Sbi Arogya Sanjeevani Plan
SBI General Insurance Company Limited
Highlighted Features
Room Rent (Normal & ICU)
Room rent capped at 2% of the sum insured and ICU capped at 5% of the sum insured.
Advanced Treatments
Includes modern procedures like robotic surgeries, stem cell therapy, and oral chemotherapy, covering stem cell therapy up to 25% sum insured.
Brochure
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Our Verdict
SBI Arogya Sanjeevani is a budget-friendly plan covering essential treatments, making it ideal for individuals and families seeking basic health protection. However, its low sum insured and sub-limits may not suit those needing extensive coverage.
About the Plan
SBI Arogya Sanjeevani is a comprehensive health insurance plan designed to provide financial protection against medical expenses. It covers hospitalization costs, pre-and post-hospitalization expenses, daycare treatments, and AYUSH treatments. The plan includes a flexible sum insured, ensuring affordability for individuals and families. It also offers coverage for modern treatments and emergency ambulance services. With no room rent capping except for ICU, policyholders have access to quality healthcare without financial strain. SBI Arogya Sanjeevani ensures essential health coverage with budget-friendly premiums.
About the Plan
Features of the Product
Room Rent (Normal & ICU)
Room Rent Limit: Capped at 2% of the sum insured per day, up to a maximum of ₹5,000 per day.
ICU Limit: Capped at 5% of the sum insured per day, up to a maximum of ₹10,000 per day.
Advanced Treatments
Robotic surgeries, stem cell therapy, balloon sinuplasty, deep brain stimulation, oral chemotherapy, immunotherapy, cochlear implants, and IONM enhance precision, recovery, and treatment for neurological, cancer, and hearing conditions.
Co-payment
The SBI Arogya Sanjeevani Plan has a co-payment clause of 5% on all claims. This means that the policyholder must pay 5% of the total approved claim amount, while the insurer covers the remaining 95%.
Waiting Periods
Initial Waiting Period: 30 days from policy inception, excluding accidents.
Specific Illnesses: A 2-year waiting period applies to certain specified diseases.
Pre-existing Diseases: Coverage begins after a 3-year waiting period.
Hypertension, Diabetes, and Cardiac Conditions: A 90-day waiting period applies if these are not pre-existing at policy purchase.
Cashless Healthcare Providers
Access to 16,881 network hospitals.
Day Care Treatments
Medical procedures requiring less than 24-hour hospitalization are covered up to the Sum Insured, as per the indicative daycare list.
AYUSH Treatment
Expenses for alternative treatments, including Ayurveda, Yoga, Unani, Siddha, and Homeopathy, are covered up to the Sum Insured.
Exclusions
Pre-existing diseases are not covered during the initial waiting period of 48 months.
Medical expenses incurred during the first 30 days from policy inception, except for accidental injuries.
Treatment for self-inflicted injuries, suicide attempts, or substance abuse-related conditions.
Cosmetic or plastic surgery unless required due to an accident or medically necessary.
Expenses related to dental treatment, unless due to an accident.
Infertility treatments, assisted reproductive techniques, and related procedures.
Treatment for congenital diseases or genetic disorders.
Injuries or illnesses resulting from participation in hazardous activities or adventure sports.
Non-medical expenses, including dietary supplements and external medical devices.
Treatment for obesity and weight control procedures unless medically necessary.
Exclusions
Critical Illness Cover - Provides a lump sum payout if diagnosed with life-threatening diseases like cancer, heart attack, or kidney failure, ensuring financial stability.
Maternity & Newborn Cover - Covers maternity expenses, delivery costs, and newborn care, including vaccinations, reducing the financial burden of childbirth.
Personal Accident Cover - Offers financial protection in case of accidental death or disability, ensuring security for the policyholder and their family.
Hospital Cash Benefit - Provides a fixed daily cash allowance during hospitalization to cover additional non-medical expenses.
International Treatment Cover - Covers medical expenses for specific treatments abroad, ensuring access to advanced healthcare facilities worldwide.
No-Claim Bonus Booster - Increases the sum insured at a higher rate for every claim-free year, enhancing coverage benefits.
Add-ons
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About the Company
SBI General Insurance was established in 2009 as a joint venture between State Bank of India and Insurance Australia Group (IAG). Headquartered in Mumbai, India, the company offers a comprehensive range of insurance products such as motor, health, home, travel, and commercial insurance. Their policies are designed to meet various customer needs, from individual coverage to family and corporate plans. The company also emphasizes customer-centric services and easy claim processes.
About the Company
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