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SBI Arogya Plus Policy

  • Individual
  • Family

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SBI Arogya Plus Policy Insurance Family health insurance plans provide coverage for the entire family within the scope of a single health plan. find quotes, compare & buy SBI Arogya Plus Policy Health Insurance Quotes for Family

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Smart Super Health Insurance Key Features

The Arogya Plus Policy of SBI General provides financial protection against rising OPD medical expenditure and hospitalization. It enables you to concentrate on your treatment by taking better care of medical expenses. Arogya Plus policy is avalaible for Individual & Family Floater options.

SBI General SBI Arogya Plus Policy - eligibility

  • Minimum Entry age is 3 months
  • Maximum Entry Age is 65 years

SBI General Health Insurance Review

SBI General Health Insurance
SBI General Health Insurance sum insured
1 lac − 30 lacs options available
Incurred Claims Ratio *
SBI General Health Insurance tenure options
1 and 3 years options available
Claims Settlement Ratio **
List of network hospitals
6,000+ hospitals
Number of policies issued *
Maximum family floater coverage
Self, Spouse + 2 dependent children (upto age of 23 yrs)
Number of lives covered *
* As per IRDAI report for 2020-21   |   ** As per NL25 data published on the Insurance Company website

SBI General insurance of Arogya Plus Policy overview

  • Key Features
  • Benefits
  • Exclusions

Key Features of SBI Arogya Plus Policy

  • Room Rent:Payable at Actuals upto Sum Insured
  • Co-pay:NIL co-pay for all treatment
  • Restoration Benefit:Restoration benefit available upto 100% of Base SI
Sum Insured The plan provides coverage from Rs. 1 lac, Rs. 2 Lac and Rs. 3 Lac
Premium The premium for this product is flat Rs. 8,900, Rs. 13,350 or Rs. 17,800 per annum respectively for a sum Insured of 1, 2 or 3 lakhs.
Policy Term 1, 2 and 3 years.
In-patient hospitalisation The plan covers hospitalization: Room rent & boarding expenses, Medical practitioners fees, Intensive care unit, Nursing expenses, Anesthesia, blood, oxygen, operation theatre expenses, surgical appliances, medicines & consumables, diagnostic expenses and x-ray, dialysis, chemotherapy, radiotherapy, cost of pacemaker, prosthesis/internal implants and any medical expenses incurred which is integral part of the operation, Physiotherapy as inpatient care and being part of the treatment, Drugs, medicines and consumables consumed during hospitalization period, Diagnostic procedures, Dressing, ordinary splints and plaster casts, OPD treatment: - expenses for OPD consultation and treatment up to limit specified.
Pre-hospitalisation The plan provides 60 days coverage for pre-hospitalization
Post-hospitalization The plan provides 90 days coverage for post-hospitalization
Ambulance Cover This plan covers ambulance expenses up to Rs. 1500
Alternative treatment Alternative treatment taken in a government hospital or in any institute recognized by government and/or accredited by quality council of India/national accreditation board on health.

Benefits of SBI Arogya Plus Policy

  • Coverage from Rs. 1 lac, Rs. 2 Lac and Rs. 3 Lac
  • No pre-medical test for people without medical history up to the age of 55.
  • 142 day care expenses covered.
  • Expenditure on maternity covered up to the OPD limit.
  • Save tax in accordance with Section 80D.

Exclusions of Sbi Arogya Plus Policy

  • Waiting Period: 30 days from first inception of the health insurance policy.
  • Time bound Exclusions: Pre-existing diseases covered after first 4 years of coverage, Specified diseases or conditions covered after one year of coverage. First 9 months exclusion for Maternity expenses.
  • Treatment taken outside India.
  • Injury/disease directly or indirectly caused or contributed due to nuclear weapons/materials.
  • War, invasion, acts of foreign enemy, hostilities, etc.
  • Epidemic disease recognized by WHO or Indian government.
  • Intentional self injury or violation of any law.
  • Cosmetic or aesthetic treatments of any description, lasik treatment for refractive error. Any form of plastic surgery (unless necessary for the treatment of illness or accidental bodily injury).
  • Treatment for de-addiction from drug or alcohol or other substance.
  • Any condition directly or indirectly caused by or associated with human immunodeficiency virus or variant/mutant viruses and or any syndrome or condition of a similar kind commonly referred to as AIDS.
  • Vaccination or inoculation except as part of post-bite treatment for animal bite.
  • Treatment for any mental illness or psychiatric or psychological ailment / condition.
  • Genetic disorders and stem cell implantation / surgery / storage.
  • Treatments in health hydro, spas, nature care clinics and the like.
  • Experimental and unproven treatment.
  • Disease / illness or injury whilst performing duties as a serving member of a military or police force.

SBI General Health Insurance FAQ’s

The duration only after which a claim can be made is called the waiting period.

Sum Insured is the maximum amount that an insurance company will pay to the insured, according to the insurance contract, in the event of a claim.

A medical checkup may be necessary when you sign up for a new health insurance policy. However, medical checkups are not usually needed for renewal of policies. It is in your best interests to undergo a medical check-up at the time of enrollment so that when you need us, we‘re there to provide speedy and efficient support and faster settlement of claims.

The premium paid on a health insurance policy is eligible for deduction under Section 80D of the Income Tax Act. So save with your policy now!

No, it is not possible to revise the sum insured during the policy period, the same can be carried out at the time of renewal of the policy.


Review SBI General Arogya Arogya Plus insurance brochure to understand coverage details.

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CIN: U66000KA2018PTC117713 | IRDAI Web aggregator License Code Number: IRDAI / INT / WBA /53/ 2018, Valid till 07/08/2025