Arogya Sanjeevani Policy
  • An Affordable Health Insurance Plan
  • Explore the Eligibility Criteria
  • Inclusions and exclusions
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SBI Arogya Sanjeevani Policy

SBI Arogya Sanjeevani Policy is a standard health insurance policy that comes with an affordable premium and offers a bucket full of benefits to its policyholders. The plan comes with the benefits such as in-patient hospitalization, pre and post hospitalization expenses, ICU expenses, daycare treatment, and up to 12 advanced treatments like Deep Brain Stimulation, Balloon Sinuplasty, Oral Chemotherapy, Intra Vitreal Injections etc

Continue reading to learn more about the plan.

SBI Arogya Sanjeevani Policy Specifications

Entry Age

18 years to 65 Years

Sum Insured

Rs 50 Thousand to Rs 10 Lakhs

Plan Type

Individual/Family Floater

Policy Tenture

1 year

Initial Waiting Period

30 Days



*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 Sanjeevani Plan

In-patient & Out-patient coverage

Room Rent

Covered up to 2% of SI

ICU Charges

Covered up to 5% of SI


Covered, up to 30 days


Covered, up to 60 days

Domiciliary Hospitalization

Not Covered

Daycare Treatment

All Day-Care treatments covered

OPD Charges

Not Covered

Coverage Terms

COVID-19 Treatment




No Claim Bonus

Available, 5% cumulative bonus on every claim-free year

Automatic Restoration

Not Available

Daily Hospital Cash

Not available

Organ Donor

Not Covered

Maternity Cover

Not Covered

New Born Baby Cover

Not covered

Alternative Treatments

AYUSH Treatment


IVF Treatment

Not Covered

Modern Treatment

Not Covered

Emergency Coverage


Covered Up to 2K

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

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 Sanjeevani Policy?

Under SBI Arogya Sanjeevani Policy, the room rent is covered up to 2% of the SI, maximum limit is INR 5K per day.

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 Sanjeevani Policy?

Under this plan, ICU charges are covered up to 5% of the SI, maximum limit is INR10K per day.

What is Pre Hospitalization?

Medical expenses incurred before the hospitalization of the policyholder.

Coverage status under SBI Arogya Sanjeevani Policy?

This plan covers medical expenses up to the sum insured incurred during pre-hospitalization for up to 30 days.

What is Post Hospitalization?

Medical expenses incurred after the discharge of the policyholder from the hospital.

Coverage status under SBI Arogya Sanjeevani Policy?

This plan covers medical expenses up to the sum insured incurred during post-hospitalization for up to 60 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 Sanjeevani Policy?

Under SBI Arogya Sanjeevani Plan, domiciliary hospitalizations are not 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 Sanjeevani Policy?

This plan covers the expenses of all the 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 Sanjeevani Policy?

The plan does not offer coverage against OPD expenses.

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 Sanjeevani Policy?

Covered under the plan

What is Cataract Treatment?

A common eye condition in which your vision gets blurred.

Coverage status under SBI Arogya Sanjeevani Policy?

Covered up to the limit of 25% of the SI or 40k, whichever is lower, per eye in one policy year.

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 Sanjeevani Policy?

The plan offers cumulative bonus of 5% for every claim-free year, provided the policy is renewed without any break. Maximum limit is 50% of Sum Insured.

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 Sanjeevani Policy?

Automatic 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 Sanjeevani 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 Sanjeevani 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 Sanjeevani Policy?

Maternity expenses are not covered.

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 Sanjeevani 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 Sanjeevani Policy?

AYUSH treatment is covered under this plan up to the sum insured.

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 Sanjeevani 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 Sanjeevani Policy?

SBI Arogya Sanjeevani 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 Sanjeevani Policy?

Ambulance expens up to INR 2K is covered per hospitalization.

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?

No 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 Sanjeevani Policy?

Not available

What is Global Coverage?

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

Coverage status under SBI Arogya Sanjeevani 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 Sanjeevani 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 Sanjeevani Policy?

Health Check-up benefit is available up to INR 5 K per insured only after 4 claim-free years

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 Sanjeevani 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 Sanjeevani 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 Sanjeevani Policy?

5% Co-payment is applicable on all admissible claims 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 Sanjeevani Policy?

Not Applicable

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.

Sample Illustration Of SBI Arogya Sanjeevani Plan

To understand how much premium you need to pay, we have illustrated some premiums with different sum insured options and different deductibles. Let's take an example of an individual who is 30 years old and see how much premium he needs to pay for an individual as well as for a family floater policy.

Individual (30 years)

Sum Insured (in Rs.) 3 Lakh 5 Lakh 10 Lakh
Premium (in Rs.) 4,004 5,311 6,843

Family Floater (2 Adults)

Sum Insured (in Rs.) 3 Lakh 5 Lakh 10 Lakh
Premium (in Rs.) 6,577 8,609 11,060

Family Floater (2 Adults+2 Kids)

Sum Insured (in Rs.) 3 Lakh 5 Lakh 10 Lakh
Premium (in Rs.) 10,609 13,831 17,696

Benefits of SBI Arogya Sanjeevani Policy

SBI Arogya Health Insurance comes with certain unique features that make it one of the best health plans. Take a look at the below section to explore some of the key features of the SBI Arogya Sanjeevani Policy.

Lifetime Renewability

Cumulative Bonus

Advanced Treatments

Other Treatments

Tax Benefits

Lifetime Renewability

The plan comes with the benefit of Lifetime Renewability that allows the policyholder to renew their policy at any age without any restrictions.

Cumulative Bonus

For every claim-free year, the policy will offer an increase of 5% in the sum insured as a Cumulative Bonus, subject to a maximum of 50% of the sum insured.

Advanced Treatments

The plan covers up to 12 advanced treatments. The treatments are listed below:

  • Uterine Artery Embolization and HIFU
  • Balloon Sinuplasty
  • Deep Brain Stimulation
  • Oral Chemotherapy
  • Immunotherapy - Monoclonal Antibody to be given as an injection
  • IntraVitreal Injections Robotic Surgeries
  • Stereotactic Radio Surgeries
  • Bronchial Thermoplasty
  • The vaporisation of the Prostate (Green laser treatment or holmium laser treatment)
  • IONM (Intra Operative Neuro Monitoring)
  • Stem Cell Therapy (Hematopoietic stem cells for bone marrow transplant for hematological conditions to be covered
Other Treatments

Dental treatment or plastic surgeries necessitated due to disease or injury will be covered under the plan.

Tax Benefits

With this plan, one can also avail of tax benefits under Section 80D of the Income Tax Act.

What is Not Covered Under SBI Arogya Sanjeevani Plan?

Injury due to hazardous or adventure sports

Alcohol, drug or substance addiction/abuse

Unproven/experimental treatments

Sterility and infertility

Diagnostic investigations

Rest cure, rehabilitation & respite care

Maternity expenses except for ectopic pregnancy

War and war-like situations

Explore SBI Arogya Sanjeevani Policy

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

Claim Process

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Buying Process

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Renewal Process

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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. It and comes with a wide coverage of up to 30 Lakhs & offers coverage for maternity expenses to childbirth.

Unique Features

  • 12 advanced treatment procedures
  • Auto reinstatement of Sum Insured
  • No pre medical up to 55 years

Family Floater Plan

A fixed premium plan that offers coverage up to 3 Lakhs and offers protection against the expenses incurred during OPD and hospitalization.

Unique Features

  • Coverage for HIV/AIDS
  • Genetic Disorders covered
  • Internal Congenital Diseases covered

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 when your existing health plan is exhausted due to the claims made. It comes with a wide range of benefits that too at lower premiums.

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

Health Insurance Articles

SBI Arogya Sanjeevani Plan: FAQs

1. Who all are eligible to buy SBI Arogya Sanjeevani Policy?

Any individual between 18 to 65 years of age can buy this policy for oneself, their spouse, dependent children( 91 days -25 years), parents/parents-in-law.

2. What is the policy term of SBI Arogya Sanjeevani Policy?

Arogya Sanjeevani is a standard health insurance plan that comes with a policy term of 1 year. However the policy comes with a lifetime renewability option which means it can be renewed unlimited times.

3. What is included under the in-patient hospitalization of SBI Arogya Sanjeevani Health Insurance policy?

Following in-patient hospitalization expenses are covered under the policy: Room rent, Boarding, Nursing charges, ICU and ICCU charges, Fee of Surgeon, Doctor, Anaesthetist, Consultants, Medical Practitioner, Specialist, Expenses related to blood, oxygen, Anesthesia, Surgical Appliances, OT expenses, Pre & Post Hospitalization expenses etc.

4. I want to increase my Sum Insured under SBI Arogya Sanjeevani Policy. Can I do that?

Yes, you can increase or decrease the sum insured as per your changing needs only at the time of renewal.

5. Does SBI General Arogya Sanjeevani offer coverage against COVID-19?

Yes, as per the guidelines of IRDAI, every health insurance plan along with SBI Arogya Sanjeevani has to offer coverage against COVID-19.

6. Does SBI Arogya Sanjeevani offer any discounts to the policyholders?

Yes, the plan offers several discounts such as-

  • Online discount of 10% discount
  • Discount of 2.5% if two adults are covered, and 5% if more than 3 adults are covered
  • SBI Group Employee Discount of 5%

7. Do I need to undergo any pre-medical health check-up before buying SBI Arogya Sanjeevani Policy?

No, you do not need to undergo any health check-up up to 55 years of age if there is no pre-existing disease.

8. What is the co-payment clause under SBI General Arogya Sanjeevani?

The plan comes with a clause of 5% co-pay, which is applicable on all admissible claims.

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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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