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Difference Between SBI Arogya Plus And Aarogya Sanjeevani Health Insurance Policy

Updated On Feb 02, 2022

The SBI General Insurance Company was founded in 2010 as a joint venture between both the State Bank of India (SBI) and the Insurance Australia Group (IAG). The SBI Health Insurance Company provides a diverse range of general insurance products, including auto, health, personal injury, travel, and house insurance. For commercial customers, the company also offers non-life insurance products such as fire insurance, marine insurance, aviation insurance, and liability insurance, among others.

SBI Health Insurance provides full insurance coverage for the policyholder's hospitalisation expenditures. In-patient hospitalisation charges, pre- and post-hospitalization fees, day-care treatments, and a variety of additional healthcare expenses are covered by SBI medical insurance policies. SBI offers senior citizens, individual, corporate, and corporate group health insurance policies, all of which have a variable policy premium term. To know more about SBI health insurance policies, read on.

Difference Between SBI Arogya Plus And Aarogya Sanjeevani Health Insurance Policy

About SBI Arogya Plus Health Insurance Policy

SBI General Insurance Company's Arogya Plus Policy is a dependable medical insurance policy accessible to anybody who wishes to get coverage for themselves and/or their family members. You can cover yourself, your lawfully married spouse, and up to two children under the floater option. The insurance has a set premium, which keeps your wallet light while providing you with much-needed financial protection against medical expenditures incurred as a result of OPD or hospitalisation. This insurance, which comes with a Rs. 1 lakh , Rs. 2 lakh, and Rs. 3 lakh, amount as insured options covers a variety of healthcare costs, including in-patient hospitalisation, OPD expenses, pre-hospitalisation and post-hospitalisation expenses, daycare expenses, ambulance expenses, AYUSH treatment expenses, domiciliary hospitalisation expenses, maternity expenses, and so on.

If you are under 55 years old and have no medical history, you will not need to do any pre-policy medical tests to be insured under the policy. Another advantage of being insured here under the policy is that it has a lifetime renewability feature, which means you may renew it with the health insurance company's mutual permission. Other advantages include a quick, fair, and transparent claim procedure, a 30-day grace period, no departure age, and tax advantages on premium payments (under Section 80D of the Income Tax act, 1961). In other words, it relieves you of the burden of budgeting so that all you have to worry about is getting the finest treatment possible and getting back to health as quickly as possible.

About SBI Arogya Sanjeevani Health Insurance Policy

SBI General Insurance's Arogya Sanjeevani Policy is a comprehensive health insurance plan that provides financial protection in the event of a major sickness or accident that requires hospitalisation. On an Individual or Family floater basis, this medical insurance coverage provides financial stability to everyone between the ages of 18 and 65. This means you may purchase a single insurance to cover yourself, your spouse, dependent children, parents, and parents-in-law. This policy comes with a choice of sum insured choices ranging from Rs. 1 lakh to Rs. 5 lakh.

A benefit of purchasing this insurance is that policyholders do not need to have a health check-up until they are 45 years old if they do not have a pre-existing ailment. SBI Arogya Sanjeevani Policy offers benefits such as coverage for pre and post hospitalisation expenses, AYUSH treatment, ICU expenses, cataract treatment, costs of medicines consumed during your hospital stay, daycare treatment, and modern treatments such as Deep Brain Stimulation, Balloon Sinuplasty, Oral Chemotherapy, IntraVitreal Injections, Robotic Surgeries, immunotherapy- Monoclonal Antibody to be given as an injection, and immunotherapy- Monoclonal There are further tax incentives available under Section 80D of the Income Tax Act.


SBI Health Insurance Plans are ideal for providing comprehensive coverage for you and your family. By paying a little premium, SBI Health Insurance Plans safeguards your hard-earned funds from escalating medical expenditures.

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Disclaimer: This article is issued in the general public interest and meant for general information purposes only. Readers are advised not to rely on the contents of the article as conclusive in nature and should research further or consult an expert in this regard.

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