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Arogya Plus Policy

Health insurance is a necessity today, and a trusted health insurance policy is the best investment money can buy. Read More

SBI General’s Arogya Plus Policy offers financial protection from rising medical expenses – be it OPD or hospitalisation, allopathy or AYUSH, accidents or life-threatening illnesses. With a fixed premium that’s light on the pocket, this can be your saviour in times of crises.Read Less



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    Arogya Plus:

    • Hospitalisation expenses Cover
    • OPD treatment and Teleconsultation
    • Pre-hospitalisation expenses up to 60 days
    • Post-hospitalisation expenses up to 90 days
    • Day care expenses
    • Ambulance expenses
    • Alternative treatment
    • Domiciliary hospitalization
    • Maternity Expenses covered under the OPD sublimit traceable to childbirth
    • HIV/AIDS Cover up to Sum Insured
    • Mental Illness Cover up to Sum Insured (Sub limit - Rs. 50,000 whichever is lower, applicable for few conditions)
    • Genetic Disorders up to Rs.50,000
    • Internal Congenital Anomaly up to Rs. 10% of Sum Insured
    • 12 Specific Procedures up to 50% of Sum Insured



  • The Arogya Plus Health Insurance Policy can be bought by any permanent Indian resident aged between 18 to 65 years with lifetime renewal


For transaction on net banking – no documentation

For transaction on Mobile App– no documentation

For paper based transactions

  • Health Insurance Proposal form
  • KYC Documents :ID Proof & address proof(PAN & Aadhar)


  • Initial waiting period: 30 days for all illnesses (not applicable on renewal or for accidents)
  • 90 days for specified disease and procedure
  • Specified surgeries/treatments/diseases are covered after specific waiting period of 12 months
  • Pre-existing diseases: Covered after 48 months unless otherwise provided
  • Maternity Benefit expenses are covered after waiting period of 9 months
  • Treatment taken outside India
  • Stay in a hospital without undertaking any active regular treatment by the medical practitioner
  • Experimental and unproven treatment
  • Admission primarily for investigation & evaluation
  • Admission primarily for rest Cure, rehabilitation and respite care
  • Expenses related to the surgical treatment of obesity that do not fulfill certain conditions
  • Change-of-Gender treatments
  • Expenses for cosmetic or plastic surgery
  • Expenses related to any treatment necessitated due to participation in hazardous or adventure sports
  • The above list of exclusions is illustrative and not exhaustive. For a full list of the exclusions , please refer to policy wordings.

Bajaj Allianz life Smart Protect Goal


1Tax deductions under Section 80D is as per applicable provision of the Act (including any amendments thereto) and are subject to changes in the tax laws.

The information must be read in conjunction with the product brochure and policy document. In case of any conflict between the Customer Information Sheet and the policy document the terms and conditions mentioned in the policy document shall prevailRead More

SBI General Insurance Company Limited I Corporate & Registered Office: 'Natraj', 301, Junction of Western Express Highway & Andheri - Kurla Road, Andheri (East), Mumbai - 400 069. | For more details on risk factors, terms and conditions, please refer to the Sales Brochure and Policy Wordings carefully before concluding a sale. 'For SBI General Insurance Company Limited IRDAI Reg. No. 144 dated 15/12/2009 | CIN: U66000MH2009PLC190546 | SBI Logo displayed belongs to State Bank of India and used by SBI General Insurance Co. Ltd. under license. Website: www.sbigeneral.in Toll free: 18001021111 Arogya Plus Policy. UIN - SBIHLIP21334V022021Read Less


What does the Arogya Plus health insurance include?

It includes hospitalisation expenses, domiciliary hospitalisation, OPD expenses, pre and post hospitalisation, 141 day-care expenses, ambulance charges, AYUSH, maternity expenses, HIV/AIDS, mental illness, genetic disorder, internal congenital disorder and 12 other advanced medical procedures. 

What is the policy tenure?

Policy duration can be 1,2 or 3 years.

What are the Sum Insured options?

Sum Insured can be Rs 1 lakh, Rs 2 lakhs, Rs 3 lakhs

Can children be included in health insurance policies?

Children as young as 3 months can be included in this policy.

Is it eligible for tax benefits?

It’s eligible for tax exemption under section 80D.

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