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.

Is there a mandatory cost-sharing requirement enforced on all standard claims processed under this policy?

Yes, the policy enforces a standardized, mandatory 5% co-payment structure on all admissible claims, requiring the insured individual to bear that specific financial percentage layout out of pocket while the insurer covers the remaining 95%.

What financial rewards accrue to policyholders who maintain continuous coverage periods without making a claim?

The plan rewards policyholders by applying a designated cumulative bonus at the end of each claim-free year, effectively increasing your available protection limits layout upon consecutive policy renewals.

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 9000 network hospitals with sum insured up to ₹50 lakhs.

97%

Claim Settlement Ratio

9000+

Network Hospitals

8

Customer Rating

Policy Brochure

Get a Quote

97%

Claim Settlement Ratio

9000+

Network Hospitals

8

Customer Rating

Policy Brochure

Our Verdict

Expert Review: SBI Arogya Sajeevani Policy

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 Arogya Sajeevani Policy

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...

Policy Ratings

Ratings: SBI Policy

Insurer Rating

8.91

out of 10

Insurance Rating

0

out of 10

No Room Rent Limit

No

Consumables Covered

No

No Co-payment

No

Loyalty Bonus >= 500%

No

No Disease Sublimits

No

Unlimited Restoration

No

Additional Benefits (Informational Only — Not part of score)

PED Waiting <= 2 Years

No

Maternity Available

No

Waiting Period Waiver

No

Testimonials

Real People. Real Relief

These are the moments that show what we really do. We don't sell you a policy. We stand by you when it matters most.

I want to sincerely thank Sunad for being there for me throughout the entire claim process. He helped me through so many ups and downs, always patient and ready to support when things got tough. I honestly don’t know how I would have managed without his guidance and encouragement. Sunad made a difficult situation feel a lot less stressful, and I’m truly grateful for his kindness and steadfast help.

Prashant Pandey

Mumbai, Maharashtra

Had a great experience with them during a difficult time. After my mother’s accident, we had to pay the hospital bill upfront, as cashless wasn’t available. They guided us through the reimbursement process, helped file the claim, and consistently followed up with the insurer until it was settled. Their support with the post-hospitalization claim was equally prompt and thorough.

Jatin Gala

Mumbai, Maharashtra

My heartfelt thanks to the OneAssure team for making my insurance claim process effortless. Right from the very first interaction, they demonstrated professionalism, clear communication, and an impressive command of the procedures involved. Their swift updates, timely guidance, and persistent follow-through removed all the stress from what could have been a complicated experience.

Anju Renjith

Bengaluru, Karnataka

I am truly grateful for the support and guidance I received in settling my insurance claim. The entire process was handled with great professionalism, clarity, and efficiency. Their prompt response, deep knowledge of the procedures, and consistent follow-ups ensured a smooth and hassle-free experience.Thank you once again for your invaluable help, highly recommended!

Yogesh Meena

Jaipur, Rajasthan

I recently had the pleasure of purchasing health insurance for my parents through this company, and my experience has been exceptional...The team was incredibly patient and took the time to explain every detail to me. No matter how many times I asked questions, they were always calm and thorough in their explanations. Their professionalism and dedication made a significant difference in helping me make an informed decision.

Akash Kumar

West Bengal

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Inclusions and Exclusions

Inclusions and Exclusions of SBI Arogya Sajeevani Policy

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%.

Cashless Healthcare Providers

Access to 16,881 network hospitals.

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.

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%.

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.

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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...