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 ensures to offer coverage to you and your family at the time of medical emergency.

With a wide range of benefits, the SBI Arogya Sanjeevani Policy comes with several advantages and offers financial protection to the policyholder & their family in case of any serious illness or accident that results in hospitalization.

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 August, 2021

Key Features 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:

  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 August, 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 August, 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

How To Buy SBI Arogya Sanjeevani Plan

For its customer's convenience, SBI General offers a quick and hassle-free buying process for SBI Arogya Sanjeevani Policy. One has the option to buy the policy online either through the company's official website or from PolicyXcom. Let's check out both the buying processes

Through Company's official website:

  • Visit the official website of SBI General Insurance. Click on the 'Buy' option under 'Health Tab'
  • Fill the form with the details and click on 'Go'.
  • On the next page, fill in your contact number and email address.
  • Once done, you will be redirected to a page with a short questionnaire. Answer all the questions and click on 'Continue'.
  • The page will then show you the most-suited plan along with the premium amount.
  • Make an online payment for your SBI Arogya Health Insurance plan. Your policy document will be mailed to you at your registered email address.

Note: You can also purchase health insurance by visiting the nearest SBI General branch.


  • Fill the form "Calculate SBI Health Insurance Premium Now" available at the top of this page.
  • Once done, click on the Continue tab, and on the next page, your premiums will be displayed.
  • Choose any additional rider if you want to, and make the payment online.
  • Once the payment is received by the company, they will send you your policy details.
Buying From SBI Health Insurance
Buying From Policyx Website SBI Health Plan

What Is the Claim Process for SBI Arogya Sanjeevani Plan?

SBI Health Insurance offers a direct process to file the claims. Let's take a look at it.

  • Inform the company about the claim by dialing the toll-free number: 1800 22 1111, or SMS 'CLAIM' to 561612.
  • One of the SBI customer representatives will reach out to you within 24 hours of filing the claim with details of the required documents and further steps.
  • Submit all the required documents.
  • The company will initiate the process and settle all relevant claims within 30 days of the final survey report.

SBI General Important Links

SBI Arogya Sanjeevani Plan: FAQs

1. 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.

2. 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%

3. 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.

4. 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.

Find Out What Customers Are Saying

(Showing latest 5 reviews only)

- 4.8/5 (33 Total Rating)

March 14, 2022

kuljeet singh


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.

February 17, 2022

Dhiraj Khanna


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

October 12, 2021

Avantika Nagpal


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

October 8, 2021

Rekha Tyagi


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

September 2, 2021

Kuwali Rai


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

Last updated on August, 2021

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