SBI Arogya Sanjeevani Health Insurance Wordings

The policyholders can enjoy the following discount on premium paid for this policy-

• Online discount of 10% discount
• Non-floater discount of 2.5% if two adults are covered, and 5% if more than 3 adults are covered
• SBI Group Employee Discount of 5%  

In case of planned hospitalisation, you must inform either the insurance company or the TPA within 48 hours of hospitalisation or before discharge whichever is earlier. Whereas in case of emergency hospitalisation, you must notify within 24 hours of hospitalisation or before discharge whichever is earlier. 

Yes. 5% co-payment is applicable for all admissible claims under this policy.  

Following in-patient hospitalisation expenses are covered under the policy:

    • Room rent, Boarding, and Nursing charges up to a specific limit
    • ICU and ICCU charges up to a specific limit
    • Fee of Surgeon, Doctor, Anaesthetist, Consultants, Medical Practitioner, Specialist, etc.
    • Expenses related to blood, oxygen, anaesthesia, surgical appliances, OT expenses, etc.
    • Other expenses such as dental treatment arising from a disease or an injury, Cataract expenses up to a specific limit, plastic surgery because of a disease or an injury, road ambulance expenses up to a specific limit, and all daycare procedures

The sum insured amount can be increased or decreased under this policy only at the time of renewal.