Question 1

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

Accepted Answer

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

Question 2

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

Accepted Answer

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

Question 3

What is the policy term?

Accepted Answer

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

Question 4

Is there any waiting period under the policy?

Accepted Answer

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

Question 5

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

Accepted Answer

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.

Question 6

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

Accepted Answer

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%

Question 7

What is the notification period for planned or emergency hospitalisation?

Accepted Answer

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.

Question 8

Is there any co-payment clause under this policy?

Accepted Answer

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

Question 9

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

Accepted Answer

Following in-patient hospitalisation expenses are covered under the policy:          &bull; Room rent, Boarding, and Nursing charges up to a specific limit       &bull; ICU and ICCU charges up to a specific limit       &bull; Fee of Surgeon, Doctor, Anaesthetist, Consultants, Medical Practitioner, Specialist, etc.       &bull; Expenses related to blood, oxygen, anaesthesia, surgical appliances, OT expenses, etc.       &bull; 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

Question 10

Can I change the sum insured amount under this policy?

Accepted Answer

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

Claim Settlement	Dedicated Team
Claim Settlement Ratio	66.08%
COVID-19 Cover	Yes
Network Hospitals	6,000+
Policies Sold	7,56,443
Renewability	Lifelong

Name of Plan	Sum Insured
Arogya Premier PolicyMin: 3 Months; Max: 65 YearsPopular	10 Lakh	Check Premium
Arogya Plus PolicyMin: 3 Months; Max: 65 YearsPopular	1 Lakh	Check Premium
Critical Illness Insurance PolicyMin: 18 Years; Max: 65 Years	2 Lakh	Check Premium
Hospital Daily CashMin: 90 Days; Max: 65 Years	500/day	Check Premium
Health Insurance Policy-RetailMin: 3 Months; Max: 65 Years	50 Thousand	Check Premium
Arogya Sanjeevani PolicyMin: 3 months; Max: 65 years	1 Lakh - 5 Lakh	Check Premium
Corona Kavach PolicyMin: 1 Day; Max; 65 Years	50,000 - 5 lakh	Check Premium
Corona Rakshak PolicyMin: 91 days; Max: 65 years	50000 - 2.5 Lakh	Check Premium

Name of Plan	Sum Insured
Arogya Top up PolicyMin: 3 Months; Max: 65 Years	1 Lakh	Check Premium

SBI Arogya Sanjeevani Health Insurance Wordings

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FAQs on Arogya Sanjeevani Policy Health Insurance Plan

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

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

What is the policy term?

Is there any waiting period under the policy?

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

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