Arogya Shield Plan vs Acko Flexi Term Plan Term Insurance Plan 2026 | PolicyX

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SBI Life Arogya Shield is a health-plus life combination plan from SBI General Insurance and SBI Life Insurance that offers health and pure term life cover under a single plan. The policy grants security for your family with a standard term plan at an affordable cost. Arogya Sheid offers cashless claims for health coverage and an additional discount of 5% on premiums. The company has designed a brilliant plan that is uncomplicated and has the benefit of both worlds i.e. life and health insurance. 

SBI Life Arogya Shield Plan offers you a range of benefits including:

  • Pure Term Life Cover
  • Cashless Claims
  • Tax Benefits As Per Laws
  • Large Sum Assured Discounts
  • Health Cover
  • Hospitalization Cover
PLAN DETAILS

Arogya Shield Plan

Acko Flexi Term Plan

Premium Including GST
Key Features
(Key features of the plan)
  • Combination Plan
  • Hospitalization Cover
  • Discount on Premiums
  • Will Creation Services
  • Flexi Benefit
  • Optional Riders
Plan Maturity age Maximum Maturity Age - 70 years Maximum maturity age- 85 years
Plan Sum Assured Basic Sum Assured: ₹20L to ₹2.5 Cr Base sum assured- Flexible sum assured
Plan Entry Age Minimum Age - 18 years Maximum Age - 65 years Minimum Age - 18 yearsMaximum Age - 70 years
Plan Payment modes Yearly and Monthly Yearly, half-yearly, quarterly, and monthly
Plan Policy loan The policy loan is not available under SBI Life Arogya Shield Plan. Policy loan is not available
Plan Sample Premium Rs 503-/ per month Rs 720-/ per month
Plan Brochure Brochure URL Brochure URL
Policy Term Minimum term - 5 years Maximum term - 40 years Minimum policy term- 5 years, Maximum policy term- 40 years
Claim Settlement Ratio (2024-25) 98.83% 99.70%
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* The above sample premiums are for a 30-year-old male, nonsmoker with a sum assured of Rs 50 lakhs and a policy tenure of 25 years. You can calculate the premiums for the above term insurance plans using the PolicyX Term Insurance Calculator.

Riders

Riders You Can Avail With Acko Flexi Term Plan

You can choose the following riders with your Acko Flexi Term Insurance Plan to enhance your plan coverage:

Acko Life Critical Illness Rider

If the policyholder is diagnosed with critical illnesses, the rider benefits are paid.

ACKO Life Accidental Total Permanent Disability Benefit Rider

This rider offers benefits if the policyholder suffers total permanent disability due to an accident.

ACKO Life Accidental Death Benefit Rider

If the policyholder suffers death due to an accident, rider benefits are paid to either the policyholder or the nominee.

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