Affordable Health Insurance with SBI General Arogya Plus

SBI Arogya Plus Policy Overview

SBI General Insurance Company offers Arogya Plus Policy which is a reliable medical insurance plan. This insurance policy is available for the individuals who wish to buy an insurance cover for themselves or their family members. The floater insurance policy allows the coverage for the policyholder along with their spouse and at most two children.

This insurance plan is offered at a nominal fixed premium amount and provides financial security against medical expenses arising due to hospitalisation or OPD. This plan is available in the sum insured options of ₹1 Lakh, ₹2 Lakhs, and ₹3 Lakhs. It provides coverage against various healthcare costs arising due to OPD, pre-hospitalisation, in-patient hospitalisation, daycare, post-hospitalisation ambulance, AYUSH treatment, maternity, and more.

If you wish to get coverage under this insurance, it is not important for you to undergo any medical test for a maximum of 55 years of age. This is possible only if you don’t have any medical history. Another advantage of this cover is that it has a feature of lifetime renewability. This implies that you can get your policy renewed with mutual consent from the health insurance provider. The claim process is fast, transparent, and fair. They offer a grace period of 30 days, no exit age, and the tax benefits on the insurance premium as per section 80D of the Income Tax Act. The hassle of fund management is reduced significantly, so that you can focus on your treatment journey only.

Besides, SBI General Arogya Plus Policy is offered for people aged between 3 months and 65 years. It also offers additional covers such as maternity cover.

Key Features of SBI Arogya Plus Policy

Here are a few key features of SBI Arogya Plus Policy:

Comprehensive health insurance policy offered by SBI
Provides coverage against medical expenses incurred by the insured and their family members
Coverage includes hospitalisation expenses, pre and post hospitalisation expenses, daycare procedures, and ambulance charges

1. Offers sum insured options of ₹1 Lakhs, ₹2 Lakhs, and ₹3 Lakhs

Coverage available for individuals aged between 3 months and 65 years and their family members, including spouse, dependent children, and parents
Maternity cover is available
Cashless hospitalisation facility available across a wide network of hospitals
Provides tax benefits under Section 80D of the Income Tax Act
Offers hassle-free claim settlement process
Offers lifelong renewal options
No involvement of any sub-limits on hospital charges, doctor fees, or room rent
Offers 24*7 customer support

2. Inclusions of SBI Arogya Plus Policy

Here are a few inclusions of SBI Arogya Plus Policy:

Nursing, room rent, boarding, and other hospitalisation expenses
Expenses involving the OPD consultation, treatment, and teleconsultation
Expenses incurred due to 141 daycare expenses
Ambulance expenses of up to ₹1,500
Pre and post hospitalisation expenses for a maximum of 60 and 90 days respectively
Customary and reasonable expenses incurred during the domiciliary hospitalisation

3. Exclusions of SBI Arogya Plus Policy

Here are a few mandatory exclusions of SBI Arogya Plus Policy:

Treatments taking place out of Indian geographical borders
Expenses arising due to treatment necessary because of the participation in adventurous/hazardous sports
Coverage against gender transformation treatment expenses
Hospitalisation expenses for evaluation and investigation purposes
Coverage against plastic or cosmetic surgeries’ treatment expenses
Treatment arising if the insured commits any law’s breach with a criminal intention

4. How to Make a Claim Under SBI Arogya Plus Policy

Here’s how you can make a claim under SBI Arogya Plus Policy:

Intimate SBI about your claim by calling them on their toll-free number: 1800 22 1111
You can also send SBI a text message ‘CLAIM’ as an SMS to 561612
The customer executive of SBI will reach out to you with all the details of the necessary documents and the succeeding steps
The claims’ representative of SBI will contact you within a span of just 24 hours after filing the claim
Submit all the necessary documents
SBI will then initiate the procedure and settle all the necessary claims within a span of 30 days of the final survey’s report

You must submit the following documents to raise your claim:

KYC form
Address proof
Duly signed claim form
Original discharge papers
Receipts/bills/medical reports
Photo ID documents (Aadhar card or PAN card)
Doctor’s consultation report
Copy of the investigation report in case of an accident

Conclusion

SBI General Arogya Plus Policy is a comprehensive health insurance policy which is a good option for those looking for a plan offering a wide range of benefits. This plan has a range of insured sum options to choose from. It also offers a cumulative bonus for claim free years. In order to save your finances from hefty hospitalisation expenses, doctors’ fees, room rent, pre and post hospitalisation expenses, you must opt for this plan.

Disclaimer :SBI General Insurance Company Limited | Corporate & Registered Office: Fulcrum Building, 9th Floor, A & B Wing, Sahar Road, Andheri (East), Mumbai - 400099. | The information in the advertisement is indicative in nature. For more details on the risk factor, terms and conditions, please refer to the Sales Brochure and Policy Wordings carefully before concluding a sale. | Tax benefits are subject to changes in tax laws. | For SBI General Insurance Company Limited IRDAI Reg. No. 144 dated 15/12/2009 | CIN: U66000MH2009PLC190546 | Bajaj Finserv Direct Limited is a registered corporate agent of SBI General Insurance Company Limited. IRDAI Registration Number CA0551 |SBI Logo displayed belongs to State Bank of India and used by SBI General Insurance Company Limited under license. | Website: www.sbigeneral.in, Tollfree: 18001021111 SBI General Insurance and SBI are separate legal entities and SBI is working as Corporate Agent of the company for sourcing of insurance products.