How does the waiting period affect my coverage?

The plan has a 30-day initial waiting period and specific waiting periods for pre-existing diseases and certain treatments, ensuring fairness.

What if I don’t use my health insurance benefits for the entire year?

If no claims are made, a No-Claim Bonus increases the sum insured, enhancing future coverage without additional premium costs.

Does the Arogya Sanjeevani Plan cover treatment abroad?

No, the plan only provides coverage for medical treatments within India and does not include international treatment expenses.

OneAssure

Health Insurance

SBI

Arogya Sajeevani Policy

SBI Arogya Sanjeevani

Experience India's most trusted health insurance with SBI Health Insurance. Get instant cashless treatment at 20000 network hospitals with sum insured up to ₹50 lakhs.

97

Claim Settlement Ratio

20000

Network Hospitals

8

Customer Rating

Get a Quote

97

Claim Settlement Ratio

20000

Network Hospitals

8

Customer Rating

Our Verdict

Expert Review: SBI Health Insurance

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Final Verdict

SBI Arogya Sanjeevani is a budget-friendly plan covering essential treatments, making it ideal for individuals and families seeking basic health protection. However, its low sum insured and sub-limits may not suit those needing extensive coverage.

About

About SBI Health Insurance

SBI Arogya Sanjeevani is a comprehensive health insurance plan designed to provide financial protection against medical expenses. It covers hospitalization costs, pre-and post-hospitalization expenses, daycare treatments, and AYUSH treatments. The plan includes a flexible sum insured, ensuring affordability for individuals and families. It also offers coverage for modern treatments and emergency ambulance services. With no room rent capping except for ICU, policyholders have access to quality healthcare without financial strain. SBI Arogya Sanjeevani ensures essential health coverage with budget-friendly premiums.

SBI Arogya Sanjeevani is a comprehensive health insurance plan designed to provide financial protection against medical expenses. It covers hospitalization costs, pre-and post-hospitalization expenses, daycare treatments, and AYUSH treatments. The plan includes a flexible sum insured, ensuring affordability for individuals and families. It also offers coverage for modern treatments and emergency ambulance services. With no room rent capping except for ICU, policyholders have access to quality healthcare without financial strain. SBI Arogya Sanjeevani ensures essential...

Inclusions and Exclusions

Inclusions and Exclusions of SBI Insurance Company Limited

Room Rent

Room Rent Limit: Capped at 2% of the sum insured per day, up to a maximum of ₹5,000 per day.
ICU Limit: Capped at 5% of the sum insured per day, up to a maximum of ₹10,000 per day.

Advanced Treatments

Robotic surgeries, stem cell therapy, balloon sinuplasty, deep brain stimulation, oral chemotherapy, immunotherapy, cochlear implants, and IONM enhance precision, recovery, and treatment for neurological, cancer, and hearing conditions.

Co-payment

The SBI Arogya Sanjeevani Plan has a co-payment clause of 5% on all claims. This means that the policyholder must pay 5% of the total approved claim amount, while the insurer covers the remaining 95%.

Waiting Period

Initial Waiting Period: 30 days from policy inception, excluding accidents.
Specific Illnesses: A 2-year waiting period applies to certain specified diseases.
Pre-existing Diseases: Coverage begins after a 3-year waiting period.
Hypertension, Diabetes, and Cardiac Conditions: A 90-day waiting period applies if these are not pre-existing at policy purchase.

Cashless Healthcare Providers

Access to 16,881 network hospitals.

Daycare Treatment

Medical procedures requiring less than 24-hour hospitalization are covered up to the Sum Insured, as per the indicative daycare list.

AYUSH Treatment

Expenses for alternative treatments, including Ayurveda, Yoga, Unani, Siddha, and Homeopathy, are covered up to the Sum Insured.

Room Rent

Room Rent Limit: Capped at 2% of the sum insured per day, up to a maximum of ₹5,000 per day.
ICU Limit: Capped at 5% of the sum insured per day, up to a maximum of ₹10,000 per day.

Advanced Treatments

Robotic surgeries, stem cell therapy, balloon sinuplasty, deep brain stimulation, oral chemotherapy, immunotherapy, cochlear implants, and IONM enhance precision, recovery, and treatment for neurological, cancer, and hearing conditions.

Co-payment

The SBI Arogya Sanjeevani Plan has a co-payment clause of 5% on all claims. This means that the policyholder must pay 5% of the total approved claim amount, while the insurer covers the remaining 95%.

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Exclusions

Pre-existing diseases are not covered during the initial waiting period of 48 months.
Medical expenses incurred during the first 30 days from policy inception, except for accidental injuries.
Treatment for self-inflicted injuries, suicide attempts, or substance abuse-related conditions.
Cosmetic or plastic surgery unless required due to an accident or medically necessary.
Expenses related to dental treatment, unless due to an accident.
Infertility treatments, assisted reproductive techniques, and related procedures.
Treatment for congenital diseases or genetic disorders.
Injuries or illnesses resulting from participation in hazardous activities or adventure sports.

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About the company

SBI Hеalth Insurancе is onе of India’s most rеliablе and customеr-focusеd hеalth insurancе providеrs, dеdicatеd to еnsuring complеtе financial sеcurity during mеdical еmеrgеnciеs. Thе company strivеs to makе quality hеalthcarе accеssiblе through its widе rangе of affordablе and comprеhеnsivе plans.
SBI Hеalth offеrs divеrsе policy options dеsignеd for individuals, familiеs, sеnior citizеns, and corporatе еmployееs. Each plan providеs covеragе for hospitalisation costs, surgеriеs, daycarе procеdurеs, and prе and post-hospitalisation еxpеnsеs. In addition, thе insurеr еxtеnds global covеragе, prеvеntivе wеllnеss bеnеfits, and top-up options to strеngthеn protеction according to variеd hеalthcarе nееds.

SBI Hеalth Insurancе is onе of India’s most rеliablе and customеr-focusеd hеalth insurancе providеrs, dеdicatеd to еnsuring complеtе financial sеcurity during mеdical еmеrgеnciеs. Thе company strivеs to makе quality hеalthcarе accеssiblе through its widе rangе of affordablе and comprеhеnsivе plans. SBI Hеalth offеrs divеrsе policy options dеsignеd for individuals, familiеs, sеnior citizеns, and corporatе еmployееs. Each plan providеs covеragе for hospitalisation costs, surgеriеs, daycarе procеdurеs, and prе and post-hospitalisation еxpеnsеs. In addition, thе insurеr еxtеnds...