Network hospitals
6000+
Incurred claim ratio
73.92%
Sum insured
Up to 2 CR
No. of Plans
11
Solvency Ratio
1.8
Pan India Presence
141
Network hospitals
6000+
Incurred claim ratio
73.92%
Sum insured
Up to 2 CR
No. of Plans
11
Solvency Ratio
1.8
Pan India Presence
141
SBI Arogya Plus policy is a fixed premium plan that offers financial protection to you and your family during a medical emergency. The plan provides coverage against the medical expenses incurred during hospitalization & OPD. 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. The policy is designed to cover you and your family from healthcare expenses such as in-patient hospitalization expenses, pre & post hospitalization expenses, AYUSH treatment expenses, domiciliary hospitalization expenses, etc. In the section below explore more about the plan and its several features.
SBI Arogya Plus Health Insurance Review
Entry Age
3 Months to 65 Years
Sum Insured
1 | 2 | 3 Lakhs
Plan Type
Individual/Family Floater
Policy Term
1 / 2 / 3 year
Initial Waiting Period
30 Days
Renewal
Lifetime Renewability
*Initial Waiting Period is the time period between the issuance of the policy and the time it starts actively. During this period, a policyholder has to wait to avail of the benefits offered under a health insurance plan.
With wide coverage options, National Arogya Sanjeevani Policy lets you customize your health insurance plan as per your needs and requirements:
In-patient & Out-patient coverage
Room Rent
Covered
ICU Charges
Covered
Pre-Hospitalization
Covered, up to 60 days
Post-Hospitalization
Covered, up to 90 days
Domiciliary Hospitalization
Covered
Daycare Treatment
141 Daycare procedures covered
OPD Charges
Covered
Coverage Terms
COVID-19 Treatment
Covered
Cataract
Covered
No Claim Bonus
Not Available
Automatic Restoration
Not Available
Daily Hospital Cash
Not available
Organ Donor
Not Covered
Maternity Cover
Covered, up to the OPD Limit
New Born Baby Cover
Not covered
Alternative Treatments
AYUSH Treatment
Covered
IVF Treatment
Not Covered
Modern Treatment
12 Modern Treatment covered
Emergency Coverage
Ambulance
Covered up to Rs. 1,500
Air Ambulance
Not covered
Compassionate Travel
Not Covered
Global Coverage
Not Covered
Wellness Programmes
E-Consultation
Not Covered
Health Check-Up
Not Covered
Second Medical Opinion
Not Covered
Vaccination
Not Covered
Limitations
Co-payment
Not Applicable
Sub-limits
Applicable for Mental Illness coverage
The room rent limit is the maximum amount of bed charge that you can claim if you are hospitalized.
Common room categories covered under room rent are:
Coverage status under SBI Arogya Plus Policy?
Under SBI Arogya Plus Policy, the room rent is covered.
The Intensive Care Unit (ICU) is a hospital special department where patients with severe medical conditions are treated.
Coverage status under SBI Arogya Plus Policy?
Under this plan, ICU charges are covered
Medical expenses incurred before the hospitalization of the policyholder.
Coverage status under SBI Arogya Plus Policy?
This plan covers medical expenses incurred during pre-hospitalization for up to 60 days.
Medical expenses incurred after the discharge of the policyholder from the hospital.
Coverage status under SBI Arogya Plus Policy?
This plan covers medical expenses incurred during post-hospitalization for up to 90 days.
Home hospitalization arrangement for the insured person due to unavailability of medical amenities in hospitals. The treatment should last equal to or more than 72 hrs to get financial coverage.
Coverage status under SBI Arogya Plus Policy?
Under SBI Arogya Plus Plan, domiciliary hospitalizations are covered.
Treatments that can be treated in less than 24 hours of hospitalization like blood dialysis, cataract, etc.
Coverage status under SBI Arogya Plus Policy?
This plan covers the expenses of 141 daycare procedures.
Covers the cost of doctor consultation and prescribed medical tests that may not require hospitalization.
Coverage status under SBI Arogya Plus Policy?
The plan offers coverage against OPD expenses up to the specified limits
COVID-19 treatment includes the cost of treatment for COVID-19 with a confirmative diagnosis from Govt. an approved center.
Coverage status under SBI Arogya Plus Policy?
Covid-19 Covered.
A common eye condition in which your vision gets blurred.
Coverage status under SBI Arogya Plus Policy?
Not Covered under the plan
For every claim-free year, insurance companies reward policyholders with an increase in the Sum Insured amount as a no-claim bonus on policy renewal. However, in the case of a claim, this bonus amount either lapses or is reduced by a certain percentage that varies from plan to plan.
Coverage status under SBI Arogya Plus Policy?
No Claim Bonus is not applicable under the SBI Arogya Plus Plan.
Automatic restoration is a benefit in which an insurance company restores the sum insured amount completely or up to a certain percentage after it gets fully exhausted in treatments. This restoration amount may vary from plan to plan.
Coverage status under SBI Arogya Plus Policy?
Restoration of Sum Insured is not available under the plan.
It is a cash amount that you receive each day during the time of hospitalization.
Coverage status under SBI Arogya Plus Policy?
The Daily hospital cash is not available under the plan.
It is a cover that includes the cost of the procedure for removing the damaged or malfunctioning organs from the body.
Coverage status under SBI Arogya Plus Policy?
Under the plan, Organ Donor expenses are not covered.
It refers to the cover that includes expenses for normal and c-section procedures deliveries.
Coverage status under SBI Arogya Plus Policy?
Maternity expenses are covered up to the OPD limit in the policy.
It takes care of the medical expenses that arise due to the hospitalization of the newborn baby in case of unforeseen circumstances. Some of the common treatments that are covered under the newborn cover are listed below and these common treatments can vary from plan to plan:
Coverage status under SBI Arogya Plus Policy?
Not covered
Refers to the cost of medicines and procedures used under AYUSH (Ayurveda, Yoga & Naturopathy, Unani, Siddha, and Homeopathy) treatment.
Coverage status under SBI Arogya Plus Policy?
AYUSH treatment is covered under this plan.
In Vitro Fertilization (IVF) is a method of assisted reproductive technology. The common expenses incurred under IVF and infertility treatments are for:
Coverage status under SBI Arogya Plus Policy?
Not available
Medical treatments that demand modern technology such as robotic surgeries, stem cell therapy, etc.
Coverage status under SBI Arogya Plus Policy?
SBI Arogya Plus covers 12 modern treatment procedures up to 50% of the sum insured.
An ambulance is used to move the patient from home to hospital, transfer to another hospital, and take them for different tests outside the hospitals.
Coverage status under SBI Arogya Plus Policy?
This plan covers Ambulance charges up to INR 1500.
Air ambulances are specially prepared planes that transfer the patient from one place to another in case of a health emergency.
Coverage status under National Arogya Sanjeevani Plan?
Not Covered under the plan.
Refers to the traveling expenses of a family member of the insured person in case the policyholders get admitted to a hospital outside his/her residential city.
Coverage status under SBI Arogya Plus Policy?
Not available
Any kind of medical/health emergency when you are outside of India.
Coverage status under SBI Arogya Plus Policy?
Not available
If a policy offers E-consultation it allows policyholders to connect with a doctor for medical consultation through video chat, audio call, or chatbot.
Coverage status under SBI Arogya Plus Policy?
Not available.
A facility where the policyholder can avail free health check-ups after fulfilling the company's policies.
Coverage status under SBI Arogya Plus Policy?
The plan does not offer an Annual Health Check-up benefit.
If the policyholder wants, they may opt for a second medical opinion wherein the policyholder can consult another doctor within the company’s network of medical practitioners.
Coverage status under SBI Arogya Plus Policy?
Not available.
Coverage against the expenses incurred on vaccinations is provided by the insurance companies.
Coverage status under SBI Arogya Plus Policy?
The plan does not cover vaccination cover.
In the co-payment clause, policyholders have to pay a portion of the hospitalization expense on their own and the insurer will pay the rest of the amount.
Coverage status under SBI Arogya Plus Policy?
Co-payment is not applicable under the policy.
Sub limit is a condition in which the insurer will have to pay the medical expense up to a certain percentage and the remaining amount will have to be paid by the policyholder.
Coverage status under SBI Arogya Plus Policy?
Applicable for Mental Illness coverage.
Understand the premium calculation of SBI Arogya Plus with the help of the sample premium shown below. We at PolicyX.com have calculated the premium amount for the SBI Arogya Plus plan for both individuals and family floaters with different sums insured.
Sum Insured (in Rs.) | 1 Lakh | 2 Lakh | 3 Lakh |
Premium (in Rs.) | 7000 | 5500 | 4000 |
Sum Insured (in Rs.) | 1 Lakh | 2 Lakh | 3 Lakh |
Premium (in Rs.) | 6000 | 4500 | 2000 |
Below mentioned are some of the SBI Arogya Plus Policy Benefits. Take a look:
In-Patient Hospitalization
Coverage for HIV/AIDS
No Health Checkup Required
Mental Illness Cover
Free Look Period
Grace Period
Tax Benefit
The plan covers all the expenses incurred during the hospitalization such as Anesthesia, blood, oxygen, operation theater 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.
Get coverage against the medical expenses that incur during in-patient treatment for any condition caused by HIV/AIDS. The plan offers coverage against HIV/AIDS up to the sum insured.
All do not need to go through a pre-insurance health checkup. Pre-insurance health checkup is compulsory only for policy buyers more than 55 years of age.
SBI Arogya Plus Policy offers coverage against the listed mental illnesses up to Sum Insured (Sub limit - Rs. 50,000 whichever is lower, applicable for few conditions)
According to the procedure under the plan, a 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.
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.
The premiums paid under the plan are tax exempted under section 80 D of the income tax act, 1961.
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.
SBI Health Insurance offers a wide range of health insurance plans to fulfill the medical needs of individuals, families, and senior citizens.
Comprehensive plan
A comprehensive health insurance plan with 9 base covers and 18 optional covers offering a wide range of sum insured from 3 to 25 Lakhs.
Unique Features
Comprehensive plan
A comprehensive health insurance plan that offers a 15% increase in cumulative bonus for every claim-free year and comes with 8 optional coverage options.
Unique Features
Comprehensive/ Family Floater Plan
A policy designed to provide coverage to you and your family. Providing high SI of 30 lakhs, it covers maternity expenses to childbirth.
Unique Features
Standard Plan
A standard health insurance plan that comes with a coverage of 10 Lakhs. Moreover, the plan comes with a 5% Co-pay, applicable on all the admissible claims.
Unique Features
Affordable Plan
A family floater plan for metro and non-metro cities offering wide coverage of INR 5 Lakhs. No pre-policy medical check-up is required to avail of this policy.
Unique Features
Individual/Family Floater Plan
An all-inclusive insurance cover to cater to your health & fitness needs. It is an individual and family floater policy with 7 optional covers to select from.
Unique Benefits
Individual/Family Floater Plan
This plan is designed to provide healthcare coverage to individuals with disabilities and HIV/AIDS offering a sum insured of INR 4 and 5 Lakhs.
Unique Features
Corona Kavach
A standard corona-specific health cover that protects you from COVID-19. The plan covers room rent, ICU expenses, and home care expenses for up to 14 days.
Unique Benefits
Corona Rakshak
The plan offers a lump sum benefit equal to 100% of the sum insured on the diagnosis of COVID-19.
Unique Benefits
Individual
SBI Personal Accident plan provides protection against accidental death, loss of life, and disabilities, it offers a cumulative bonus along with add-ons for ambulance charges.
Unique Benefits
Top-up policy
The policy comes into action post exhaustion of your current health plan and provides affordable premiums with various benefits.
Unique Benefits
Critical Illness policy
The plan offers coverage against 13 critical illnesses & financial support irrespective of the actual medical expenses, & comes with two policy tenures enabling customization.
Unique Features
Hospital Daily Cash
The policy provides a fixed amount to the claimant for each day of hospitalization and expenses like traveling, food, and much more.
Unique Features
Loan Insurance Policy
SBI Loan Insurance policy helps you to repay your outstanding loan in case you are a victim of any of the listed 13 critical illnesses/accidental death/unemployment.
Unique Features
Group Insurance Policy
This plan is available for individuals and families, wherein the plan will take care of medical expenses with affordable premium rates.
Unique Features
Saral Suraksha
Designed for individuals between the ages of 18 to 70 years, the plan offers coverage for accidental death, permanent, total, and permanent partial disability.
Unique Benefits
Saral Suraksha
The plan is designed uniquely for providing travel support, loss of passport, round-the-clock assistance, and many more benefits.
Unique Benefits
Saral Suraksha
A combination plan wherein you can secure both health and life, providing comprehensive coverage for medical emergencies and an assured life cover
Unique Benefits
Group Personal Accident
A versatile Group accident plan covering accidental death, ambulance cover, child education cover, adaptation allowance, and more.
Unique Features
Group Loan Policy
A unique health insurance policy that can be availed for 5 years, covers 15 critical illnesses, accidental death, accidental hospitalization, and more.
Unique Features
SBI Health Insurance Network Hospitals are present in 31 states nationwide. With a wide network of hospitals, SBI Health Insurance ensures that you are medically secured, irrespective of the city you reside in.
See More Health Insurance Articles
See More Health Insurance Articles
SBI Arogya Plus Health Insurance covers self, spouse, and dependants like children, parents, and parents-in-law.
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.
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.
Yes, alternative treatments such as Ayurveda, Homeopathy, Sidha, and Unani are covered under this policy.
SBI Arogya Plus Policy has 4 years waiting period for pre-existing diseases.
Yes, there is a free look period of 15 days from the receipt of the policy
No, the SBI Arogya Plus policy does not offer a no-claim bonus benefit.
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.
There are multiple benefits provided with SBI Arogya Plus like expenses for OPD consultations, Hospital expenses, 141 daycare procedure expense cover, maternity expenses, family floater, family non-floater, and more.
Tenure options available are 1 year, 2 years, and 3 years.
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Naval Goel is the CEO & founder of PolicyX.com. Naval has an expertise in the insurance sector and has professional experience of more than a decade in the Industry and has worked in companies like AIG, New York doing valuation of insurance subsidiaries. He is also an Associate Member of the Indian Institute of Insurance, Pune. He has been authorized by IRDAI to act as a Principal Officer of PolicyX.com Insurance Web Aggregator.
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