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Health Insurance ReviewREXI Analysis 2026
SBI General Arogya Plus
Simple, affordable health insurance backed by India's largest bank.
3.6/5(110 reviews)
Claim Ratio: 87.00% (FY 2023-24)
Overview
SBI General's Arogya Plus is a straightforward health plan ideal for first-time buyers. Distributed through SBI branches, it's easy to purchase and widely understood. Sum insured ranges from ₹1L to ₹5L with basic hospitalization coverage.
Room Rent Limit
1.5% of sum insured per day
⚠ Proportionate deduction applies if exceeded
Best For
First-time health insurance buyers, especially SBI customers, looking for a simple, low-cost policy as a starting point.
What We Like
- Easy purchase via SBI branches across India
- Simple product with no complex exclusion clauses
- Competitive premiums for low sum insured
- Trusted SBI brand with widespread branch network
Watch Out For
- Maximum sum insured capped at ₹5L — insufficient for metro hospitalization
- Room rent limit applies triggering proportionate deduction
- Limited digital claim filing capabilities
- Not competitive for families needing ₹10L+ coverage
Products Offered
Arogya PlusArogya PremierArogya Supreme
Disclaimer: This review is based on publicly available information, IRDAI data, and REXI's policy analysis. Ratings are our editorial opinion. This is not financial advice — always read the full policy document before purchasing. Claim settlement ratios are sourced from IRDAI Annual Reports.