SBI Arogya Plus Policy
SBI Arogya Plus policy is a comprehensive health insurance plan that offers financial protection to policyholders from rising medical expenses of hospitalization and OPD. SBI Arogya Plus policy comes in two plan types, i.e., an individual and family floater, with various coverage benefits to the policyholders. SBI Arogya Plus policy is designed to cater for the healthcare needs of families and individuals. It covers various healthcare expenses such as in-patient hospitalization, domiciliary hospitalization, AYUSH treatment, etc. In the below sections, we have explained the SBI Arogya Plus policy in detail.
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Highlights of the SBI Arogya Plus Plan
Below mentioned are the highlights of the SBI Arogya Plus Insurance Policy:
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Entry Age
3 months to 65 Years
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Renewability
Lifelong
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Policy Type
Individual and Family Floater
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Sum Insured
1L, 2L, 3L
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Policy Term
1, 2, 3 Years
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Waiting Period for PED
3 years
Eligibilities to buy SBI Arogya Plus Policy
Below mentioned is the eligibility of the SBI Arogya Plus Policy:
- Individual
- Family Floater
Entry Age: 3 months to 65 months
Entry Age: 3 months to 65 months
Policy Term: 1,2,3 Years
Policy Term: 1,2,3 Years
Coverage Benefits Offered Under SBI Arogya Plus Policy
SBI Arogya Plus Policy provides various coverage benefits for various medical expenses incurred by the insured. Below mentioned are the coverage benefits offered under the SBI Arogya Plus Policy:
- 1L, 2L, 3L
Room Rent
Covered
ICU Charges
Covered
Pre-Hospitalization
Covered up to 60 Days
Post-Hospitalization
Covered up to 90 Days
Domiciliary Hospitalization
Covered
Daycare Treatments
141 Daycare Treatment Covered
Covid-19 Treatment
Covered
AYUSH Treatment
Covered
Maternity Expenses
Covered up to OPD limit
Genetic Disorder
Covered up to INR 50K
Congenital Diseases
Covered up to 10% of the Sum Insured
Modern Treatment
12 modern treatments covered
Ambulance Cover
Covered up to INR 1.5K
Sub-Limit
Applicable on mental illnesses
SBI Arogya Plus Policy Exclusions
Below mentioned is the list of diseases and conditions that are not covered under the SBI Arogya Plus policy:
- Treatment took outside India
- Cosmetic Surgery
- Plastic Surgery
- Admission primarily for Investigation and evaluation
- Expenses related to obesity
- Change of gender treatment
- War and war-like situation
- Unproven treatment
- Refractive error
- Breach of Law
- Sterility and infertility
- Participation in hazardous or adventurous sports
Coverage after Waiting Period
Given below are the coverage benefits offered under the SBI Arogya Premier policy after a certain waiting period:
| Coverage Benefits | Waiting Period |
|---|---|
| Initial Waiting Period | 30 Days |
| Specific Diseases | 24 Months and 90 Days |
| Pre-Existing Diseases | 48 Months |
SBI Arogya Plus Policy Additional Benefits
SBI Arogya Plus policy offers various additional benefits along with coverage benefits. Below mentioned are the additional benefits offered under the SBI Arogya Plus policy:
- Coverage for HIV/AIDS: Policyholders will get coverage for the medical expenses incurred due to in-patient treatment of HIV/AIDS. SBI Arogya Plus policy offer coverage against HIV/AIDS up to the sum insured amount
- Requires No Medical Checkup: Customers need not undergo a pre-screening medical checkup before buying SBI Arogya Plus Policy. A pre-screening medical checkup is compulsory for customers more than 55 years of age.
- In-patient Hospitalization: SBI Arogya Plus plan covers all the expenses incurred during the hospitalization, such as blood, Anesthesia, operation theatre expenses, oxygen, medicines and consumables, surgical appliances, x-ray, diagnostic expenses, chemotherapy, radiotherapy, dialysis, cost of a pacemaker, dressing, prosthesis/internal implants, ordinary splints, plaster casts, etc.
Explore More About SBI Arogya Plus Policy
Check the below section to learn more about the SBI Health Insurance buying process, sbi health insurance claim settlement process, sbi health insurance renewal process.
