SBI Arogya Shield
  • Combination Plan- Health, Life
  • Hospitalization Cover
  • Discount on Premiums
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SBI Life Arogya Shield

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. Let us explore the full details of the plan in this article:

Eligibility Table of SBI Life Arogya Shield

The insured has to fulfill the following eligibility criteria to buy the plan.

Eligibility Criteria

Health Insurance Coverage

Min Age at Entry 91 Days
Max Age At Entry 65 Years
Min Policy Term 1/2/3 Years
Max Policy Term
Premium Payment Mode Single
Premium Payment Frequency
Min Age At Maturity Life Long on Contionus Renewal
Max Age At Maturity
Min Sum Insured/Assured 100,000 (Health) - 5,00,000 (Life)
Who Can Be Covered Primary Insured i.e. Self+ Spouse and up to 2 Dependent Children

Read more specifications in the brochure.

Key Benefits of SBI Life Arogya Shield

The plan offers a plethora of benefits mentioned below:

  • Combi Product
    The plan provides double protection of health as well as life cover.



    Sum Insured/Assured

    Health Insurance Hospitalization
    Medical emergencies
    Rs 1,00,000, Rs 2,00,000, Rs 3,00,000
    Life Insurance Death Cover Rs 5,00,000, Rs 25,00,000
  • Death Benefit under Life Cover
    SBI Life Arogya Shield Term Plan offers a death benefit of 105% of the Sum Assured on the death of the policyholder due to other than accidents during the waiting period.
  • Hospitalization Cover
    SBI Arogya Shield Term Policy offers comprehensive coverage of various hospitalization covers.
  • Discounts
    The plan offers an additional discount of 5% on Health and Life Insurance Premiums.
  • Affordability
    The premium paid for the plan is affordable. Here are the premium payment modes for life and health plans:


    Premium Payment Modes

    Health Cover Single Pay
    Life Insurance Cover Regular Pay
  • Claims
    The plan offers cashless claims for health insurance, and customers find this plan hassle-free and trustworthy.
  • Tax Benefit
    If the policyholder buys this Arogya Shield Plan they are eligible for tax under section 80 (C) of the tax laws of the nation.

Health Insurance Cover

The plan covers the following under its health insurance cover

  • Hospitalization
  • OPD Treatment/ Teleconsultation
  • Pre-Hospitalization
  • Post hospiatlaitionn
  • Day Care Expenses
  • Ambulance Cover
  • Alternative Treatment
  • Domilicay Hospitalization
  • Maternity Expenses
  • HIV/AIDS COver
  • Mental Illness Cover

Arogya Sheld Health Coverage Offers a Sub-limit on the Following Illnesses

  • Severe Depression
  • Schizophrenia
  • Bipolar Disorder
  • Post Post-traumatic stress disorder
  • Eating Disorder
  • Generalized Anxiety Disorder
  • Obsessive Compulsive Disorder
  • Personality Disorder
  • Conversion Disorder
  • Dissociative Disorder
  • Panic Disorder

Premium Illustration Table

Mrs. Sonam opted for the Arogya Shield, here are the details of the premium paid by her:


Sum Assured(Rs)

Health  300,000
Pure Term Life 2,000,000

The Policy Term and amount opted for by Sonam

Annual Payment with Lifelong Renewal( Health)


Policy Term Opted

30 Years

Annual Premium( Term)


Combi Product Discount


So, the total premium paid by Sonam is :

Total Premium Paid


Waiting Period | Exclusions

The list of waiting periods under the SBI Life Arogya Shield plan is as follows:

List of Illnesses

Waiting Period

Pre Existing Disease 48 Months
Specific Disease 90 Days /12 Months
Cataract 12 Months
All types of Hernia 12 Months
Hypertension 90 Days
Diabetes  90 Days

Common Exclusions

Here are a few common exclusions of Arogya Shield by SBI:

  • Generic Disorder 
  • Internal Congenital Disease
  • Treatment outside India
  • Injury caused by war or invasion
  • Dental treatment 
  • Breach of Law Cover
  • Sterility and Infertility Cover
  • Dietary Supplement Cover
  • Unproven Treatment Cover
  • No suicide cover

Let's Sum Up

SBI Life Arogya Shield Term Policy provides dual protection for health and life insurance, it's an affordable plan that offers additional discounts on premiums. This is a non-participating and non-linked life insurance plan that grants a payout in case of the unfortunate death of the policyholder. Arogya Shield also offers cover for medical emergencies and hospitalization. The concoction of life and health insurance makes the plan demanding among the customers.

Explore Other SBI Term Insurance Plans

You can find other term policies offered by the SBI Term Insurance company in the section below:

Standard Plan

SBI Life Arogya Shield

SBI Life Arogya shield is a dual protection plan that covers health along with the life insurance cover. The plan comes with affordable premiums and offers discounts also.

Unique Features

  • 5% Discount on Premiums
  • OPD Coverage
  • Maternity Cover

SBI Life Arogya Shield (Pros)

  • Mental Illness Cover
  • Pre & Post Hospitalization
  • HIV/AIDS Cover

SBI Life Arogya Shield (Cons)

  • No Loans Allowed
  • No cover for suicide
  • No rider Benefits

SBI Life Arogya Shield (Other Benefits)

  • 141 Day Care Procedures
  • Tax Saving on 80D and 80C (Health & Life Premiums)
  • Multiple Sum Insured (1, 2 & 3L )

SBI Life Arogya Shield (Eligibility Criteria)

  • Entry Age - 90 Days (Health) 18 Years (Life)
  • Max Entry Age - 65 years
  • Minimum Sum Assured - 5 L
  • Maximum Maturity Age - 70 Years
  • Premium Payment Term - Regular Premium (Annually)

Online Plan

A protection plan offering 3 plan options to choose from along with a Terminal Illness Benefit that allows you to enhance your protection with Riders.

Unique Features

  • Online Plan
  • Increasing Cover on Life Stages
  • 100 Years Life Cover

SBI Life e-Shield Next (Pros)

  • 2 Rider Options
  • Better Half Benefit Option
  • Guaranteed Surrender Value

SBI Life e-Shield Next (Cons)

  • No Loans Allowed
  • No Maturity Benefit
  • Suicide no covered

SBI Life e-Shield Next (Other Benefits)

  • Life Cover with Future Proofing Benefit
  • Death Benefit Options
  • Terminal Illness Cover on all Variants

SBI Life e-Shield Next (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 years
  • Minimum Sum Assured - 50 L
  • Maximum Maturity Age - 85 Years
  • Premium Payment Term - SP/RP/LP

Standard Plan

An Individual, Non-linked Pure Risk premium product, that offers complete protection to the family members.

Unique Features

  • Life Cover with Future Proofing Benefit
  • 100 % Death Benefit
  • Max Sum Assured 25 Lakh

Saral Jeevan Bima (Pros)

  • Available For Online Buying
  • Spouse Cover
  • Max Sum Assured 25 Lakh

Saral Jeevan Bima (Cons)

  • No Survival Benefit
  • No Maturity Benefit
  • No Surrender Benefit

Saral Jeevan Bima (Other Benefits)

  • Easy Claim Settlement Process
  • Avail Tax Benefits
  • Flexible-Premium Payment term

Saral Jeevan Bima (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 years
  • Minimum Sum Assured-5 L
  • Maximum Maturity Age- NA
  • Premium Payment Term-RP/SP/LP(5&10 Years)

Standard Plan

SBI Life Smart Shield is a pure term plan that offers two options – Level Term Assurance and Increasing Term Assurance and offers additional riders for enhanced protection.

Unique Features

  • Coverage at an affordable cost.
  • Lower premiums for non-smokers.
  • Discount on larger sum assured.

SBI Life Smart Shield (Pros)

  • Two Plan Options
  • Accidental Total and Permanent Disability Benefit Rider
  • Accidental Death Benefit Rider

SBI Life Smart Shield (Cons)

  • Premium Loading
  • No Loan Benefit
  • No Survival Benefit

SBI Life Smart Shield (Other Benefits)

  • Covers Suicide
  • Death Benefit
  • Accelerated Critical Illness Benefit

SBI Life Smart Shield (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 60 years
  • Minimum Sum Assured - 25 L
  • Maximum Maturity Age - 80 Years
  • Premium Payment Term - 5 Yeras SP/RP

Rural Plan

SBI Life Grameen Bima

A Life Insurance Pure Risk Premium Product. It provides a life cover with a one-time premium payment. It is an affordable plan with surrender benefits.

Unique Features

  • Death benefit available.
  • Surrender allowed after 1st year.
  • No medical examination required.

SBI Life Grameen Bima (Pros)

  • Easy Enrolment
  • Suicide Cover
  • Fast Processing

SBI Life Grameen Bima (Cons)

  • No Loans Allowed
  • No Maturity Benefit
  • No Rider Benefits

SBI Life Grameen Bima (Other Benefits)

  • Min Single Premium Amount Rs 300
  • Max Sum Assured 50K
  • Tax Benefits

SBI Life Grameen Bima (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 50 years
  • Minimum Sum Assured - 10 K
  • Maximum Maturity Age - NA
  • Premium Payment Term - One-Time Payment at Inception

SBI Arogya Shield Plan: FAQ's

1. Does the SBI Arogya Shield plan offer any policy loan?

The plan does not offer any policy loan.

2. Does the Arogya Shield Term Policy plan offer any suicide cover?

No, this plan does not offer any suicide cover.verage.

3. What is the grace period offered by the plan?

The plan offers 15 days as a grace period to the policyholder.

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SBI Term Insurance Reviews

Read what our customers have to say about SBI term insurance company

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Sneha Nath


March 28, 2024

I would like to inform you that my maturity claims have been settled by SBI Life Insurance on 04.15.2024 and thanks all of you for helping me throughout the claim process.

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kartik saxena


March 18, 2024

I had to add some riders to my Sbi life insurance, team helps to me to understand which rider is more important and which is not. Resulting helps me to save lots of money. Happy with...

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Rakesh kumar


February 16, 2024

Great service! Quick claim processing for my sbi life insurance, Highly recommend for reliable insurance coverage at competitive rates.

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January 25, 2024

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October 4, 2023

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October 4, 2023 simplified the process of getting SBI Term Insurance. Their website is user-friendly, and the policy details were explained clearly. I now have peace of mind knowing my family s fut...

Simran Kaur Vij

Written By: Simran Kaur Vij

Simran is an insurance expert with more than 3 years of experience in the industry. She may have all the answers to your insurance queries. With a background in Banking, she proactively helps her readers to stay on par with all the latest Insurance industry developments.