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 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 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


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


ICU Charges



Covered, up to 60 days


Covered, up to 90 days

Domiciliary Hospitalization


Daycare Treatment

141 Daycare procedures covered

OPD Charges


Coverage Terms

COVID-19 Treatment

Not 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


IVF Treatment

Not Covered

Modern Treatment

12 Modern Treatment covered

Emergency Coverage


Covered up to Rs. 1,500

Air Ambulance

Not covered

Compassionate Travel

Not Covered

Global Coverage

Not Covered

Wellness Programmes


Not Covered

Health Check-Up

Not Covered

Second Medical Opinion

Not Covered


Not Covered



Not Applicable


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?

Not Covered under the plan

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.

SBI Arogya Plus: Sample Premium

Understand the premium calculation of SBI Arogya Plus with the help of the sample premium shown below. We at 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 Lakh 2 Lakh 3 Lakh
Premium (in Rs.) 7000 5500 4000

Family Floater (2 Adults)

Sum Insured (in Rs.) 1 Lakh 2 Lakh 3 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 SBI Arogya Plus Policy

At, you will get the best services from the inception of the policy till the settlement of the claim, if any. Read the below section to explore the buying process of the SBI Arogya Plus plan to its claim settlement process.

Know more about SBI Arogya Plus Policy, claim process, buying process and contact details of the company by clicking on the sections below:

Claim Process

Click to know SBI Health Claim Process..

Buying Process

Click to know SBI Health Buying Process.

Feel free to contact SBI Health Insurance for more details.

Renewal Process

Click to know SBI Health Insurance Renewal Process.

Explore other Sbi Health Plans

Comprehensive Plan

SBI Arogya Supreme

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

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
  • Auto reinstatement of Sum Insured
  • No pre medical up to 55 years

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%

Affordable Plan

SBI Retail Health Insurance Policy

A affordable health insurance plan that provides coverage of up to 5 Lakhs. The plan offers several add-on riders for enhanced coverage.

Unique Features

  • No pre-medical up to 45 years
  • Flexible plan options
  • Child care available

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

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

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

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

  • No Medical Tests required
  • Sum Insured of Rs.1 Crore
  • Available for a maximum of 3 years

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.

Health Insurance Articles

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.

Read Reviews & Ratings

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June 7, 2022

Best buy and reliable. I recently got a life insurance for myself from SBI. Also, my purchasing experience was made easy and swift, apart from the best deal given by PolicyX.

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June 7, 2022

I got the sbi general term insurance plan last year as I am concerned about my family. Such great plans. Great work.

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kuljeet singh


March 14, 2022

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.

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Dhiraj Khanna


February 17, 2022

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

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Avantika Nagpal


October 12, 2021

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

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Rekha Tyagi


October 8, 2021

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

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Kuwali Rai


September 2, 2021

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

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Vishwanber Sharma


September 1, 2021

Satisfied with the purchased plan. Will recommend others to invest too. Policy X team has guided, so thanks for that too

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