SBI Arogya Sanjeevani Health Insurance
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Claim Settlement | Dedicated Team |
Claim Settlement Ratio | 66.08% |
COVID-19 Cover | Yes |
Network Hospitals | 6,000+ |
Policies Sold | 7,56,443 |
Renewability | Lifelong |
About SBI Arogya Sanjeevani Health Insurance
Arogya Sanjeevani Policy offered by SBI General Insurance is a comprehensive health insurance policy that offers financial protection in case of any serious illness or accident that results in hospitalisation. This medical insurance policy provides financial security to any individual who is aged between 18 years and 65 years old on an Individual or Family floater basis. This means you can buy this policy to cover self, spouse, dependent children, parents, and parents-in-law under a single policy. This policy is available at the sum insured options, ranging from Rs. 1 Lakh to Rs. 5 Lakh.
A plus point in buying this policy is that the policyholders need not undergo any health check-up up to 45 years of age if there is no pre-existing disease. SBI Arogya Sanjeevani Policy comes at an affordable premium and gives the benefits like coverage for pre and post hospitalisation expenses, AYUSH treatment, ICU expenses, cataract treatment, costs of medicines that you consume during the stay at the hospital, daycare treatment, and modern treatment like Deep Brain Stimulation, Balloon Sinuplasty, Oral Chemotherapy, Intra Vitreal Injections, Robotic Surgeries, immunotherapy- Monoclonal Antibody to be given as an injection, Stereotactic Radio Surgeries. Tax benefits under Section 80D of the Income Tax Act can also be availed.
Read more: Arogya Sanjeevani Policy
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Key Inclusions and Exclusions of the Plan
What's Included
- Cataract treatment expenses subject to a specific limit
- Nursing expenses, operation theatre, and ICU expenses
- Pre-hospitalisation expenses up to 30 days
- AYUSH treatments
- Pre and post hospitalisation for 30 days and 60 days
- Dental treatment & plastic surgery due to a disease/injury
What's Not Included
- Treatment for drugs, alcoholism, or any addictive condition
- Expenses related to any unproven treatments are not covered
- Expenses traceable to childbirth except ectopic pregnancy
- Cosmetic/plastic surgery unless due to illness/injury
- Expenses on OPD and domiciliary treatment
- Treatments related to change of gender
17100 SBI Cashless Network Hospitals in India
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Claim Process at SBI Health Insurance
FAQs on Arogya Sanjeevani Policy Health Insurance Plan
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What is the minimum and maximum entry age under this policy?
The minimum and maximum entry age under this plan is 3 months and 65 years respectively.
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What is the policy term?
Arogya Sanjeevani Policy, SBI General is an annual policy. It has to be renewed every year.
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Is there any waiting period under the policy?
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
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Can the waiting period under this policy be waived off in any case?
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.