https://www.desidime.com/discussions/claim-experience-of-sbi-aarogya-mediclaim-policy?page=1#post_9229859
No claimed from this specific policy but did claim from other sbi policy(cashless and reimbursement) , and i find u will save more in reimbursement.
Though both the process are easy and hassle free.
Ps - just my experience, it could be different for others.
