Comprehensive Health Insurance With Affordable Premium!
24Cr+
Customers Served
16,625
Network Hospitals
98% *
Claims Settled FY 23-24
What Is Arogya Sanjeevani Insurance?
Looking for a reliable health insurance plan? Arogya Sanjeevani offers comprehensive coverage for hospitalisation, including pre and post-hospitalization expenses. It covers modern treatments like robotic surgeries and oral chemotherapy up to 50% of the sum insured.
AYUSH treatments (Ayurveda, Yoga, Naturopathy, Unani, Siddha, and Homeopathy) are also included. With a no-claim bonus of 5% for each claim-free year, you can earn up to 50% of the sum insured. This policy ensures you and your family are protected against unexpected medical expenses.
Key Benefits of Arogya Sanjeevani Policy, SBI General Insurance Company Limited
| SBI General Key Features | Benefits |
|---|---|
| Sum Insured | Rs. 50,000 and Rs. 10,00,000 |
| Entry age | 18 years to 65 years |
| Waiting period | Pre-existing diseases: 36 months, Initial waiting period: 30 days, except for accidents, Specific illnesses: 24/36months |
| Freelook period without cancellation | 30 days from the date of receipt of policy document |
| Tax benefits | Premiums paid up to Rs. 25,000 are exempted from tax under Section 80D |
| Health check-ups | Not required for people up to 45 years with no medical history |
| Lifetime renewability | Lifelong |
| No Claim Bonus (NCB) | 5% increase on the sum insured for each claim-free year (subject to a maximum of 50% of sum insured) |
| Hospital network | Over 16,625* hospitals across India |
(*Please ensure you read the policy terms and conditions in detail before buying your plan.)
It’s time to consider purchasing a health insurance plan! Tailor your Plan as per your Need!
Get Secured Now! 
What’s Covered Under Arogya Sanjeevani Policy, SBI General Insurance Company Limited?
In-Patient Hospitalisation
Covers expenses for hospital stays over 24 hours, including room rent, ICU charges, medical fees, nursing, and other related costs during hospitalisation. This ensures comprehensive financial support during hospital stays.
Pre-Hospitalization
Covers medical expenses incurred up to 30 days before hospital admission, including consultations, diagnostic tests, and medications prescribed.. This helps manage costs associated with the initial phase of treatment.
Post-Hospitalization
Covers medical expenses incurred up to 60 days after discharge from the hospital, including follow-up consultations, diagnostic tests, and prescribed medications. This ensures continued care and recovery support.
Day Care Procedures
Covers treatments that require less than 24 hours of hospitalisation due to advanced medical technology, such as cataract surgery, chemotherapy, and dialysis. This allows for efficient and cost-effective treatment options.
AYUSH Treatments
Includes coverage for treatments under Ayurveda, Yoga, Naturopathy, Unani, Siddha, and Homeopathy, ensuring a holistic approach to healthcare. This provides alternative treatment options alongside conventional medicine.
Modern Treatments
Covers advanced treatments like chemotherapy, robotic surgeries, and stem cell therapy, up to 50% of sum insured, providing access to medical care. This ensures you receive the most effective treatments.
Emergency Ambulance
Covers ambulance charges up to ₹2000 per hospitalisation for emergency transportation to the nearest hospital, ensuring timely medical attention. This helps manage the costs of urgent medical transport.
Disclaimer: The terms and conditions of these covers are mentioned in the policy wordings of SBI Arogya Sanjeevani policy. People are advised to go through the policy wordings carefully before buying the plan.
What’s Not Covered Under Arogya Sanjeevani Policy, SBI General Insurance Company Limited?
Pre-existing diseases from inception of the policy up to 3 years of this policy being in force continuously- Treatment taken outside India
- Admission primarily for investigation & evaluation
- Admission primarily for rest cure, rehabilitation and respite care
- Expenses related to surgical treatment of obesity that do not fulfil certain conditions
- Change-of-Gender treatments
- Expenses for cosmetic surgery
Disclaimer: The above list of exclusions is illustrative and not exhaustive. For a full list of the exclusions, please refer to policy wordings.
How To Buy Arogya Sanjeevani Insurance Online?
Input your mobile number, name, and pin code, and click ‘Proceed.’
1
Select insured members, choose a plan, select the sum insured, and needed coverages.
2
Input all the details, such as proposer details, EIA, nominee details, etc.
3
You can pay online and get your policy right away in your inbox.
4
Check out 8 helpful Tips to help you in choosing the Right Health Insurance!
Check Out!How to File Your Health Insurance Claim?
Cashless Facility Procedure
Visit the nearest SBIG network hospital to avail cashless facility. Present your SBIG health card at the insurance desk in the network hospital.
Pre- Authorization Process
The network hospital will verify your identity and submit a duly filled pre-authorization form, along with relevant documents, to SBI General Insurance.
Cashless Treatment Admission
Upon approval, you can get admitted and avail cashless treatment as per your policy coverage.
Claim Settlement
After discharge, the hospital will send your claim documents to SBI General’s office for settlement of hospitalization expenses.
Hospital Discharge Guidelines
Upon discharge from the hospital, it is essential to settle your account and collect all original records of the procedures undergone, along with cost incurred.
Health Claim Submission
Download the SBIG health claim form, fill the form, and submit it with the required documents from the checklist.
Document Submission
Send original claim documents to the Health Vertical Office at the provided address. SBI General Insurance Company Limited, 9th Floor, Westport, Pan Card Club Road, Baner, Pune, Maharashtra - 411 045. Office Timings: 9:30 AM - 5:30 PM (Mon-Fri)
Claim Settlement
SBIG will review submitted documents, and claim processing will occur subject to policy terms and conditions.
FAQs about Arogya Sanjeevani
A multi-individual/ family non-floater plan has no restrictions on number of individuals that can be covered under one policy, provided the individuals covered are as per the allowed relationships i.e. self, spouse, parents and parents-in-law and dependent children.
Yes, expenses related to day care procedures are covered under AYUSH
Yes, External Congenital Anomaly is covered in Arogya Sanjeevani Policy. However, it would normally be treated as a pre-existing disease, and therefore a waiting period of 48 months will apply.
Yes, they can be covered in a single policy under multi-individual/ family non-floater plan. However, under family floater policy either parents or parents-in-law can be covered. Note - 1 parent / 1 parent-in-law is not allowed as a combination in Family Floater.
If the line of treatment taken conform to the professional standards widely accepted in international medical practice or by the medical community in India, it will be covered provided to claim admissibility.
Yes – Cataract and Advanced Medical treatment have sub limits as specified in the policy wordings.
Yes, cost of harvesting will be covered under the policy.
Product Name : Arogya Sanjeevani Policy, SBI General Insurance Company Limited
Product UIN
SBIHLIP20180V011920
Disclaimer:
For more details on the risk factor, terms and conditions, please refer to the Sales Brochure and Policy Wordings carefully before concluding a sale.
#Starting ₹375/Month for 1 Adult (Aged 19-35 years) for Sum Insured of 5 lacs for policy tenure of 1 year. Premium rates are exclusive of GST, loading and discounts.
Tax Benefits are subject to change in Tax Laws
SBI General Insurance and SBI are separate legal entities and SBI is working as Corporate Agent of the company for sourcing of insurance products.
*T&C Apply
Policy Documents
Access and manage all your Insurance Needs in one place, right at your Fingertips.
4/5*
Vision
Our vision is to become the most trusted general insurer for a transforming India.
Mission
Our mission is to provide simple and innovative general insurance solutions, be responsive to our customers' needs and build a sustainable business for the future.
We're socially active!
