Health Protection

Health cover for you and your
whole family.

Comprehensive cashless health insurance with hospitalisation cover, day care, pre & post care across 6,000+ network hospitals.

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Ages 18-65
Cashless hospitals
Pre & post care
Family floater

STARTS FROM

₹2599/year

Health Insurance

Wellness Benefits — Included in Every Membership

Unlimited Teleconsultations

Consult qualified GPs and specialists online through the zAppy app with no extra consultation charge.

Up to 80% off Diagnostics

Blood tests, urine tests, HbA1c, lipid profiles and hundreds of lab tests at up to 80% discount.

Up to 30% off Radiology

Discounts on X-rays, MRI, CT scans and ultrasounds at partner diagnostic centres via zAppy.

Up to 30% off Specialist Visits

In-person specialist consultations at discounted rates across our zAppy partner network.

Wellness benefits are provided by the zAppy partner network and are separate from the insurance cover underwritten by SBI General Insurance.

What's Covered

Core benefits included in the Bharat Arogya Health plan

In-Patient HospitalizationUp to Sum Insured for room, nursing, surgery, and all in-hospital medical expenses.

Pre / Post Hospitalization30 days of medical expenses incurred before admission and diagnostics.

Day Care ProceduresOver 540 procedures covered with no 24-hour admission required.

Ambulance CoverUp to Rs 2,000 per hospitalization for emergency ambulance charges.

Post-Hospitalization60 days of follow-up care after discharge including medicines and doctor visits.

Room Rent2% of SI/day for normal ward, 4% SI/day for ICU. Proportionate deduction applies if exceeded.

Co-Pay 10% co-payment applicable on all claims. You bear 10% of admissible claim amount.

Waiting Periods

Standard waiting periods applicable under this plan

Initial Waiting Period30 Days
Pre-Existing Disease (PED)24 Months
Specific Disease / Procedure12 Months
AccidentsNone - Day 1

Premium at a Glance

Annual premium for individual cover (live catalog tiers)

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Frequently Asked Questions

Co-pay means you share a fixed part of each approved claim amount. In this plan, 10% co-pay applies, so the insurer settles the remaining admissible amount.

Cashless treatment is available at network hospitals linked with the insurer. Hospital lists can change, so check the latest network list before admission.

Yes. The plan covers 540+ day care procedures that do not require 24-hour hospitalization, as per policy terms and limits.

Room rent is capped at 2% of sum insured per day for normal room and 4% for ICU. Choosing a higher room category can lead to proportionate deductions on related charges.

Porting is generally allowed at renewal, subject to insurer underwriting and continuity rules. Start the portability request before policy expiry for a smoother transition.