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Last updated on: September 22, 2025
The Reliance Arogya Sanjeevani Plan and SBI Arogya Premier Plan cater to different health insurance needs. The Reliance Arogya Sanjeevani Plan is a standard, IRDAI-mandated health policy offering sum insured amounts between ₹1 lakh and ₹5 lakh, covering basic hospitalization, pre- and post-hospitalization, and AYUSH treatments at affordable premiums—ideal for first-time buyers or those seeking essential coverage. In contrast, the SBI Arogya Premier Plan offers higher sum insured options (up to ₹30 lakh), wider coverage including maternity, critical illness, and advanced features like domiciliary hospitalization and wellness benefits, making it suitable for individuals or families seeking comprehensive protection. Ultimately, choose Reliance Arogya Sanjeevani for basic requirements and affordability, or SBI Arogya Premier for extensive coverage and higher financial security.
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It can be difficult to select the appropriate health insurance of you and your family in India, as there are many opportunities. Reliance Arogya Sanjeevani Plan and SBI Arogya premier Plan are two of the anticipated plans in 2025. The similarity is that both of them present a package of advantages, yet which one is more suitable to you? It is good to navigate through the differences in order to make a good decision and obtain the medical cover that you are entitled to.
Purchasing good health insurance in India is not only picking the least expensive cover. Coverage limits, exclusions, cost of premiums, additional coverage, claims and even reputation of the insurers are important. Now, we are going to take a closer look at the comparison of Reliance Arogya Sanjeevani Plan and SBI Arogya Premier Plan, what is special about them, and which one can be more appropriate to use in the year 2025.
The Reliance Arogya Sanjeevani Plan is a rudimentary health insurance plan that aims at ensuring that medical insurance is affordable and uniform amongst all Indian families. It is IRDAI compliant and has designated inclusions and exclusions to understand easily. This is an appropriate policy to those individuals and families who want basic hospitalization cover without elaborate conditions.
The main coverage is hospitalization, which is as a result of illness or accident, day care treatments, AYUSH cover, room rent capping, modern medical procedures and pre and post hospitalization. Reliance advertises this policy as an affordable, easy and clear cut policy to first time buyers as at 2025.
What is the range of sum insured of Reliance Arogya Sanjeevani Plan in 2025?
The amount insured amounts to between one Lakh and ten Lakhs rupees according to the existing guidelines.
SBI Arogya Premier Plan is a health insurance plan of the SBI General Insurance. It is designed to suit individuals, couples and families who would like to have wider protection as it is a lot more than the basic coverage of their medical by providing better sum insured slabs and features as well as reduced restrictions. The plan is perfect when an individual would like to access high-quality healthcare and feel more secure.
The most popular covers are higher hospitalization cover, advanced surgeries, maternity, Ayurvedic and Homeopathic treatment, organ donor cover and restoration benefits. The plan has a smooth claim procedure that is aimed at policyholders who are not ready to make tradeoffs when it comes to quality of care.
Did you know?
Health insurance advisors in 2025 say that such comprehensive policies as SBI Arogya Premier are gaining popularity among Indians over thirty five years and working families in the city.
Experts Insights:
Insurance gurus also recommend that beginners should use the standardized products and those who have more risk or need in the healthcare better off with comprehensive plans.
Pros
Cons
Pros
Cons
What is the 2025 plan that covers maternity?
SBI Arogya premiere plan provides maternity cover after the waiting period whereas Reliance arogya sanjeevani does not.
| All-inclusive | Reliance Arogya Sanjeevani | SBI Arogya Premier |
|---|---|---|
| Sum Insured | Rs 1Lakh to rs 10 Lakhs | Rs 3 Lakhs to Rs 30 Lakhs |
| Room Rent Limit | Rs 5000 per day | No limit usually |
| ICU Charges | Rs 10,000/ day | Actuals as per sum insured |
| Pre Hospitalisation | 60 days | 30 days |
| Post Hospitalisation | 60 days | 180 days |
| AYUSH Cover | Yes | Yes |
| Maternity Benefits | No (waiting period) | Yes |
| Restoration Benefit | No | Yes |
| Organ Donor Cover | No | Yes |
| Premium (5L, 30yrs SI) | Approx Rs3500 | Approx Rs8500 |
| Bonus accrual referral | 5 percent annual | 10 percent annual |
| Lifelong Renewal | Yes | Yes |
Did you know?
By 2025, with the increasing number of insurers providing health plans that include restoration of sum insured, their customers will have an opportunity to handle numerous claims within a year.
Reliance Arogya sanjeevani pays the important hospitalization costs such as surgery, nursing, diagnostic tests as well as medicines. It also provides the cover of some day care treatments and major illnesses according to the options mentioned in the IRDAI. There are however sub limits of room rent and certain procedures. Even the up to sum insured covers AYUSH treatments.
SBI Arogya Premier goes way beyond that. The amount of insured slabs is greater and you can earn claims in the cases of more costly surgeries, own rooms and new medical procedures. The plan also covers the expenses of organ donation, care of the newborn and alternative medicine. The protection is enhanced by restoration and loyalty bonuses, which cover sums that are beyond the initial sum insured on claim.
Will the two plans cover COVID treatment in the year 2025?
The two plans include hospitalisation as a result of COVID 19 with the normal policy conditions.
The Reliance Arogya Sanjeevani Plan has certain common health insurance exclusions in accordance with IRDAI which are cosmetic treatment, infertility treatments and dental expenses. Moreover, some of the sicknesses diagnosed within the first thirty days are not included with the exception of accidental injuries. There are sub limits on room rent and particular treatment that are strictly followed.
SBI Arogya Premier is a full health plan and, therefore, also has some exclusions such as cosmetic surgery, weight control, and self inflicted injury. Such advanced features as maternity and newborn cover have a nine months or two years waiting period depending on the option taken.
Experts Insights:
On purchasing, personal finance consultants in India recommend that one should examine all the exclusion provisions, which may result in denial of claims in the future.
One of the cheapest standardized health covers in the year 2025 is Reliance Arogya Sanjeevani. A 30 year old with a 5L sum insured costs about 3500 as the annual premium. The plan is pocket friendly even to families and therefore would be accessible to middle class families and those who have never bought a home.
SBI Arogya premier plan on the other hand is priced higher according to their expanded cover and sophistication. Assuming an Rs 5 Lakhs amount is insured to an individual of 30 years of age, the annual premium in 2025 will be approximately Rs 8500. The policy pays off well to the families in need of all-inclusive coverage.
Are these plans subject to the same premium yearly?
In 2025, the premiums may be altered at renewal according to the age slab and the claim history, and also according to the policy of the insurer.
Both Reliance General Insurance and SBI General insurance have got digital and offline claim channels; thus, it will be easier to do the process in 2025 by the advancement of technology. The two insurers have cashless claims in their network hospitals and options of reimbursement on non network treatments.
The tie up network of Reliance has a big network of hospital ties ups in India, but the network of hospitals that SBI has is more extensive because of the partnerships with major hospitals. Claim settlement ratio of both companies is also good, typically above 95 percent in past two years.
Did you know?
Health claims in India are now being settled cashless in an average of 20 minutes on an average of the routine preapproved procedures in 2025.
When you are only concerned with affordability, no-frills health cover and no frills policy, then Reliance Arogya Sanjeevani Plan is a good choice. It fits best young people, couples or small families which do not expect significant medical costs.
Newborn and organ donor cover, SBI Arogya Premier Plan is preferable to those who desire that everything is covered, their parents are dependent, the family size is bigger, and want pregnancy. It best fits the higher-risk health people or people who do not want to limit themselves to simple sub limits and features.
Is it easy to upgrade Reliance Arogya into SBI Arogya premier?
This is not an automatic upgrade, however you can purchase a new policy that is subject to medical underwriting as per the process of insurers.
What role do these plans play in managing the pre-existing diseases in 2025?
Both the plans include cover of preexisting diseases after a waiting period, in Reliance Arogya Sanjeevani after 4 years and in SBI Arogya Premier 2 to 4 years depending on the option taken.
Who is allowed to purchase family floater in such plans?
Both policies have a family floater. Coverage on spouse, children and dependent parents can be up to as many as the policy will allow.
How about tax advantages in such plans?
Both plans are eligible to tax deduction (Section 80 D) Income Tax Act 1961).
Who does a better job on renewal benefits?
SBI Arogya Premium has a loyalty bonus increase of 10 percent per claim free year whereas Reliance Arogya Sanjeevani is 5 percent.
Reliance Arogya Sanjeevani Plan (2025) is a low cost, standardized medical cover to individuals and small families that require coverage against hospital costs. SBI Arogya Premier Plan (2025) is a premium high cover insurance with additional benefits and is highly customizable and suitable to larger families and those that would like to have the best coverage and health care plans.
Which is the more appropriate plan to senior citizens?
SBI Arogya Premium Plan can be more suitable to older citizens as it has higher limits and coverage, but has higher premiums.
What is the claim settlement ratio of Reliance vs SBI general?
According to the latest annual report of the IRDAI 2024 2025, both of the insurers declare settlement ratio more than 95 percent in health claims.
Is Reliance Arogya Sanjeevani providing life long renewal?
Yes, the policy is renewable and lifetime according to the rules of IRDAI.
Is it possible to purchase the 2 policies simultaneously to increase the coverage?
It is possible to purchase one or more health policies and coordinate the claims between the insurers, according to the sum insured and clauses.
Do these plans have any waiting period on COVID claims?
COVID 19 does not have any waiting period, however general 30 days policy waiting is applicable on first time buyers.
Are the two plans cashless hospitalization across India?
Yes, Reliance and SBI provide cashless network hospitalization in their network hospitals throughout India.
What plan offers improved add on cover flexibility?
SBI Arogya premier provides more options to select and design add ons as compared to Reliance Arogya Sanjeevani Plan.
How could we improve this article?
Written by Prem Anand, a content writer with over 10+ years of experience in the Banking, Financial Services, and Insurance sectors.
Prem Anand is a seasoned content writer with over 10+ years of experience in the Banking, Financial Services, and Insurance sectors. He has a strong command of industry-specific language and compliance regulations. He specializes in writing insightful blog posts, detailed articles, and content that educates and engages the Indian audience.
The content is prepared by thoroughly researching multiple trustworthy sources such as official websites, financial portals, customer reviews, policy documents and IRDAI guidelines. The goal is to bring accurate and reader-friendly insights.
This content is created to help readers make informed decisions. It aims to simplify complex insurance and finance topics so that you can understand your options clearly and take the right steps with confidence. Every article is written keeping transparency, clarity, and trust in mind.
Based on Google's Helpful Content System, this article emphasizes user value, transparency, and accuracy. It incorporates principles of E-E-A-T (Experience, Expertise, Authoritativeness, Trustworthiness).
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