Arogya Plus Policy
  • Understand What is Arogya Plus?
  • Know the Eligibility Criteria
  • Sample Illustration of the Premiums

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SBI Arogya Plus Policy

SBI Arogya Plus Plan is designed to offer unmatched financial protection to you and your family during a medical emergency. The plan very well ensures that the policyholder concentrates on his/her treatment without worrying about the treatment expenses. The plan copes up with the rising healthcare costs and offers financial protection to your savings in case of a medical emergency.

Arogya Plus Policy by SBI General Insurance is available on an individual and family floater sum insured basis and offers an array of benefits to the policyholder.

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 29-04-2021

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.

Sample Illustration of SBI Arogya Plus Policy Premium

For your easy reference, two tables have been represented mentioning the premiums that need to be paid according to the age and respective sum insured chosen for Arogya Plus Policy.

Calculated OPD Charges As Per Premium

The policy schedules mention all about OPD charges that can be covered under the plan. The below tables gives the illustration of OPD charge coverage under the particular premium.

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 29-04-2021

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

SBI Arogya Plus Family Floater Plan OPD Charges Coverage For Premium of Rs. 8,900 for 2 Adults + 2 Children

Age ( in Years) Sum Insured Options (in Rs.)
1 Lakhs2 Lakhs3 Lakhs
19 - 354,0001,500500
36 - 403,500500500
41 - 453,000500500
61 -65500500500

**Last Updated on 29-04-2021

Graph illustrating OPD Charges Coverage For Premium Rs. 8,900 for a Family Floater Plan under SBI Arogya Plus

Graph illustrating OPD Charges covered under SBI Arogya Plus Family Floater

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 29-04-2021

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.

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Find Out What Customers Are Saying

(Showing latest 5 reviews only)

- 4.8/5 (18 Total Rating)

April 29, 2021

Meenal Varun Joshi


If you are looking for an ideal health insurance company, SBI is the name. One of the best health insurance company I have come across. Go for this company without any second thoughts. One of my best decisions.

April 29, 2021

Rakesh Koul


I am in love with this company. From the plan they offer to their services, everything is A class. If you are looking for a company that really care about its customers, SBI is the name.

April 13, 2018



I took my SBI Arogya Premier Policy in SBI General Insurance for last 4 years. As of now I don't have any claim experience. The premium was decent and good compared to others

May 11, 2021

manmohan tiwari


I brought health insurance plan from SBI in 2019 and i am very happy with my plan and customer service of SBI insurance company. Keep it up SBI !

April 29, 2021

Vihaan Gupta


Me and my family have been lucky to have bought an SBI Health Insurance plan during the covid situation. The policy has proved to be a saviour for all of us, Thankyou SBI health Insurance for helping us in the time of our medical need.

Last updated on 29-04-2021

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