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SBI Arogya Sanjeevani Health Insurance

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SBI Health Insurance
Arogya Sanjeevani Policy
Claim SettlementDedicated Team
Claim Settlement Ratio66.08%
COVID-19 CoverYes
Network Hospitals6,000+
Policies Sold7,56,443
RenewabilityLifelong

About SBI Arogya Sanjeevani Health Insurance

Arogya Sanjeevani Policy offered by SBI General Insurance is a comprehensive health insurance policy that offers financial protection in case of any serious illness or accident that results in hospitalisation. This medical insurance policy provides financial security to any individual who is aged between 18 years and 65 years old on an Individual or Family floater basis. This means you can buy this policy to cover self, spouse, dependent children, parents, and parents-in-law under a single policy. This policy is available at the sum insured options, ranging from Rs. 1 Lakh to Rs. 5 Lakh.

A plus point in buying this policy is that the policyholders need not undergo any health check-up up to 45 years of age if there is no pre-existing disease. SBI Arogya Sanjeevani Policy comes at an affordable premium and gives the benefits like coverage for pre and post hospitalisation expenses, AYUSH treatment, ICU expenses, cataract treatment, costs of medicines that you consume during the stay at the hospital, daycare treatment, and modern treatment like Deep Brain Stimulation, Balloon Sinuplasty, Oral Chemotherapy, Intra Vitreal Injections, Robotic Surgeries, immunotherapy- Monoclonal Antibody to be given as an injection, Stereotactic Radio Surgeries. Tax benefits under Section 80D of the Income Tax Act can also be availed.

Read more: Arogya Sanjeevani Policy

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Key Inclusions and Exclusions of the Plan

What's Included

  • Cataract treatment expenses subject to a specific limit
  • Nursing expenses, operation theatre, and ICU expenses
  • Pre-hospitalisation expenses up to 30 days
  • AYUSH treatments
  • Pre and post hospitalisation for 30 days and 60 days
  • Dental treatment & plastic surgery due to a disease/injury

What's Not Included

  • Treatment for drugs, alcoholism, or any addictive condition
  • Expenses related to any unproven treatments are not covered
  • Expenses traceable to childbirth except ectopic pregnancy
  • Cosmetic/plastic surgery unless due to illness/injury
  • Expenses on OPD and domiciliary treatment
  • Treatments related to change of gender

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Arogya Sanjeevani Policy User Reviews

4.6
Rating based on
381 User reviews
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What users are saying
  • All
  • Good policy

    I purchased SBI General Arogya Sanjeevani Policy last month from InsuranceDekho but was unable to understand a few things from the policy wording so I contacted the customer care executives at InsuranceDekho. They were very polite and helped me a lot.   

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    R
    By Ragini Chopra
    On: Jun 17, 2020
  • Easy to buy online

    I contacted the customer care executive of InsuranceDekho to purchase SBI General Arogya Sanjeevani Policy from them. It was a very smooth process as they guided me step by step and also explained the policy terms very patiently.   

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    R
    By Rohit Pahwa
    On: Jun 17, 2020
  • Great benefits under the polic...

    Under my SBI General Arogya Sanjeevani Policy that I purchased from InsuranceDekho, I get many benefits such as cover for in-patient hospitalisation expenses, pre and post-hospitalisation expenses, daycare treatment and AYUSH treatment.   

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    D
    By Disha Chadha
    On: Jun 17, 2020
  • Wide sum insured options

    I purchased SBI General Arogya Sanjeevani Policy from InsuranceDekho and chose the sum insured option of Rs. 2 lakh as the policy only covers me. It is good that the policy has wide sum insured options and everyone can choose as per their needs.  

    Read More

    A
    By Amit Bansal
    On: Jun 16, 2020
  • Helpful executives at Insuranc...

    I called InsuranceDekho 2-3 times just to understand my SBI General Arogya Sanjeevani  Policy features clearly. But the customer care executives were so polite and answered all my queries patiently. I thank them for the help.   

    Read More

    D
    By Debojit Sinha
    On: Jun 16, 2020
View All Arogya Sanjeevani Policy Reviews

SBI Arogya Sanjeevani Policy Brochure

  • 5.40 MB
  • PDF Document
  • Apr 13, 2020
Download PDF

Claim Process at SBI Health Insurance

  • Network Hospital
  • Non-Network Hospital
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation as soon as it occurs and for planned hospitalisation intimate as soon as it occurs prior to admission.
  • 3

    Claim Processing

    Fill in the pre-authorisation form and hand it over to hospital's insurance/TPA desk to initiate claim request.
  • 4

    Claim Settlement

    Once your request is approved, claim is settled. If not approved, claim for reimbursement after discharge.
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation as soon as it occurs and for planned hospitalisation intimate as soon as it occurs prior to admission.
  • 3

    Claim Processing

    Submit claim form with original documents such as doctor’s reports, hospital bills, diagnostic tests, etc.
  • 4

    Claim Settlement

    Once your request for reimbursement of expenses is approved, the claim will be settled.

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FAQs on Arogya Sanjeevani Policy Health Insurance Plan

  • What are the key features of Arogya Sanjeevani Policy, SBI General?

    Key features of the policy are:

    • Sum insured range: Rs. 1 Lakh to Rs. 5 Lakh
    • Premium payment: Annually, Monthly, Quarterly, or Half-yearly instalments 
    • No Claim Bonus of 5% for every claim-free year up to 50% of sum insured
    • The policy is renewable for lifetime
    • Cashless or reimbursement facility

  • What is the minimum and maximum entry age under this policy?

    The minimum and maximum entry age under this plan is 3 months and 65 years respectively. 

  • What is the policy term?

    Arogya Sanjeevani Policy, SBI General is an annual policy. It has to be renewed every year. 

  • Is there any waiting period under the policy?

    Arogya Sanjeevani Policy, SBI General comes with the following waiting periods during which no claims will be entertained:

    • Waiting period of 48 months for pre-existing diseases
    • An initial waiting period of 30 days from the date of commencement of policy (except for accidents)
    • Waiting period of 48 months (except accidents) for treatment of joint replacement
    • Waiting period of 48 months (except accidents) for age-related Osteoarthritis and Osteoporosis
    • Waiting period of 24 months for some specific illnesses

  • Can the waiting period under this policy be waived off in any case?

    The waiting period might be waived off only in the case when the insured had continuous policy coverage from another insurer but has now ported it to SBI General Insurance. 

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