Arogya Shield Plan vs Smart Swadhan Supreme 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

Smart Swadhan Supreme Plan

Premium Including GST
Key Features
(Key features of the plan)
  • Combination Plan
  • Hospitalization Cover
  • Discount on Premiums
  • Maturity benefits
  • Flexible policy term
  • Tax benefits under section 80C
Plan Maturity age Maximum Maturity Age - 70 years Maximum Maturity Age - 75 years
Plan Sum Assured Basic Sum Assured: ₹20L to ₹2.5 Cr Basic Sum Assured: ₹25L to No LImit
Plan Entry Age Minimum Age - 18 years Maximum Age - 65 years Minimum Age - 18 years Maximum Age - 60 years
Plan Payment modes Yearly and Monthly Yearly, Half-Yearly, and Monthly
Plan Policy loan The policy loan is not available under SBI Life Arogya Shield Plan. The policy loan is not available under SBI Smart Swadhan Supreme Plan.
Plan Sample Premium Rs 503-/ per month Rs 521-/ per month
Plan Brochure Brochure URL Brochure URL
Policy Term Minimum term - 5 years Maximum term - 40 years Minimum term - 15 years Maximum term - 30 years
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 Associated with SBI Smart Swadhan Supreme Plan

You can add the following riders to your SBI Smart Swadhan Supreme Plan:

SBI Life Accidental Death Benefit Rider

Accidental Death Benefits Rider provides an additional sum if the policyholder dies within 120 days of the accident.

SBI Life Accidental Total and Permanent Disability Rider

Accidental Total and Permanent Disability Rider covers the policyholder if any accident occurs that leads to the permanent disability of the policyholder.

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