Network hospitals
20000+
Claim settlement ratio
95.04%
Sum insured
Up to 5 Lakh
No. of Plans
10
Solvency Ratio
1.98
Pan India Presence
24700+
Network hospitals
20000+
Claim settlement ratio
95.04%
Sum insured
Up to 5 Lakh
No. of Plans
10
Solvency Ratio
1.98
Pan India Presence
24700+
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.
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
Renewal
Lifelong
*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.
In-patient & Out-patient coverage
Room Rent
Covered up to 2% of SI
ICU Charges
Covered up to 5% of SI
Pre-Hospitalization
Covered, up to 30 days
Post-Hospitalization
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
Covered
Cataract
Covered
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
Covered
IVF Treatment
Not Covered
Modern Treatment
Not Covered
Emergency Coverage
Ambulance
Covered Up to 2K
Air Ambulance
Not covered
Compassionate Travel
Not Covered
Global Coverage
Not Covered
Wellness Programmes
E-Consultation
Not Covered
Health Check-Up
Not Covered
Second Medical Opinion
Not Covered
Vaccination
Not Covered
Limitations
Co-payment
Applicable
Sub-limits
Not Applicable
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:
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.
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.
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.
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.
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.
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.
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.
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
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.
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.
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.
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.
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.
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.
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:
Coverage status under SBI Arogya Sanjeevani Policy?
Not covered
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.
In Vitro Fertilization (IVF) is a method of assisted reproductive technology. The common expenses incurred under IVF and infertility treatments are for:
Coverage status under SBI Arogya Sanjeevani Policy?
Not available
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.
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.
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
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
Any kind of medical/health emergency when you are outside of India.
Coverage status under SBI Arogya Sanjeevani Policy?
Not available
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.
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
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.
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.
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.
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
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.
Sum Insured (in Rs.) | 3 Lakh | 5 Lakh | 10 Lakh |
Premium (in Rs.) | 4,004 | 5,311 | 6,843 |
Sum Insured (in Rs.) | 3 Lakh | 5 Lakh | 10 Lakh |
Premium (in Rs.) | 6,577 | 8,609 | 11,060 |
Sum Insured (in Rs.) | 3 Lakh | 5 Lakh | 10 Lakh |
Premium (in Rs.) | 10,609 | 13,831 | 17,696 |
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
The plan comes with the benefit of Lifetime Renewability that allows the policyholder to renew their policy at any age without any restrictions.
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.
The plan covers up to 12 advanced treatments. The treatments are listed below:
Dental treatment or plastic surgeries necessitated due to disease or injury will be covered under the plan.
With this plan, one can also avail of tax benefits under Section 80D of the Income Tax Act.
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
Comprehensive Plan
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
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
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
Affordable Plan
A family floater plan for metro and non-metro cities offering wide coverage of INR 5 Lakhs. No pre-policy medical check-up is required to avail of this policy.
Unique Features
Top-up policy
The policy comes into action post exhaustion of your current health plan and provides affordable premiums with various benefits.
Unique Benefits
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
Hospital Daily Cash
The policy provides a fixed amount to the claimant for each day of hospitalization and expenses like traveling, food, and much more.
Unique Features
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
Group Insurance Policy
This plan is available for individuals and families, wherein the plan will take care of medical expenses with affordable premium rates.
Unique Features
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.
See More Health Insurance Articles
See More Health Insurance Articles
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-
No, you do not need to undergo any health check-up 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.
Piyush Kumar
Indore
May 1, 2023
PolicyX offers a wide range of insurance options from various insurance providers. Their website allowed me to compare different policies and choose the one that best suits my needs and budget.
priya
Pune
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.
Saksham
Ahmedabad
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.
kuljeet singh
Chandigarh
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.
Dhiraj Khanna
Mumbai
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.
Avantika Nagpal
Kolkata
October 12, 2021
Very amazing and helpful service offered by SBI Health. I am impressed by the way this company works.
Rekha Tyagi
Kolkata
October 8, 2021
Well done SBI Health. You are doing a great job. Also, I wanna thank PolicyX.com for your continuous support. Best of luck to both companies.
Kuwali Rai
Gandhinagar
September 2, 2021
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Naval Goel is the CEO & founder of PolicyX.com. Naval has an expertise in the insurance sector and has professional experience of more than a decade in the Industry and has worked in companies like AIG, New York doing valuation of insurance subsidiaries. He is also an Associate Member of the Indian Institute of Insurance, Pune. He has been authorized by IRDAI to act as a Principal Officer of PolicyX.com Insurance Web Aggregator.
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