SBI Health Insurance Arogya Plus Policy

Amid the medical inflation and exorbitant hospitalization charges, SBI Arogya Plus Health Insurance Plan will work as a saviour. With this plan, you have the option to avail treatment close to 4400 network hospitals. There is no exit age for the plan, hence you can easily renew your policy throughout your lifetime.

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SBI Health Insurance Arogya Plus Policy

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    Key Features of SBI Arogya Plus Health Insurance Plan

    • Daycare expenses covered up to 142 days
    • No pre-medical test required for people with no medical history up to the age of 55 years
    • Individual health insurance & Family Floater plans available
    • OPD expenses as per the policy schedule
    • No pre-medical test for applicants below the age of 55 years
    • Coverage of Maternity Expenses up to the OPD limit
    • You can easily renew your existing health insurance plan from other insurers with SBI health insurance
    • No co-payment required
    • Tax saving under Sec 80 D of Income Tax Act

    Inclusions of SBI Arogya Plus Health Insurance Plan

    This policy covers the following medical expenses:

    • 60 days of coverage for Pre-hospitalization expenses and 90 days after the hospitalization.
    • Ambulance expenses up to Rs. 1500
    • Domiciliary hospitalization expenses
    • Integral expenses incurred on anesthesia, oxygen, medicines, operation theatre, surgical appliances, chemotherapy, dialysis, radiotherapy, x-ray, pacemaker cost, and similar
    • Physiotherapy as part of in-patient care
    • The cost incurred on diagnostic procedures
    • Room charges, medical consultation fees, dressing charges, ICU, and nursing expenses
    • Domiciliary hospitalization cover
    • Maternity expenses are only covered under the OPD benefits
    • Dressing, plaster casts, and ordinary splints
    • Ambulance cover up to Rs. 1500
    • OPD treatment and consultation costs ( up to a specified limit)
    • 142 daycare procedures are also covered
    • Pre-hospitalization charges are covered for 60 days for each claim under the plan
    • Post-hospitalization charges are covered for 90 days for each claim under the plan
    • An alternative treatment that is taken in a government recognized institute or hospital

    Plan Details

    Sum Assured Options (Rs.): Sum Insured options of Rs. 1 lakh, 2 lakhs and 3 lakhs. OPD sum assured depends on the age of the insured person, medical history and the premium cost

    Eligibility Criteria: The minimum entry age is 3 months and the maximum entry age is 65 years.

    Policy Term: You can buy a 1 year, 2 years and 3-year plan

    Premium: The premium for a 1 lakh policy is Rs. 8,900. The premium for a 2 lakh and 3 lakh plan is Rs. 13,350 and Rs. 17,800 per annum respectively.

    Grace Period: 30 days of grace period for policy renewal

    Exclusions of SBI Arogya Plus Health Insurance Plan

    This plan won’t cover the following medical expenses:

    • Pre-existing disease before the completion of 4 years of the policy term
    • Som specified diseases to be covered after a waiting period of one year
    • Expenses incurred on overseas medical treatment
    • Treatment that is taken within 30 days of the policy purchase date
    • Epidemic diseases declared by the World Health Organization
    • Congenital diseases are not covered
    • Any alternative treatment such as aromatherapy, naturopathy, acupuncture, osteopath, homeopathic, reflexology and Ayurveda.
    • Treatment for sexually transmitted diseases, AIDS and HIV
    • Self-inflicted injuries and suicidal attempts
    • Medical treatment related to depression and mental disorders
    • Health treatment for an overdose of alcohol consumption and drug abuse

    Claim Procedure for SBI Arogya Plus Health Insurance Plan

    The company follows a simple and hassle-free claim process. Here’s how your claim will be processed:  

    • Lodge your claim request by calling SBI health insurance toll-free number
    • Original medical documents and claim-form needs to be submitted to initiate the claim process
    • After assessing the documents your  claim request will be approved or rejected
    • The claims are usually settled within 30 days of submitting the documents
    • For cashless hospitalization, a pre-authorization form needs to be submitted to the TPA desk at the hospital or to the insurance provider
    • In case of planned hospitalization, you need to intimate the insurer well in advance
    • In case of emergency hospitalization you need to immediately inform the insurer to initiate the claim process

    SBI Health Insurance Arogya Plus Policy Reviews & Ratings

    0 / 5 (Based on 7 Reviews)
    (Showing Newest 7 reviews)
    Parul
    Punjab, August 02, 2021
    Inexpensive term plan
    My friend is 30 year old and I am 25 years old and noticed a difference in our term plan price. I visited Policybazaar and read some blogs there. I found out that term plans are cheaper if you buy at young age. I am glad to buy this plan at the right time.
    Amrita
    Chail, August 02, 2021
    Tax savings
    I recently bought a term insurance policy from the website of Policybazaar. My plan has amazing features and some additional benefits due to an addon. The best part is I can also enjoy a tax rebate. I am so glad to buy this plan.
    Pratap
    Niwari, August 02, 2021
    Purchased Online
    My friend asked me to buy a term insurance plan online as it is cheaper and more convenient. I visited the website of Policybazaar and bought a term policy which offers great benefits at cheap rates. My online experience has been great. Thank you team.
    Anurag
    Modinagar, August 02, 2021
    Protection against COVID
    The pandemic had me worrying about the future of my family in my absence. I have been searching for a pure insurance policy to safeguard my family against any eventuality. With the help of Policybazaar now I my family is secure as a bought a specialized term plan made to help family of the policyholder.
    Kashish
    Meerut, August 02, 2021
    Best customer service
    I did not understand much about insurance but I knew one thing that I needed to secure the future of my family. I took help from the team of Policybazaar and they suggested me what would be best for me. I am happy with my plan. Thank you so much team.
    Komal
    Palwal, August 02, 2021
    Huge coverage
    I recently bought a term plan from the website of Policybazaar and I am happy with the product. I got a higher coverage term plan with additional benefits and at cost effective price. Now I am worry free for the future security of my family in my absence. Thanks.
    Harisha
    Gurgaon, August 02, 2021
    Quick to buy
    My friend suggested me to buy a term insurance plan online. I visited the website of Policybazaar and it took me about half an hour or maybe less to buy the plan online. The experience was smooth and I am happy with my plan. Kudos team.

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