SBI Arogya Sanjeevani Policy

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 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.

SBI Arogya Sanjeevani Policy Specifications

To understand SBI Arogya Sanjeevani Policy Insurance in detail, take a look at the below table:

Entry Age

18 years to 65 Years

Policy Type

Individual and Family Health Insurance

Sum Insured

50 K | 1 L | 2 L | 5 L | 7.5 L | 10 L

Initial Waiting Period*

30 Days

Renewability

Lifelong

Policy Term

1 year

*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.

Choose Your SBI Arogya Sanjeevani Policy

With wide coverage options available, SBI Arogya Sanjeevani Policy Insurance Plan allows you to choose your ideal coverage as per your family’s health requirements. Take a look at the coverage under every SI option available and choose your ideal coverage:

In-patient & Out-patient coverage

Room Rent

Covered

ICU Charges

Covered

Pre-Hospitalization

Covered

Post-Hospitalization

Covered

Domiciliary Hospitalization

Not Covered

Daycare Treatment

Covered

OPD Charges

Not Covered

Coverage Terms

COVID-19 Treatment

Covered

Cataract

Covered

No Claim Bonus

Covered

Automatic Restoration

Not Covered

Daily Hospital Cash

Not Covered

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

Covered

Emergency Coverage

Ambulance

Covered

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

Covered

Sub-limits

Not Covered

Benefits of SBI Arogya Sanjeevani Policy

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
The plan comes with the benefit of Lifetime Renewability that allows the policyholder to renew their policy at any age without any restrictions.
Cumulative Bonus
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.
Advanced Treatments
The plan covers up to 12 advanced treatments. The treatments are listed below: Uterine Artery Embolization and HIFU Balloon Sinuplasty Deep Brain Stimulation Oral Chemotherapy Immunotherapy - Monoclonal Antibody to be given as an injection IntraVitreal Injections Robotic Surgeries Stereotactic Radio Surgeries Bronchial Thermoplasty The vaporisation of the Prostate (Green laser treatment or holmium laser treatment) IONM (Intra Operative Neuro Monitoring) Stem Cell Therapy (Hematopoietic stem cells for bone marrow transplant for hematological conditions to be covered
Other Treatments
Dental treatment or plastic surgeries necessitated due to disease or injury will be covered under the plan.

SBI Health Insurance Network Hospital List

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.

Delhi

Mumbai

Bengaluru

Chennai

Kolkata

Hyderabad

Pune

Ahmedabad

Jaipur

Lucknow

Know More About Network Hospital

Sample Illustration Of SBI Arogya Sanjeevani Plan

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.

Individual (30 years)

Sum Insured (in Rs.)	3 Lakh	5 Lakh	10 Lakh
Premium (in Rs.)	4,004	5,311	6,843

Family Floater (2 Adults)

Sum Insured (in Rs.)	3 Lakh	5 Lakh	10 Lakh
Premium (in Rs.)	6,577	8,609	11,060

Family Floater (2 Adults+2 Kids)

Sum Insured (in Rs.)	3 Lakh	5 Lakh	10 Lakh
Premium (in Rs.)	10,609	13,831	17,696

What is Not Covered Under SBI Arogya Sanjeevani Plan?

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

Explore other SBI Health Insurance

To cater to the different medical needs of an individual & their family, SBI Health Insurance offers several Health Plans ranging from senior citizen plans to specialized plans for autistic children, to health insurance for cardiac patients, and many more.Take a look below to SBI Health Insurance plans explore more:

Individual

SBI Divyanga Suraksha Policy

Would you believe if we say that the SBI Divyanga Suraksha health insurance plan provides healthcare for people with disability or any pre-existing HI...

Unique Features

Covers in-patient treatment
HIV/AIDS cover
Power against disability

SBI Divyanga Suraksha Policy (Pros)

Pre and post-hospitalization
Medical treatment
Daycare procedures
Cataract cover

SBI Divyanga Suraksha Policy (Cons)

Domiciliary hospitalization
Vaccination
Health check-ups
Global coverage

SBI Divyanga Suraksha Policy (Other Benefits)

Modern treatment cover
In-patient treatment
AYUSH care
PEDs cover

SBI Divyanga Suraksha Policy (Eligibility Criteria)

Entry age: 18 o 65 years
SI: 4 & 5 Lakhs
Initial Waiting Period: 30 days

Individual and Family Health Insurance

Arogya Premier Policy

SBI Arogya Premier Policy is a comprehensive health insurance plan that is designed to protect you and your family from uncertain medical expense...

Unique Features

Plan Specifications
Eligibility
Inclusions and Exclusions

Arogya Premier Policy (Pros)

In-patient hospitalization expenses
Pre and post-hospitalization
AYUSH treatments
Maternity expenses

Arogya Premier Policy (Cons)

Daily hospital cash cover
Newborn baby cover
Global coverage
Compassionate visit unavailable

Arogya Premier Policy (Other Benefits)

Mental illness cover
HIV/AIDS cover
Internal congenital diseases
Genetic disorders

Arogya Premier Policy (Eligibility Criteria)

Entry Age: 3 Months to 65 Year
Sum Insured: 10 to 30 Lakhs
Initial Waiting Period: 30 days

Individual and Family Health Insurance

Arogya Plus Policy

SBI Arogya Plus policy is a fixed premium plan that offers financial protection to you and your family during a medical emergency. The plan provi...

Unique Features

What is Arogya Plus?
Know the Eligibility Criteria
Premiums Sample Illustration

Arogya Plus Policy (Pros)

OPD cover
In-patient hospitalization
Pre & post hospitalization

Arogya Plus Policy (Cons)

Newborn baby cover
Vaccination
Compassionate travel
Organ donor cover unavailable

Arogya Plus Policy (Other Benefits)

AYUSH treatment
Domiciliary hospitalization
HIV/AIDS cover
Mental illness cover

Arogya Plus Policy (Eligibility Criteria)

Entry Age: 3 Months to 65 Years
Sum Insured: 1/2/3 L
Policy term: 1/2/3 years
Initial waiting period: 30 days

Individual and Family Health Insurance

SBI Arogya Top-Up Policy

SBI Arogya Top-up Policy is a health insurance top-up policy that is designed to provide additional coverage to policyholders when their standard...

Unique Features

Enhanced coverage
Eligibility criteria
Key features

SBI Arogya Top-Up Policy (Pros)

In-patient hospitalisation
Pre & post hospitalisation
Ambulance cover

SBI Arogya Top-Up Policy (Cons)

Global coverage
Air ambulance
Compassionate visit
OPD cover unavailable

SBI Arogya Top-Up Policy (Other Benefits)

Organ donor expenses
Domiciliary treatment
Modern treatment

SBI Arogya Top-Up Policy (Eligibility Criteria)

Entry age: 3 months to 65 years
SI: 1 to 50 Lakhs
Policy term: 1/2/3 years
Initial waiting period: 30 days

Individual and Family Health Insurance

SBI Arogya Sanjeevani Policy

SBI Arogya Sanjeevani Policy is a standard health insurance policy that comes with an affordable premium and offers a bucket full of benefits to ...

Unique Features

Affordable Health Plan
Eligibility Criteria
Inclusions and Exclusions

SBI Arogya Sanjeevani Policy (Pros)

In-patient hospitalization
Pre and post-hospitalization care
ICU expenses
Daycare treatment
Up to 12 advanced treatments

SBI Arogya Sanjeevani Policy (Cons)

Modern treatment unavailable
OPD not covered
Domiciliary hospitalization unavailable

SBI Arogya Sanjeevani Policy (Other Benefits)

Deep Brain Stimulation
Balloon Sinuplasty
Oral Chemotherapy
Intra Vitreal Injections

SBI Arogya Sanjeevani Policy (Eligibility Criteria)

Entry Age: 18 to 65 Years
SI: 50K to 1 Lakhs
Initial waiting period: 30 days

Critical Illness Health Insurance

SBI Critical Illness Policy

SBI Critical Illness Insurance Policy offers you financial protection from 13 important critical illnesses, this policy offers a fixed sum, irrespect...

Unique Features

Coverage for Cancer
Eligibility Criteria
Inclusions and Exclusions

SBI Critical Illness Policy (Pros)

13 critical illnesses
COVID- 19 covered
Air ambulance services

SBI Critical Illness Policy (Cons)

Maternity cover
OPD and daycare unavailable
Global cover unavailable

SBI Critical Illness Policy (Other Benefits)

Emergency medical cover
No Maximum age limit
SI up to 10 L

SBI Critical Illness Policy (Eligibility Criteria)

Entry age: 5 years to No limit
SI: 3 to 10 Lakhs
Initial waiting period: 90 days

Individual

SBI Loan Insurance Policy

SBI Loan Insurance policy offers comprehensive coverage to the policyholder and helps them to repay their loan in case of medical emergencies ari...

Unique Features

Loan repayment benefits
Plan details
Inclusions and exclusions

SBI Loan Insurance Policy (Pros)

Pays out max 3 EMIs
Pays outstanding loan
PTD benefits

SBI Loan Insurance Policy (Cons)

Drug abuse or alcoholism
HIV/AIDS
Self-inflicted injury

SBI Loan Insurance Policy (Other Benefits)

Accidental cover
Critical illnesses cover
Loss of job cover

SBI Loan Insurance Policy (Eligibility Criteria)

Entry Age: 18 to 65 years
SI: 1 Crore
Initial waiting period: 90 days

Individual and Family Health Insurance

SBI Arogya Supreme Policy

SBI Arogya Supreme health plan is a diverse health insurance plan that provides a solution for all your healthcare needs. It covers 20 basic covers an...

Unique Features

Complete protection
Choose SI
Choose policy tenure

SBI Arogya Supreme Policy (Pros)

Domestic Air Ambulance Cover
Compassionate Benefit
Recovery Benefit

SBI Arogya Supreme Policy (Cons)

Automatic restoration
Maternity cover unavailable
Newborn baby cover
2nd medical opinion not covered

SBI Arogya Supreme Policy (Other Benefits)

E-Opinion Cover
Preventive Health Check-up
Renewal Benefit

SBI Arogya Supreme Policy (Eligibility Criteria)

Entry age: 18 to 65 years
Sum Insured 3 L | 5 L | 7.5 L | 10 L | 15 L | 30 L | 40 L | 50 L | 1 Cr
Policy Term 1/2/3 Years
Initial Waiting Period 30 Days

Group Health Insurance

SBI Group Health Insurance

SBI Group Health Insurance is a comprehensive plan, as it provides wider coverage to its customers as well as their family members. Group health insur...

Unique Features

High Sum Insured
Easy Policy Renewal
10% copayment

SBI Group Health Insurance (Pros)

In-patient hospitalization
Daycare treatments
Co-payment clause

SBI Group Health Insurance (Cons)

Room rent unavailable
OPD not covered
Organ donor expenses
Modern treatment unavailable

SBI Group Health Insurance (Other Benefits)

Ambulance expenses
Pre & post-hospitalisation
Policy renewal benefits

SBI Group Health Insurance (Eligibility Criteria)

Entry age: 18 to 65 years
Sum insured: 1 to 5 Lakhs
Initial waiting period: 30 days

Individual and Family Health Insurance

SBI Health Edge Policy

SBI Health Edge is a newly introduced health insurance plan from SBI Health Insurance which is customizable and is available to insurance holders...

Unique Features

Avail Global Treatment
Multiple Discounts
18 Optional Covers

SBI Health Edge Policy (Pros)

In-patient hospitalization
Pre and Post-hospitalization
Daycare treatments
Emergency ambulance cover

SBI Health Edge Policy (Cons)

Organ donor
Compassionate visit
Domiciliary hospitalization

SBI Health Edge Policy (Other Benefits)

Bariatric Surgery Cover
Modern Treatments
AYUSH Treatments
Health Check-ups

SBI Health Edge Policy (Eligibility Criteria)

Entry Age: 18 to 65 Years
SI: 3 to 25 Lakhs
Initial waiting period: 30 days

Individual and Family Health Insurance

Super Health Policy

SBI Super Health Plan is SBI Health Insurance's new comprehensive health insurance plan. The plan is an umbrella health plan that provides all-in...

Unique Features

Unlimited Re-insure Benefit
Wellness Benefits
Annual Health Check-ups

Super Health Policy (Pros)

Tax benefit
Reinsure benefit
Health multiplier
Optional covers

Super Health Policy (Cons)

Cosmetic treatment
Injury due to illegal activities
Unlawful activities
Adventure sports injuries

Super Health Policy (Other Benefits)

OPD expenses
International treatment
SI up to 2 Crores
Flexible premium payments

Super Health Policy (Eligibility Criteria)

Min entry age: 18 Years
Max entry age: 65 Years
Initial Waiting Period: 30 Days
Sum Insured: Up to 2 Cr

SBI Arogya Sanjeevani Policy: FAQs

1. Who all are eligible to buy SBI Arogya Sanjeevani Policy?

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.

2. What is the policy term of SBI Arogya Sanjeevani Policy?

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.

3. What is included under the in-patient hospitalization of SBI Arogya Sanjeevani Health Insurance policy?

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.

4. I want to increase my Sum Insured under the SBI Arogya Sanjeevani Policy. Can I do that?

Yes, you can increase or decrease the sum insured as per your changing needs only at the time of renewal.

5. Does SBI General Arogya Sanjeevani offer coverage against COVID-19?

Yes, as per the guidelines of IRDAI, every health insurance plan along with SBI Arogya Sanjeevani has to offer coverage against COVID-19.

6. Does SBI Arogya Sanjeevani offer any discounts to the policyholders?

Yes, the plan offers several discounts such as- Online discount of 10% discount Discount of 2.5% if two adults are covered, and 5% if more than 3 adults are covered SBI Group Employee Discount of 5%

7. Do I need to undergo any pre-medical health check-ups before buying SBI Arogya Sanjeevani Policy?

No, you do not need to undergo any health check-ups up to 55 years of age if there is no pre-existing disease.

8. What is the co-payment clause under SBI General Arogya Sanjeevani?

The plan comes with a clause of 5% co-pay, which is applicable on all admissible claims.

SBI Arogya Sanjeevani Policy

SBI Arogya Sanjeevani Policy Specifications

Entry Age

Policy Type

Sum Insured

Initial Waiting Period*

Renewability

Policy Term

Choose Your SBI Arogya Sanjeevani Policy

In-patient & Out-patient coverage

Coverage Terms

Alternative Treatments

Emergency Coverage

Wellness Programmes

Limitations

Benefits of SBI Arogya Sanjeevani Policy

Lifetime Renewability

Cumulative Bonus

Advanced Treatments

Other Treatments

SBI Health Insurance Network Hospital List

Delhi

Mumbai

Bengaluru

Chennai

Kolkata

Hyderabad

Pune

Ahmedabad

Jaipur

Lucknow

Sample Illustration Of SBI Arogya Sanjeevani Plan

Individual (30 years)

Family Floater (2 Adults)

Family Floater (2 Adults+2 Kids)

What is Not Covered Under SBI Arogya Sanjeevani Plan?

Explore other SBI Health Insurance

SBI Divyanga Suraksha Policy (Pros)

SBI Divyanga Suraksha Policy (Cons)

SBI Divyanga Suraksha Policy (Other Benefits)

SBI Divyanga Suraksha Policy (Eligibility Criteria)

Arogya Premier Policy (Pros)

Arogya Premier Policy (Cons)

Arogya Premier Policy (Other Benefits)

Arogya Premier Policy (Eligibility Criteria)

Arogya Plus Policy (Pros)

Arogya Plus Policy (Cons)

Arogya Plus Policy (Other Benefits)

Arogya Plus Policy (Eligibility Criteria)

SBI Arogya Top-Up Policy (Pros)

SBI Arogya Top-Up Policy (Cons)

SBI Arogya Top-Up Policy (Other Benefits)

SBI Arogya Top-Up Policy (Eligibility Criteria)

SBI Arogya Sanjeevani Policy (Pros)

SBI Arogya Sanjeevani Policy (Cons)

SBI Arogya Sanjeevani Policy (Other Benefits)

SBI Arogya Sanjeevani Policy (Eligibility Criteria)

SBI Critical Illness Policy (Pros)

SBI Critical Illness Policy (Cons)

SBI Critical Illness Policy (Other Benefits)

SBI Critical Illness Policy (Eligibility Criteria)

SBI Loan Insurance Policy (Pros)

SBI Loan Insurance Policy (Cons)

SBI Loan Insurance Policy (Other Benefits)

SBI Loan Insurance Policy (Eligibility Criteria)

SBI Arogya Supreme Policy (Pros)

SBI Arogya Supreme Policy (Cons)

SBI Arogya Supreme Policy (Other Benefits)

SBI Arogya Supreme Policy (Eligibility Criteria)

SBI Group Health Insurance (Pros)

SBI Group Health Insurance (Cons)

SBI Group Health Insurance (Other Benefits)

SBI Group Health Insurance (Eligibility Criteria)

SBI Health Edge Policy (Pros)

SBI Health Edge Policy (Cons)

SBI Health Edge Policy (Other Benefits)

SBI Health Edge Policy (Eligibility Criteria)

Super Health Policy (Pros)

Super Health Policy (Cons)

Super Health Policy (Other Benefits)