lakhs, Rs. 3 Lakhs

**Last Updated on February, 2022

Key Features of SBI Arogya Plus Policy

The features of the health insurance plan have been explained in detail below:

  1. In-Patient Hospitalization

    The plan covers all the expenses incurred during the hospitalization such as Anesthesia, blood, oxygen, operation theatre expenses, surgical appliances, medicines and consumables, diagnostic expenses, and x-ray, dialysis, chemotherapy, radiotherapy, cost of a pacemaker, prosthesis/internal implants, Dressing, ordinary splints, and plaster casts, and many medical expenses incurred as an integral part of the operation.

  2. No Health Checkup Required

    All do not need to go through the pre-insurance health checkup. Pre-insurance health checkup is compulsory only for policy buyers more than 55 years of age.

  3. Domiciliary Hospitalization

    In certain cases, where the patient is unable to travel or there is the unavailability of beds, then in such cases, the plan will allow the policyholder to avail domiciliary hospitalization.

  4. Free Look Period

    According to the procedure under the plan, 15 days free look period is provided to the insured to finalize the policy. In any case, if the insured is not satisfied with the plan then he/she has full right to cancel the policy.

  5. Grace Period

    A grace period of 30 days is provided to the policyholder to pay the premium for renewal. In case of failure, the policy is subjected to lapse.

  6. Hospitalization Cost

    In the case of inpatient hospitalization, all the medical expenses incurred are managed and paid out under the plan. There are procedures for covering both pre-hospitalization and post-hospitalization expenses.

  7. Tax Benefit

    The premiums paid under the plan are tax exempted under section 80 D of the income tax act, 1961.

Calculated OPD Charges As Per Premium

Below-mentioned are all the OPD charges that can be covered under the plan. The below tables gives the illustration of OPD charge coverage under the particular premium of Rs. 8,900.

Under SBI Arogya Plus Policy, one can avail of the outpatient treatment up to the below-mentioned amount.

SBI Arogya Plus Individual Plan OPD Charges Coverage For Premium Rs. 8,900

Age ( in Years) Sum Insured Options (in Rs.)
1 Lakhs2 Lakhs3 Lakhs
0.25 - 407,0005,5004,000
41 - 456,5003,5002,000
61 -652,000500500

**Last Updated on February, 2022

Graph illustrating OPD Charges Coverage For Premium Rs. 8,900 under SBI Arogya Plus Individual Plan

Graph illustrating OPD Charges covered under SBI Arogya Plus Individual Plan

What Is Covered Under SBI Arogya Plus Policy?

In-patient HospitalizationCovered
Pre-Hospitalization ExpensesCovered, up to 60 days
Post-Hospitalization ExpensesCovered, up to 90 days
Hospitalization ExpensesAll the expenses incurred after the hospitalization is covered under this according to the policy.
Day Care ExpenseCovers up to 141 daycare procedures.
Ambulance ExpenseActual ambulance expenses or INR 1500 whichever is lower will be reimbursed
Domiciliary HospitalizationAvailable
Alternative TreatmentCovers the Allopathic treatment or Modem medicines and includes Ayurveda, Unani, Sidha and Homeopathy (AYUSH)
Maternity ExpenseCovered up to the OPD limit of the policy.
HIV/AIDS CoverCovered, up to Rs.50,000 except for the conditions which are permanently excluded
Mental Illness CoverCovered, up to Rs.50,000
Genetic DisorderCovered, up to Rs.50,000
Internal Congenital DiseasesCovered up to the Limit of Rs. 10% of Sum Insured.
Waiting Period
Pre-existing Diseases48 Months
First Thirty Days Period30 Days, except for accidents
Certain Specific Illnesses12 Months & 90 Days

**Last Updated on February, 2022

What Is Not Covered Under SBI Arogya Plus Policy?

  • The treatment operated outside India does not get coverage.
  • Nuclear weapon/material inflicted injury.
  • Hostilities, war, an act of a foreign enemy, invasions, etc.
  • Intentionally self-inflicted injury, or injury due to violation of any law.
  • Epidemic disease recognized by WHO or Indian Government.
  • Cosmetic or aesthetic treatments of any description, Lasik treatment for refractive error. Any form of plastic surgery (unless necessary or the treatment of illness or accidental bodily injury)
  • Vaccination or inoculation except as part of the post-bite treatment of animal bite.

How To Buy SBI Arogya Plus Policy

You can buy the SBI Arogya Plus policy directly from the company's official website or you can buy it from Let's look at both the buying process in detail:

Buying process through SBI official website

  • Visit the official website of SBI health insurance and click on the 'Buy' option under 'Health Tab'.
  • Fill the form with the details & submit your form.
  • The next page will show you the most-suited plan along with the premium amount.
  • Make an online payment.
  • Once the payment is received, your policy document will be mailed to you at your registered email address.

Buying process through

  • Fill the form "Calculate SBI Health Insurance Premium Now" available at the top of this page.
  • Once done, click on the continue tab, and on the next page, your premiums will be displayed.
  • Choose your ideal sum insured and check the premium online.
  • Make the payment online
  • Once the payment is received by the company, they will send you your policy detail.
Buying From SBI Health Insurance
Buying From Policyx Website SBI Health Plan

What Is the Claim Process for SBI Arogya Plus Policy?

The company offers a quick and hassle-free claim process for SBI Arogya Plus Policy. Let's take a look at it.

  • Inform the company about the claim by dialing the toll-free number: 1800 22 1111, or SMS 'CLAIM' to 561612.
  • One of the SBI customer representatives will reach out to you within 24 hours of filing the claim with details of the required documents and further steps.
  • Submit all the required documents.
  • The company will initiate the process and settle all relevant claims within 30 days of the final survey report.

SBI General Important Links

SBI Arogya Plus: FAQs

1. Which are the relationships does SBI Arogya Plus health insurance cover?

SBI Arogya Plus health insurance covers self, spouse, dependent children, parents, and parents-in-law.

2. Is a pre-policy medical check-up required to buy an SBI Arogya Plus plan?

If you are under the age of 55 and have no medical history, you do not need to have a pre-policy medical check-up to buy this policy.

3. Is there any grace period offered under the SBI Arogya Plus plan?

SBI Health Insurance offers 30 days grace period to renew your SBI Arogya Plus plan. However, coverage would not be allowed during the grace period.

4. Does the SBI Arogya Plus Policy cover Ayurveda and Homeopathy treatments?

Yes, alternative treatments such as Ayurveda, Homeopathy, Sidha, and Unani are covered under this policy.

5. What is the pre-existing waiting period for SBI Arogya Plus Policy?

SBI Arogya Plus Policy has 4 years waiting period for pre-existing diseases.

6. Is there a free look period in the policy?

Yes, there is a free look period of 15 days from the receipt of the policy

7. Is there a no-claim bonus benefit available under the SBI Arogya Plus policy?

No, the SBI Arogya Plus policy does not offer a no-claim bonus benefit.

8. Can I increase my sum insured amount during the policy tenure?

No, You can not change the sum insured amount during the policy tenure. You can increase the sum insured amount only at the time of renewal.

Find Out What Customers Are Saying

(Showing latest 5 reviews only)

- 4.8/5 (33 Total Rating)

March 14, 2022

kuljeet singh


very good company with good plans. They always reply to my and my wife queries related to our old diseases and new doctor consultations. they OPD plan is very helpful.

February 17, 2022

Dhiraj Khanna


This is a reliable company as they fulfill their promise to help during any medical emergency. I am satisfied with their services.

October 12, 2021

Avantika Nagpal


Very amazing and helpful service offered by SBI Health. I am impressed by the way this company works.

October 8, 2021

Rekha Tyagi


Well done SBI Health. You are doing a great job. Also, I wanna thank for your continuous support. Best of luck to both companies.

September 2, 2021

Kuwali Rai


truly grateful for all the help received at PolicyX. the agents are smart, dont waste time and have good knowlege

Last updated on February, 2022

Request A Callback