SBI Arogya Sanjeevani Policy Health Insurance

Arogya Sanjeevani Policy
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  • 6,000+ Network Hospitals
    Check in your City
  • 7,56,443 Policies Issued
  • Lifelong Renewability
  • 59.42% Claim Settlement Ratio
  • Dedicated Claim Settlement
  • Coronavirus (COVID-19) Cover

About SBI Arogya Sanjeevani Policy Health Insurance

Arogya Sanjeevani Policy offered by SBI Generla Insurance is a comprehensive health insurance policy that offers financial protection in case of any serious illness or accident that results in hospitalisation. The 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, day care 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.

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
  • Road ambulance expenses up to Rs. 2,000 per hospitalisation
  • 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
  • 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

Arogya Sanjeevani Policy Reviews

What users are saying
  • Good policy

    I purchased SBI General Arogya Sanjeevani Policy last month from InsuranceDekho but was unable to understand a...

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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 fro...

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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 a...

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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...

    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 cl...

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    D
    By Debojit Sinha
    On: Jun 16, 2020
  • Smooth process!

    It is really easy to buy health insurance plans from InsuranceDekho online. One must not involve agents and mu...

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    J
    By Jasmine Khurana
    On: Apr 12, 2020
  • Useful plan.

    I was in search of a comprehensive health insurance plan for my family and am glad to have purchased this. SBI...

    Read More
    S
    By Sumedha Malhotra
    On: Apr 09, 2020
  • Affordable premium.!

    The plan comes at an affordable premium and keeps my entire family covered against unforeseen circumstances. I...

    Read More
    K
    By Kritika Sharma
    On: Apr 09, 2020

SBI Arogya Sanjeevani Policy Brochure

  • 5.40 MB
  • PDF Document
  • Apr 13, 2020

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.

Arogya Sanjeevani Policy FAQs

  • 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. 

  • Is there any discount offered to the policyholders under this policy?

    The policyholders can enjoy the following discount on premium paid for this policy-

    • Online discount of 10% discount
    • Non-floater discount of 2.5% if two adults are covered, and 5% if more than 3 adults are covered
    • SBI Group Employee Discount of 5%  
  • What is the notification period for planned or emergency hospitalisation?

    In case of planned hospitalisation, you must inform either the insurance company or the TPA within 48 hours of hospitalisation or before discharge whichever is earlier. Whereas in case of emergency hospitalisation, you must notify within 24 hours of hospitalisation or before discharge whichever is earlier. 

  • Is there any co-payment clause under this policy?

    Yes. 5% co-payment is applicable for all admissible claims under this policy.  

  • What are the in-patient hospitalisation expenses covered under this policy?

    Following in-patient hospitalisation expenses are covered under the policy:

        • Room rent, Boarding, and Nursing charges up to a specific limit
        • ICU and ICCU charges up to a specific limit
        • Fee of Surgeon, Doctor, Anaesthetist, Consultants, Medical Practitioner, Specialist, etc.
        • Expenses related to blood, oxygen, anaesthesia, surgical appliances, OT expenses, etc.
        • Other expenses such as dental treatment arising from a disease or an injury, Cataract expenses up to a specific limit, plastic surgery because of a disease or an injury, road ambulance expenses up to a specific limit, and all daycare procedures

  • Can I change the sum insured amount under this policy?

    The sum insured amount can be increased or decreased under this policy only at the time of renewal.

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