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 Plan is a comprehensive health insurance plan that comes with affordable premiums. The plan ensures to offer coverage to you and your family at the time of medical emergency and take care of your finances.

With a wide range of benefits, the plan comes with an advantage where the policyholders do not require to undergo any health check-up up to 55 years of age if there is no pre-existing disease.

Continue reading to learn more about the plan:

Eligibility Criteria of SBI Arogya Sanjeevani Policy

Entry Age For Adults: 18 years-65 years
For Children: 3 months - 25 years
Sum Insured Rs 1 Lakhs-Rs. 5 Lakhs
Family Members Included Self, Spouse, Dependent Children, Parents, and Parents-in-law
Premium Payment Annually, Half Yearly, Quarterly, or Monthly

**Last Updated on 29-04-2021

Key Features of SBI Arogya Sanjeevani Policy

  1. AYUSH Treatment

    The plan covers the expenses incurred during the AYUSH treatment that is all the treatments under Ayurveda, Yoga, Naturopathy, Unani, Siddha, and Homeopathy systems will be covered.

  2. Cataract Treatment

    Expenses incurred on treatment of cataract subject to the sub-limits are covered under the plan, subject to a limit of 25% of Sum Insured or.40,000/-, whichever is lower, per each eye in one policy year.

  3. 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.

  4. 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

  5. Domiciliary Hospitalization

    In case the insured is suffering from illness or injury and he is not in a condition to travel to the hospital then there is a provision under which SBI Arogya Sanjeevani Plan provides coverage for the treatment taken at home.

  6. Advanced Treatments

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

    • Advanced Procedures
    • 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 haematological conditions to be covered
  7. Other Treatments

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

  8. Tax Benefits

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

Sample Illustration of SBI Arogya Sanjeevani Plan

As we know that the plan is available on both an individual as well as for families. Now, let us get a rough idea of how much premium one needs to pay under both conditions.

Sum Insured Options (in Rs.) 1 Lakhs 2 Lakhs 3 Lakhs 4Lakhs 5 Lakhs
Individua (30 years) 1,775 2,786 3,427 4,113 4,501
Family (2A+1C) 3,882 5,975 7,302 8,733 9,535

**Last Updated on 29-04-2021

Graph Illustrating the Premium Payable Under SBI Arogya Sanjeevani Plan

Premium Payable Under SBI Arogya Sanjeevani Plan

What Is Covered Under SBI Arogya Sanjeevani Plan

With a wide scope of coverage, the plan makes sure to meet all your healthcare needs. With certain terms and conditions, below is the list of coverages available under the SBI Arogya Sanjeevani Plan:

Pre-Hospitalization Expenses Covered, up to 30 days
Post-Hospitalization Expenses Covered, up to 60 days
Day Care Expense All daycare expenses covered
Sub-limits 1. Room Rent, Boarding, Nursing Expenses all-inclusive as provided by the Hospital / Nursing Home up to 2% of the sum insured subject to a maximum of Rs.5000/- per day.
2.Intensive Care Unit (ICU) charges/ Intensive Cardiac Care Unit (ICCU) charges all-inclusive as provided by the Hospital / Nursing Home up to 5% of the sum insured subject to a maximum of Rs. 10,000/-, per day.
Ambulance Expense Covered, subject to a maximum of Rs.2000/- per hospitalization.
Domiciliary Hospitalization Available
AYUSH Treatment Available
Cataract Treatment Covered
Cumulative Bonus Available, 5% cumulative bonus on every claim-free year
Waiting Period
Pre-existing Diseases 48 Months
First Thirty Days Period 30 Days, except for accidents
Treatment for joint replacement 48 months, except for accidents
Certain Specific Illnesses 24 months
Age-related Osteoarthritis & Osteoporosis 48 months

**Last Updated on 29-04-2021

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
  • Maternity expenses except for ectopic pregnancy
  • War and war-like situations

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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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