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

Network hospitals

6000+

premium

Incurred claim ratio

73.92%

premium

Sum insured

Up to 2 CR

premium

No. of Plans

11

premium

Solvency Ratio

1.8

premium

Pan India Presence

141

Customized Health Insurance Plan for you.

Get upto 15% Online Discount*

Select Members You Want To Insure

Age of Eldest Member

premium

Network hospitals

6000+

premium

Incurred claim ratio

73.92%

premium

Sum insured

Up to 2 CR

premium

No. of Plans

11

premium

Solvency Ratio

1.8

premium

Pan India Presence

141

SBI Arogya Plus Policy

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.

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SBI Arogya Plus Health Insurance Review

SBI Arogya Plus Health Insurance Review

SBI Arogya Plus Policy Plan Specifications

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.

Choose Your SBI Arogya Plus Policy 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

What is Room Rent?

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:

  • Private Single AC Room
  • Twin Sharing
  • General Ward

Coverage status under SBI Arogya Plus Policy?

Under SBI Arogya Plus Policy, the room rent is covered.

What are ICU Charges?

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

What is Pre Hospitalization?

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.

What is Post Hospitalization?

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.

What is Domiciliary Hospitalization?

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.

What is Daycare Treatment?

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.

What are OPD charges?

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

What is COVID-19 Treatment?

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.

What is Cataract Treatment?

A common eye condition in which your vision gets blurred.

Coverage status under SBI Arogya Plus Policy?

Not Covered under the plan

What is a No-Claim Bonus?

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.

What is Automatic Restoration?

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.

What is Daily Hospital Cash?

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.

What is an Organ Donor Cover?

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.

What is a Maternity Cover?

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.

What is a New Born Baby Cover?

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:

  • Congenital anomaly (conditions since birth)
  • Acute condition
  • Chronic condition
  • Premature delivery
  • Birth asphyxia
  • Day care treatment

Coverage status under SBI Arogya Plus Policy?

Not covered

What is AYUSH Treatment?

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.

What is IVF Treatment?

In Vitro Fertilization (IVF) is a method of assisted reproductive technology. The common expenses incurred under IVF and infertility treatments are for:

  • Full infertility
  • No fertility
  • Infertility diagnosis
  • Infertility diagnosis and limited fertility treatment
  • Medication (which may or may not include fertility drug prescriptions)

Coverage status under SBI Arogya Plus Policy?

Not available

What is a Modern Treatment?

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.

What is an Ambulance Cover?

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.

What is an Air Ambulance?

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.

What is Compassionate Travel?

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

What is Global Coverage?

Any kind of medical/health emergency when you are outside of India.

Coverage status under SBI Arogya Plus Policy?

Not available

What is E-Consultation?

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.

What is a Health Checkup?

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.

What is a Second Medical Opinion?

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.

What is Vaccination cover?

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.

What is Co-payment?

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.

What is the Sub limit?

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.

Other Health Insurance Companies

SBI Arogya Plus: Sample Premium

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.

Individual (30 years)

Sum Insured (in Rs.)1 Lakh2 Lakh3 Lakh
Premium (in Rs.)7000 5500 4000

Family Floater (2 Adults)

Sum Insured (in Rs.)1 Lakh2 Lakh3 Lakh
Premium (in Rs.)6000 4500 2000

Key Benefits Of SBI Arogya Plus Policy

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

In-Patient Hospitalization

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.

Coverage for HIV/AIDS

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.

No Health Checkup Required

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.

Mental Illness Cover

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)

Free Look Period

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.

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.

Tax Benefit

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

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.

Explore other Sbi Health Plans

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

  • Optional Covers
  • Multiple Discounts
  • Tax Benefits

SBI Health Edge (Pros)

  • High SI up to 25 L
  • Unlimited Refill
  • Wellness Cover
  • Long-term Policy
  • AYUSH Cover

SBI Health Edge (Cons)

  • Cosmetic Treatment
  • Injury Due To Illegal Activity
  • Injury Due To Hazardous Activities
  • Adventure Sport Injuries
  • Unlawful Activities

SBI Health Edge (Other Benefits)

  • Family Floater Cover
  • Annual Health Check-up
  • Domestic Help Cover
  • Global Treatment
  • New Born Baby Cover

SBI Health Edge (Eligibility Criteria)

  • Entry Age - 91 Days
  • Max Entry Age - 65 Years
  • SI - 3 L to 25 L
  • Waiting Period - 30 Days

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

  • Bariatric Surgery cover
  • 573 Day Care procedures covered
  • Domestic Air Ambulance cover

SBI Arogya Supreme (Pros)

  • E - Consultations
  • Sum Insured Refill
  • Air Ambulance
  • Long-term Policy
  • AYUSH Cover

SBI Arogya Supreme (Cons)

  • Cosmetic Treatment
  • Injury Due To Illegal Activity
  • Injury Due To Hazardous Activities
  • Adventure Sport Injuries
  • Unlawful Activities

SBI Arogya Supreme (Other Benefits)

  • Multiple Discounts
  • Annual Health Check-up
  • Mental Health Care
  • Cataract Treatment
  • E-Opinion

SBI Arogya Supreme (Eligibility Criteria)

  • Entry Age - 91 Days
  • Max Entry Age - 65 Years
  • SI - 5 L to 50 L
  • Waiting Period - 30 Days

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

  • 12 advanced treatment procedures
  • SI Auto Restoration
  • No pre medical up to 55 years

Arogya Premier Plan (Pros)

  • Road Ambulance
  • High SI
  • AYUSH Cover
  • Room Rent
  • Pre & Post Hospitalization

Arogya Premier Plan (Cons)

  • Cosmetic Treatment
  • Injury Due To Illegal Activity
  • Injury Due To Hazardous Activities
  • Adventure Sport Injuries
  • Unlawful Activities

Arogya Premier Plan (Other Benefits)

  • Family Floater
  • Tax Benefits
  • Affordable Premiums
  • Medicine Cover
  • Cataract Cover

Arogya Premier Plan (Eligibility Criteria)

  • Entry Age - 3 Months
  • Max Entry Age - 65 Years
  • SI - 50k to 10L
  • Waiting Period - 30 Days

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

  • Advanced Procedures covered
  • Lifelong renewals
  • Cumulative Bonus of 5%

SBI Arogya Sanjeevani (Pros)

  • Road Ambulance
  • High SI
  • AYUSH Cover
  • Room Rent
  • Pre & Post Hospitalization

SBI Arogya Sanjeevani (Cons)

  • Cosmetic Treatment
  • Injury Due To Illegal Activity
  • Injury Due To Hazardous Activities
  • Adventure Sport Injuries
  • Unlawful Activities

SBI Arogya Sanjeevani (Other Benefits)

  • Family Floater
  • Tax Benefits
  • Affordable Premiums
  • Medicine Cover
  • Cataract Cover

SBI Arogya Sanjeevani (Eligibility Criteria)

  • Entry Age - 3 Months
  • Max Entry Age - 65 Years
  • SI - 50k to 10L
  • Waiting Period - 30 Days

Affordable Plan

SBI Retail Health Insurance Policy

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

  • Consultancy Cover
  • Tax Benefits
  • SI Upto 5 L

Retail Health Policy (Pros)

  • Add-on Covers Available
  • ICU Benefit
  • Ambulance Cover
  • Free Medical Check-up
  • Parental Care

Retail Health Policy (Cons)

  • Cosmetic Treatment
  • Injury Due To Illegal Activity
  • Injury Due To Hazardous Activities
  • Adventure Sport Injuries
  • Unlawful Activities

Retail Health Policy (Other Benefits)

  • High SI
  • Child Care
  • Cataract Care
  • AYUSH Care
  • Mental Illness

Retail Health Policy (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 50k to 5 L
  • Waiting Period - 30 Days

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

  • Tax Benefits
  • Reinsure Benefit
  • Health Multiplier

Super Health Insurance (Pros)

  • Enhanced Cumulative Bonus
  • Daycare Procedures
  • Maternity Cover
  • Annual Health Check-up
  • Optional Covers

Super Health Insurance (Cons)

  • Cosmetic Treatment
  • Injury Due To Illegal Activity
  • Injury Due To Hazardous Activities
  • Adventure Sport Injuries
  • Unlawful Activities

Super Health Insurance (Other Benefits)

  • OPD Expenses
  • International Treatment
  • SI up to 2 Crores
  • Flexible-Premium Payment
  • Domestic Staff Cover

Super Health Insurance (Eligibility Criteria)

  • Entry Age - 91 Days
  • Max Entry Age - No Limit
  • SI - 3 L to 2 Crore
  • Waiting Period - 30 Days

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

  • In-Patient Hospitalization
  • Tax Benefits
  • SI Upto 5 L

Divyanga Suraksha (Pros)

  • AYUSH Cover
  • Room Rent Cover
  • ICU Cover
  • Ambulance Cover
  • Cataract Cover

Divyanga Suraksha (Cons)

  • Cosmetic Treatment
  • Injury Due To Illegal Activity
  • Injury Due To Hazardous Activities
  • Adventure Sport Injuries
  • Unlawful Activities

Divyanga Suraksha (Other Benefits)

  • Modern Treatment
  • Pre-hospitalization
  • Post-hospitalization
  • HIV/AIDS Cover
  • Disability Cover

Divyanga Suraksha (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 4 L to 7 5 L
  • Waiting Period - 30 Days

Corona Kavach

SBI Corona Kavach Policy

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

  • Tax Benefits
  • No Medical check-up
  • New Born Cover

Corona Kavach Policy (Pros)

  • Room Rent Cover
  • ICU Cover
  • Doctor Fee Cover
  • Ambulance Cover
  • Nursing Expense Cover

Corona Kavach Policy (Cons)

  • Cosmetic Treatment
  • Injury Due To Illegal Activity
  • Injury Due To Hazardous Activities
  • Adventure Sport Injuries
  • Unlawful Activities

Corona Kavach Policy (Other Benefits)

  • Medicine Charges
  • Pre & Post Hospitalization Cover
  • Hospital Daily Cash
  • Affordable Premiums
  • SI Up to 5 L

Corona Kavach Policy (Eligibility Criteria)

  • Entry Age - 1 Day
  • Max Entry Age - 65 Years
  • SI - 50k to 5 L
  • Waiting Period - 30 Days

Corona Rakshak

SBI Corona Rakshak Policy

The plan offers a lump sum benefit equal to 100% of the sum insured on the diagnosis of COVID-19.

Unique Benefits

  • Tax Benefits
  • Lump Sum Benefit
  • Minimum Waiting Period

Corona Rakshak Policy (Pros)

  • Room Rent Cover
  • Single Premium Payment
  • Affordable Premiums
  • Upto 2.5 L SI
  • 15-Day Waiting Period

Corona Rakshak Policy (Cons)

  • Cosmetic Treatment
  • Injury Due To Illegal Activity
  • Injury Due To Hazardous Activities
  • Adventure Sport Injuries
  • Unlawful Activities

Corona Rakshak Policy (Other Benefits)

  • Up to 65 Years Entry Age
  • 3-month policy period
  • 6-month policy period
  • 9-month policy period
  • Standard COVID-19 plan

Corona Rakshak Policy (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 50k - 2.5 L
  • Waiting Period - 30 Days

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

  • Tax Benefits
  • No Pre-policy check-up
  • Affordable Premiums

Individual Personal Accident (Pros)

  • Loss of Life Cover
  • Disabilities Cover
  • Loss of Income Cover
  • Permanent Total Disability
  • Education Benefit

Individual Personal Accident (Cons)

  • Cosmetic Treatment
  • Injury Due To Illegal Activity
  • Injury Due To Hazardous Activities
  • Adventure Sport Injuries
  • Unlawful Activities

Individual Personal Accident (Other Benefits)

  • Add-on Covers
  • Temporary Total Disability
  • Permanent Total Disability
  • Permanent Partial Disability
  • Accidental Death

Individual Personal Accident (Eligibility Criteria)

  • Entry Age - 3 Months
  • Max Entry Age - 65 Years
  • SI - 1 L to 1 Crore
  • Waiting Period - 30 Days

Top-up policy

The policy comes into action post exhaustion of your current health plan and provides affordable premiums with various benefits.

Unique Benefits

  • Maternity Expenses covered
  • Ambulance coverage up to 5K
  • Coverage up to 50 Lakhs

Arogya Top Up Policy (Pros)

  • Up to 7.5% discount
  • OPD Cover
  • Tax Benefits
  • Pre & Post Hospitalization
  • 141 Daycare Treatments

Arogya Top Up Policy (Cons)

  • Cosmetic Treatment
  • Injury Due To Illegal Activity
  • Injury Due To Hazardous Activities
  • Adventure Sport Injuries
  • Unlawful Activities

Arogya Top Up Policy (Other Benefits)

  • High SI
  • Room Rent Covered
  • Physiotherapy Covered
  • Affordable Premiums
  • Domiciliary Hospitalization

Arogya Top Up Policy (Eligibility Criteria)

  • Entry Age - 91 Days
  • Max Entry Age - 65 Years
  • SI - 1 L to 50L
  • Waiting Period - 30 Days

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

  • Entry Age upto 65 years
  • Free-look period of 15 days
  • Coverage of up to 10 Lakh

Critical Illness Plan (Pros)

  • Covers 13 CI
  • Cancer Care
  • Kidney Failure
  • Organ Transplant
  • Stroke

Critical Illness Plan (Cons)

  • Cosmetic Treatment
  • Injury Due To Illegal Activity
  • Injury Due To Hazardous Activities
  • Adventure Sport Injuries
  • Unlawful Activities

Critical Illness Plan (Other Benefits)

  • High SI
  • Paralysis
  • Coma
  • 2 Plan variants
  • Blindness Cover

Critical Illness Plan (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 3 L to 10 L
  • Waiting Period - 30 Days

Hospital Daily Cash

SBI Hospital Daily Cash Insurance Policy

The policy provides a fixed amount to the claimant for each day of hospitalization and expenses like traveling, food, and much more.

Unique Features

  • 4 daily benefit amount options
  • Hospital confinement expenses
  • Convalescence expenses

Hospital Daily Cash Policy (Pros)

  • Daily Cash Benefit
  • Tax Benefits
  • Optional Covers
  • ICU Benefit
  • Accident Injury

Hospital Daily Cash Policy (Cons)

  • Cosmetic Treatment
  • Injury Due To Illegal Activity
  • Injury Due To Hazardous Activities
  • Adventure Sport Injuries
  • Unlawful Activities

Hospital Daily Cash Policy (Other Benefits)

  • Compassionate Benefit
  • Daycare Treatment
  • Maternity Cover
  • Sickness Cash Benefit
  • Affordable Premiums

Hospital Daily Cash Policy (Eligibility Criteria)

  • Entry Age - 3 Months
  • Max Entry Age - 65 Years
  • SI - 500 to 2,000
  • Waiting Period - 30 Days

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

  • Tax Benefits
  • Personal Accident Cover
  • SI up to 1 Crore

Loan Insurance Policy (Pros)

  • Loss of Job Cover
  • Long Term Policy
  • Affordable Premiums
  • Death Cover
  • Permanent Disablement

Loan Insurance Policy (Cons)

  • Cosmetic Treatment
  • Injury Due To Illegal Activity
  • Injury Due To Hazardous Activities
  • Adventure Sport Injuries
  • Unlawful Activities

Loan Insurance Policy (Other Benefits)

  • Cancer Cover
  • Organ Transplant Cover
  • Paralysis Cover
  • Organ Transplant
  • Blindness Cover

Loan Insurance Policy (Eligibility Criteria)

  • Entry Age - N/A
  • Max Entry Age - N/A
  • SI - Up to 1 Crore
  • Waiting Period - 30 Days

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

  • Tax Benefits
  • Wide Coverage
  • Room Rent Covered

Group Health Policy (Pros)

  • Medical Practitioners Available
  • Specialist Fees Cover
  • Daycare Expenses
  • Domiciliary Hospitalization
  • Pre & Post Hospitalization

Group Health Policy (Cons)

  • Cosmetic Treatment
  • Injury Due To Illegal Activity
  • Injury Due To Hazardous Activities
  • Adventure Sport Injuries
  • Unlawful Activities

Group Health Policy (Other Benefits)

  • Individual Cover
  • Family Cover
  • High SI
  • Policy Renewal opted
  • Ambulance Cover

Group Health Policy (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 1 - 5 L
  • Waiting Period - 30 Days

Saral Suraksha

SBI Saral Suraksha Bima

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

  • Tax Benefits
  • Education Grant
  • Affordable Premiums

Saral Suraksha Bima (Pros)

  • Loss of Life
  • Affordable Premiums
  • Temporary Total Disablement
  • Hospitalization Expenses
  • Up to 5% Cumulative Bonus

Saral Suraksha Bima (Cons)

  • Cosmetic Treatment
  • Injury Due To Illegal Activity
  • Injury Due To Hazardous Activities
  • Adventure Sport Injuries
  • Unlawful Activities

Saral Suraksha Bima (Other Benefits)

  • Up to 1 Crore SI
  • Accidental Death Cover
  • Individual and Family Floater
  • 1-Year Policy Term
  • Multiple Discounts

Saral Suraksha Bima (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 70 Years
  • SI -2.5 L - 1 Crore
  • Waiting Period - 30 Days

Saral Suraksha

SBI Travel Insurance (B & H)

The plan is designed uniquely for providing travel support, loss of passport, round-the-clock assistance, and many more benefits.

Unique Benefits

  • Tax Benefits
  • Wide Coverage
  • Affordable Premiums

Travel Insurance (B & H) (Pros)

  • Quick Payout Process
  • Global Coverage
  • 24/7 Emergency Assistance
  • Multi Trip Insurance
  • Single Trip Insurance

Travel Insurance (B & H) (Cons)

  • Cosmetic Treatment
  • Injury Due To Illegal Activity
  • Injury Due To Hazardous Activities
  • Adventure Sport Injuries
  • Unlawful Activities

Travel Insurance (B & H) (Other Benefits)

  • Loss of Passport
  • Trip delays
  • Home Burglary
  • Covers Personal Liability
  • Travel Support

Travel Insurance (B & H) (Eligibility Criteria)

  • Entry Age - 6 Months
  • Max Entry Age - 70 Years
  • SI - $ 5,00,000
  • Waiting Period - 30 Days

Saral Suraksha

SBI Arogya Shield

A combination plan wherein you can secure both health and life, providing comprehensive coverage for medical emergencies and an assured life cover

Unique Benefits

  • Tax Benefits
  • Dual Protection
  • Affordable Premiums

SBI Arogya Shield (Pros)

  • Cashless Claims
  • 141 Daycare Procedures
  • High SI
  • Health Cover
  • Life Cover

SBI Arogya Shield (Cons)

  • Cosmetic Treatment
  • Injury Due To Illegal Activity
  • Injury Due To Hazardous Activities
  • Adventure Sport Injuries
  • Unlawful Activities

SBI Arogya Shield (Other Benefits)

  • Pre Hospitalization
  • Post Hospitalization
  • Domiciliary Hospitalization
  • Outpatient Treatment
  • Alternative Treatment

SBI Arogya Shield (Eligibility Criteria)

  • Entry Age - 91 Days
  • Max Entry Age - 65 Years
  • SI - 1 - 3 L
  • Waiting Period - 30 Days

Group Personal Accident

SBI Group Personal Accident Policy

A versatile Group accident plan covering accidental death, ambulance cover, child education cover, adaptation allowance, and more.

Unique Features

  • Loss of Life Cover
  • Permanent Total Disability
  • Child Education Cover

Group Personal Accident Policy (Pros)

  • Accidental Death
  • Permanent Total Disability Cover
  • Ambulance Cover
  • Funeral Expenses Cover
  • Repatriation Cover

Group Personal Accident Policy (Cons)

  • Cosmetic Treatment
  • Injury Due To Illegal Activity
  • Injury Due To Hazardous Activities
  • Adventure Sport Injuries
  • Unlawful Activities

Group Personal Accident Policy (Other Benefits)

  • Temporary Total Disability Cover
  • Temporary Partial Disability Cover
  • High SI
  • Tax Benefits
  • Affordable Premiums

Group Personal Accident Policy (Eligibility Criteria)

  • Entry Age - N/A
  • Max Entry Age - N/A
  • SI - 2 L - 20 L
  • Waiting Period - 30 Days

Group Loan Policy

SBI Group Loan Insurance 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

  • Long Term Policy
  • Personal Accident Cover
  • Critical Illness Benefit

Group Loan Policy (Pros)

  • Permanent Total Disability
  • Loss of Limbs Cover
  • Loss of Sight Cover
  • Speech Loss Cover
  • Hearing Loss Cover

Group Loan Policy (Cons)

  • Cosmetic Treatment
  • Injury Due To Illegal Activity
  • Injury Due To Hazardous Activities
  • Adventure Sport Injuries
  • Unlawful Activities

Group Loan Policy (Other Benefits)

  • Cancer Cover
  • Coma Expenses Cover
  • Kidney Failure Cover
  • Blindness Cover
  • Accidental Hospitalization Cover

Group Loan Policy (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 1 L - 10 L
  • Waiting Period - 30 Days

SBI Health Insurance Network Hospital List

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.

SBI Arogya Plus: FAQs

1. Which relationships are eligible for SBI Arogya Plus Health Insurance Cover?

SBI Arogya Plus Health Insurance covers self, spouse, and dependants like 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.

9. What are the benefits provided with SBI Arogya Plus Health Insurance?

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.

10. What are the tenure options available?

Tenure options available are 1 year, 2 years, and 3 years.

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Naval Goel

Reviewed By: Naval Goel

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.