Arogya Shield Plan vs Sbi Smart Shield Plus 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

Sbi Smart Shield Plus

Premium Including GST
Key Features
(Key features of the plan)
  • Combination Plan
  • Hospitalization Cover
  • Discount on Premiums
  • Choice of Plan Options
  • Optional Better Half Benefit
  • Lower Rates for Female Lives
Plan Maturity age Maximum Maturity Age - 70 years Maximum maturity age- 100 years
Plan Sum Assured Basic Sum Assured: ₹20L to ₹2.5 Cr Base sum assured- Rs 25 lakhs to No limit
Plan Entry Age Minimum Age - 18 years Maximum Age - 65 years Minimum Age - 18 years Maximum Age - 45 years
Plan Payment modes Yearly and Monthly Yearly
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 645-/ per month
Plan Brochure Brochure URL Brochure URL
Policy Term Minimum term - 5 years Maximum term - 40 years Minimum policy term- 5 years to 79 minus entry age
Claim Settlement Ratio (2024-25) 98.83% 98.83%
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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 SBI Life Smart Shield Plus Plan

You can choose the following riders with your SBI Life Smart Shield Plus Plan to enhance your plan coverage:

SBI Life Accident Benefit Rider

This rider offers additional benefits in case of the policyholder's uncertain death during the policy tenure.

Other Term Insurance Companies

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