SBI General logo

Arogya Sanjeevani Policy

  • Individual
  • Family

Quotes for SBI General Arogya Sanjeevani

  OR age    years
* Name, Email Id & Mobile No. are required 

SBI General Arogya Sanjeevani Quotes for Family

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

Buy SBI General Arogya Sanjeevani for Family
Arogya Sanjeevani Policy’provides health insurance coverage for you and your family at an affordable premium. The policy is a simple, easy to understand product which provides all essential benefits needed in a health insurance policy.

Highlights of SBI General Arogya Sanjeevani

  • Affordable Policy:Highly beneficial and affordable health insurance policy
  • Flexible Policy:Policy can be taken on Individual and Floater basis
  • Day Care Procedures:All Day care Procedures covered
  • Ayush Cover:AYUSH Treatment covered
  • Modern Treatment Cover:Modern Treatments are covered – Upto 50% of the Sum Insured.
  • Policy Term:One year

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 Arogya Sanjeevani Policy benefits

  • Features
  • Coverages
  • Terms and conditions
  • How to buy
  • Claims
  • Cancellation
  • Exclusions

Key features of SBI General Arogya Sanjeevani Policy

Feature Description
Sum Assured Minimum Sum Assured is ₹ 1 Lac
Maximum Sum Assured is ₹ 5 Lacs
(Sum Assured can be opted for in multiples of ₹50,000)
Minimum & Maximum Entry Age for Principal Assured Adult
  • Minimum Entry Age is 18 years
  • Maximum Entry Age is 65 years
  • Minimum Entry Age is 3 months
  • Maximum Entry Age is 25 years
Policy Term 1 year
Policy Type Individual Plan / Family Floater Plan
Hospitalisation Benefit Limits
  • For hospitalization expenses like room, boarding, nursing expenses up to 2% of Sum Assured or a maximum of ₹5,000 per day.
  • ICU/ICCU expenses will also be provided up to 5% of sum assured or a maximum of ₹10,000 per day
  • Ambulance Charges upto ₹2,000 per hospitalisation
  • Sub-limits of cataract surgery are equal to actual expenses i.e. 25% sum assured or ₹4 lacs, whichever is lower.
Pre & Post Hospitalization Pre Hospitalization expenses upto – 30 days
Post Hospitalization expenses upto – 60 days
Initial Waiting Period 30 days waiting period. No claim will be paid in first 30 days after buying policy
Specific Waiting Period 24 months - Benign ENT disorders, Sinus, Cataract and age-related eye illnesses, Non-infective arthritis, tympanoplasty, Polyps, Gastric ulcer, Rheumatism, Gout, Tonsillectomy, Mastoidectomy, cysts, Spinal diseases except for accidental cases
48 months - Joint replacement treatment unless it is from an accident, Osteoporosis, etc
48 months - Pre-Existing Disease (pre-existing disease or medical condition)
Co-payment Co-pay fixed at 5% for all ages/sum insureds in this policy
AYUSH Treatment AYUSH treatments are covered
(AYUSH means all treatments related to Ayurvedic, Yoga, and Naturopathy, Unani, Siddha, Homeopathy)
NCB (No Claim Bonus) NCB (No Claim Bonus) of 5% for each year up to 50% of the sum assured is covered.
Other Policy Benefits
Family Members that can be covered under Floater Plan The policyholder can include dependents, such as their legally wedded spouse, parents, dependent children (including legally adopted children) and parents-in-law.
Note that any children who are above 18 yrs and financially independent will not be eligible for family floater coverage
Cashless Benefit Yes, Cashless Treatment is available under this policy at the respective insurance company’s Network Hospitals
Premium Payment Frequency Premiums can be paid on a Monthly, Quarterly, Half-yearly and Annual basis.
Renewability Lifetime Renewability available on this policy
Portability The policy offers the Portability option to other health insurance companies
Daycare Treatment It covers the expenses arising out of any day care treatment procedures
Specific Coverages under this Policy
Modern Treatment Methods
(Covered upto 50% of the Sum Insured)
  1. Uterine Artery Embolization and HIFU (High Intensity Focused Ultrasound)
  2. Balloon Sinuplasty
  3. Deep Brain Stimulation
  4. Oral Chemotherapy
  5. Immunotherapy – Monoclonal Antibody to be given as injection
  6. Intra Vitreal injections
  7. Robotic surgeries
  8. Stereotactic radio surgeries
  9. Bronchial Thermoplasty
  10. Vaporization of the prostrate (Green laser treatment or holmium laser treatment)
  11. IONM – (Intra Operative Neuro Monitoring)
  12. Stem Cell Therapy - Hematopoietic stem cells for bone marrow transplant for haematological conditions to be cover
Plastic Surgery and Dental Treatment Expenses The cost of any dental or plastic surgery treatment taken as a result of an illness or injury is covered under this policy

Expenses Covered under SBI General Arogya Sanjeevani Policy

  • Pre & Post Hospitalization Expenses
    This policy will cover all the pre-hospitalization expenses (upto 30 days) and post-hospitalization expenses (upto 60 days) following an emergency illness or accidental injury.
  • ICU Charges
    The Arogya Sanjeevani policy pays ICU/ICCU expenses be provided up to 5% of sum assured or a maximum of ₹10,000 per day.
  • Room Rent
    It covers the room rent of the hospital to up to a maximum of ₹5,000 per day.
  • Ambulance Services
    It covers the cost of ambulance services up to a maximum of ₹2000 per hospitalization.
  • Cataract Surgery
    It also covers the cost of cataract surgery upto a maximum of ₹40,000 or 25% of the sum insured amount, whichever is less for each eye.
  • Coronavirus (COID-19) Expenses
    It covers any expenses incurred on hospitalization/treatment due to contracting COVID-19 or coronavirus disease.
  • AYUSH Treatment
    AYUSH treatments are covered at recognised medical centres. (AYUSH means all treatments related to Ayurvedic, Yoga, and Naturopathy, Unani, Siddha, Homeopathy).
  • New Age/ Modern Treatment
    This policy also covers the cost of modern/ new age treatment up to a maximum of 50% of the sum insured amount. The list of illnesses are in the table above.

Terms and Conditions of SBI General Arogya Sanjeevani Policy

  • Sum Assured
    This policy offers the multiple sum assured options from ₹1 lac to ₹5 lacs in the multiple of ₹50,000. The sum assured is available on both individual and family floater basis.
  • Policy Duration
    This policy scheme offers policy term option of one year and is renewable on a lifetime basis.
  • Co-payment
    For insureds of all age categories and sum insureds, this policy offers a standard co-payment option of 5% of the incurred claims amount payable at the time of settlement.
  • Cumulative Bonus
    Arogya Sanjeevani policy also provides a bonus of 5% on the total sum insured amount for every claim-free year that is passed by the insured, and this is accumulated upto a maximum of 50% of the sum insured as a bonus.
  • Frequency of Premium Payment
    The premium for this policy can be paid on a monthly, half-yearly, quarterly, and annual basis.
  • Portability
    Arogya Sanjeevani policy is easily portable from one insurance company depending on the requirements of the insured.
  • Grace Period
    For annual premium payment, 30 days grace period is allowed and for other modes (monthly, quarterly, half yearly) of premium payment 15 days grace period is allowed.
  • Free Look Period
    The policy has a Free Look period of 15 days, within which the insure can cancel the policy and expect a full refund.

How can one buy the SBI General Arogya Sanjeevani Policy?

Perhaps the easiest way to purchase a Arogya Sanjeevani health insurance policy will be online because the IRDAI has allowed insurance companies to issue the Arogya Sanjeevani electronically to the policyholders. This means that the insurance company can only share a online pdf document as an insurance policy to the insured unlike all other insurance plans currently in the Indian market. The simple process to be followed is:
  • Go online to a comparison website like eindiainsurance
  • Compare the quotes across all the insurance companies – Importantly since all insurance companies, will be offering exactly the same set of benefits for this plan, the individual can compare the premiums and also review the financial parameters of the insurance company while making a final decision
  • Fill up the Arogya Sanjeevani proposal form of the respective insurance company
  • Make a payment directly online through the payment gateway and then the policy will get issued by the respective insurance company

Moreover, the IRDAI has also directed all health insurance companies to provide a certificate of insurance to each policyholder for the benefits, terms and conditions of their Arogya Sanjeevani policy.

Claims Settlement Process for SBI General Insurance

SBI General Insurance Company Limited
For Travel Claims (while Abroad)
  • Call at
    • International toll free for US 844-691-8884 and Canada: 844-691-8882
    • For rest of the world: SBI Hotline: +91 11 45735511 (with Call Back Facility)
  • Fax at: +91 11 45070617
  • Email:

For Travel & Health Claims (in India)
  • Call at: Toll free number 1800 22 1111
  • SMS at: "CLAIM" to 561612
  • Email at: and get your claim number / reference number.
  • Write at: "Natraj"301, Junction of Western Express Highway & Andheri Kurla - Road,
    Andheri (East), Mumbai - 400 069

Policy Cancellation and Refunds

The insured can cancel the policy at anytime during the policy year, subject to following refund options:
Time of Cancellation % of Premium Refund
Free Look Period 100% refund
30 days 75% refund
31 days – 3 months 50% refund
3 months – 6 months 25% refund
> 6 months NIL Refund

Exclusions under the SBI General Arogya Sanjeevani Health Insurance Plan

The Arogya Sanjeevani health insurance policy excludes the following treatments:
  • Maternity Expenses - Cost of treatment related to pregnancy and child birth
  • Domiciliary hospitalization - Domiciliary hospitalization expenses
  • Outpatient Treatment – Policy covers only expenses incurred during Inpatient treatment (atleast 24 hours hospitalisation)
  • Adventure/ Hazardous Sports – Active Participation in a hazardous activities including scuba diving, rock climbing, sky diving, parasailing, deep-sea diving, mountaineering, etc, as a professional
  • Cosmetic or Plastic Surgery – Unnecessary expenses for cosmetic/plastic surgery following an accident, burn injury, other medically necessary treatment
  • Diagnostic or Investigative Tests - Diagnostic or Investigative tests done by the insured which are elective in nature
  • Alcohol/ Drug addiction- Treatment following addiction of alcohol or drug/substance abuse
  • Bed Rest or Rehabilitation Expenses
  • Expenses for Treatment of Sterility or Infertility
  • Claims due to a Nuclear Attack or War/ War-like situation
  • Expenses incurred for Weight Control/ Obesity Treatment
  • Any Treatment received by the insured outside the boundaries of India
  • Expenses relating to surgery or treatment of Gender change
Please review the Terms & Conditions/Policy Wordings for the complete list of exclusions under the Arogya Sanjeevani policy.

SBI General Health Insurance FAQ’s

Under cashless hospitalization, the insured person does not settle the hospitalization expenses at the time of discharge from hospital. The settlement is done directly by us for treatment that the insured person is eligible to receive under the terms of his/her policy. This is for your convenience. However, it is important to note here that prior approval is required from us before admission into the hospital. In some cases, you may have to pay for all or part of the treatment if it is not fully covered under the terms of the policy. However, in case of emergency hospitalization, you can obtain approval post-admission. Please note that the cashless facility is available only at our Network Hospitals.

SBI General has an extensive network of 6000+ network hospitals across India growing steadily over the years. One must get admitted to a network hospital in order to avail cashless treatment for their illness. One can get the hospital closest to them by going through the SBI General network hospital list available on SBI General Health Insurance

There is no upper limit on the number of claims during the policy period. However, the total cumulative claim amount cannot exceed the Policy Sum Insured.

A pre-existing disease is any condition, ailment or injury or related condition(s), for which the insured person had signs or symptoms, and /or were diagnosed, and / or received medical advice / treatment within 36/48 months prior to 1st health insurance policy issued by Us under which the insured person was covered.

In case of hospitalisation due to accident, your remaining Sum insured will become 125%, subject to maximum of INR 1,00,000/-


Review SBI General Arogya Sanjeevani Policy insurance brochure to understand coverage details.

Know more »

Proposal form

Fill the online SBI General Arogya Sanjeevani Policy insurance proposal form.

Know more »

Policy wordings

Review SBI General Arogya Sanjeevani Policy insurance policy wordings which explains the terms and conditions.

Know more »

Get quotes for SBI General Critical Illnes Policy insurance!

Review and compare the best health insurance.
Compare health insurance quotes
Find the best SBI General Critical Illnes Policy insurance

SBI General health insurance useful links

How to buy online?

You can buy insurance online by using a credit/debit card, direct funds transfer using NEFT or RTGS or by using a cheque

Know more »

Network hospitals

SBI General Network hospitals list. Cashless & Hassle-free direct claim settlement with us at 6,000+ Hospitals

Know more »

Compare health plans

Compare Indian health insurance policies, Health insurance India comparison

Know more »

Health insurance benefits

Insurance customers can quickly compare the details of benefits offered under Indian mediclaim insurance policies.

Know more »


Portability Information for Mediclaim Insurance in India

Know more »

Health insurance FAQ

FAQ related to Indian health insurance. Get answers for any health insurance questions

Know more »

Search for SBI General health insurance

Health Insurance Priority

India health insurance blogs and articles

Tips for buying best mediclaim insurance

India health insurance tips and tricks to choose the best medical insurance in India Click here to read more

Top reasons for health insurance claims rejection

Find out the different reasons why a medical insurance claim is rejected, Cashless hospitalization, Reimbursement. Click here to read more

India health insurance coverage, factors and premium calculator

Factors for medical insurance in India, How much is the premium and the coverage offered by India health insurance plans..Click here to read more

Resourceful Indian health insurance links

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