SBI Arogya Sanjeevani Policy - Eligibility, Benefits and Buy Online
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SBI Arogya Sanjeevani Policy

This comprehensive health insurance policy covers basic to advanced he ...Read More

Up to 2 Cr
Sum insured
1
No. of plans
141+
Pan India presence
-%
Claim settlement ratio
🛡️ IRDAI Approved
⭐ 4.4/5 · 2,706 reviews
🏥 6,000+ hospitals
📊 2.03 solvency ratio
✅ -% claim settlement

About SBI Arogya Sanjeevani Policy

A quick read on what this SBI Health Insurance plan covers and why it might be a fit for you.

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 includes benefits such as in-patient hospitalization, pre and post-hospitalization expenses, ICU expenses, daycare treatment, and coverage for up to 12 advanced treatments like Deep Brain Stimulation, Balloon Sinuplasty, Oral Chemotherapy, and Intra Vitreal Injections.

Continue reading to learn more about the plan.

Plan at a glance

Eligibility, sum insured options and policy mechanics — pulled straight from the policy wording.

Entry age
18 years to 65 Years
Plan type
Individual and Family Health Insurance
Sum insured options
₹50 L, ₹1 L, ₹2 L, ₹5 L, ₹7 L, ₹10 L
Waiting period
30 days
Renewability
Lifelong
Policy term
1 year

*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.

Pros & cons

A quick honest summary — the strengths and the trade-offs.

Pros

  • In-patient hospitalization
  • Pre and post-hospitalization care
  • ICU expenses
  • Daycare treatment
  • Up to 12 advanced treatments

Cons

  • Modern treatment unavailable
  • OPD not covered
  • Domiciliary hospitalization unavailable

What's covered

Every CMS-driven coverage flag from the plan wording — only items with a published value render below.

Hospitalization

  • Room rent Covered
  • ICU charges Covered
  • Pre-hospitalization Covered
  • Post-hospitalization Covered
  • Domiciliary hospitalization Not covered
  • Day-care treatment Covered
  • OPD charges Not covered
  • Covid-19 treatment Covered
  • Cataract Covered

Bonuses & restoration

  • No-claim bonus Covered
  • Automatic restoration of SI Not covered
  • Daily hospital cash Not covered

Family & special care

  • Maternity cover Not covered
  • New-born baby cover Not covered
  • IVF treatment Not covered
  • AYUSH treatment Covered
  • Organ donor expenses Not covered

Modern & preventive care

  • Modern treatment Covered
  • Road ambulance Covered
  • Air ambulance Not covered
  • E-consultation Not covered
  • Health check-up Not covered
  • Second medical opinion Not covered
  • Vaccination Not covered

Conditions & global

  • Co-payment Covered
  • Sub-limits Not covered
  • Compassionate travel Not covered
  • Global coverage Not covered

Video reviews

Walkthroughs from the PolicyX team — pros, cons, real claim experiences and who should buy.

SBI Arogya Sanjeevani Policy | SBI Best Health Plan 2025 | SBI Insurance plans

SBI Arogya Sanjeevani Policy | SBI Best Health Plan 2025 | SBI Insurance plans

we explain everything you need to know about the SBI Arogya Sanjeevani Policy, a health insurance plan that offers comprehensive coverage at an affordable premium.

Benefits of SBI Arogya Sanjeevani Policy

SBI Arogya Health Insurance comes with unique features that make it one of the best health plans. Explore some of the key features of the SBI Arogya Sanjeevani Policy below.

  • Lifetime Renewability

    The plan offers Lifetime Renewability, allowing policyholders to renew their policy at any age without restrictions.

  • Cumulative Bonus

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

  • Advanced Treatments

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

    • Uterine Artery Embolization and HIFU
    • Balloon Sinuplasty
    • Deep Brain Stimulation
    • Oral Chemotherapy
    • Immunotherapy - Monoclonal Antibody (as an injection)
    • IntraVitreal Injections
    • Robotic Surgeries
    • Stereotactic Radio Surgeries
    • Bronchial Thermoplasty
    • 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)

  • Other Treatments

    Dental treatment or plastic surgeries necessitated due to disease or injury are also covered under the plan.

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.

Delhi Mumbai Bengaluru Chennai Kolkata Hyderabad Pune Ahmedabad Jaipur Lucknow

Know More About Network Hospitals →

Sample premium

Indicative premium examples — your actual quote depends on age, declared medical history, sum insured and add-ons.

Sample Illustration Of SBI Arogya Sanjeevani Plan

To understand the premium you might need to pay, we have illustrated some premiums with different sum insured options. Let's consider an individual who is 30 years old and see the premium for both individual and family floater policies.

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

Inclusions & exclusions

What the plan pays for, and what it doesn't.

Exclusions

  • 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

Who can buy this plan

Eligibility criteria pulled straight from the policy wording.

  • Entry Age: 18 to 65 Years
  • SI: 50K to 1 Lakhs
  • Initial waiting period: 30 days

Other features & benefits

  • Deep Brain Stimulation
  • Balloon Sinuplasty
  • Oral Chemotherapy
  • Intra Vitreal Injections

SBI Arogya Sanjeevani Policy: FAQs

The 8 most-asked questions about SBI Arogya Sanjeevani Policy, answered.

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.
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.
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.
Yes, you can increase or decrease the sum insured as per your changing needs only at the time of renewal.
Yes, as per the guidelines of IRDAI, every health insurance plan along with SBI Arogya Sanjeevani has to offer coverage against COVID-19.
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%
No, you do not need to undergo any health check-ups up to 55 years of age if there is no pre-existing disease.
The plan comes with a clause of 5% co-pay, which is applicable on all admissible claims.

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Written and reviewed by

PolicyX content is researched in-house and reviewed by an IRDAI-certified insurance specialist before publication.

Written by Simran saxena — Health and Term Insurance Reviewed by Raj Kumar — Health Insurance
Last updated: 7 Aug 2023 · Originally published: 15 Nov 2024

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