SBI Health Insurance Arogya Plus Policy
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- SBI Health Insurance Arogya Plus Policy
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.
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
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*We will respond in the first instance within 30 minutes of the customers contacting us. 30-minute claim support service is for the purpose of giving reasonable assistance to the policyholder in pursuance of the claim. Settlement of claim (including cashless claim) is the responsibility of the insurer as per policy terms and conditions. The 30- minute claim support is subject to our operations not being impacted by a system failure or force majeure event or for reasons beyond our control. For further details, 24x7 Claims Support Helpline can be reached out at 1800-258-5881.
*Product information is authentic and solely based on the information received from the Insurer. Policybazaar is acting only as a facilitator and claims settlement shall be at the sole discretion of the Insurer. Policybazaar does not provide any medical or surgical advice or diagnosis and is not responsible for your interactions / treatment by a medical practitioner/hospital. Please consult a registered medical practitioner for any medical or surgical advice. The Information that you obtain or receive from Policybazaar, and its employees, or otherwise on the Website is for informational purposes only. As per the Insurance guidelines, you are allowed to cancel the policy with-in 30 days from the date of Issuance of policy.This option is available incase of policies with a term of one year or more.
*All the health insurance plans cover hospitalization expenses including COVID-19 treatment cover up to the specified limits. You can also buy specific COVID-19 health insurance policies such as Corona Kavach Policy and Corona Rakshak policy.
**All savings and online discounts are provided by insurers as per IRDAI approved insurance plans. #Tax Benefits are subject to changes in tax laws. GST Exemptions depend on fulfilment of qualification criteria and submission of relevant documents.
*₹1748/month is the starting price for a 1 crore health insurance for an 18-year-old male, with no pre-existing diseases. Discount on renewal premium is subject to the number of wellness points earned in the health insurance policy. For more details about the plans, please read the sale brochure carefully to get upto 100% discount on renewal premium.
*₹400/month is the starting price for ₹ 5 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases
*₹541/month is the starting price for ₹ 10 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases
*₹762/month is the starting price for ₹ 1 Crore Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases
*₹243/month(₹ 8/day) is the starting price for a 5 lakh health insurance for a 20-year-old male, non-smoker, living in Bengaluru with no pre-existing diseases
*₹2020/month is the starting price for ₹ 1 Cr Health insurance for a 50 year old male & 50 years old female, living in Bangalore with no pre-existing diseases rounded off to nearest 10.
*₹390/month (₹13 per day) is starting price for 1 cr. Health insurance for 25 years old male, with pre-existing diseases, residing from tier 1 city rounded off to the nearest 10.
*No medical tests are required unless requested by the insurer’s underwriter. In-case of pre-existing diseases relevant medical proof would be required as per the terms and condition of the policy opted.
*The values taken for effective cost calculation are indicative values and may change as per the selected plan.
*Coverage upto double the amount of Sum Insured is available on certain covers for a minimum plan of Rs. 5 Lakh on the first claim only to an individual of upto 45 years of age with no pre-existing diseases. The benefit is available with or without extra cost depending on the plan chosen.
*Coverage of pre-existing diseases is provided by insurer as per their underwriting policy.
*The scope of coverage may vary from plan to plan.
~Source: Google Review Rating available on:- http://bit.ly/3J20bXZ
##On ground claim assistance is available in 114 cities
Tax Benefits are subject to changes in tax laws. GST Exemption depends on fulfilment of qualification criteria and submission of relevant documents as required by the insurers. For more details on risk factors, terms and conditions, please read the sales brochure and applicable rules and regulation carefully before concluding a sale.
STANDARD TERMS AND CONDITIONS APPLY. For more details on risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale.
Policybazaar is a registered Composite Broker |Registration No. 742, Valid till 09/06/2024, License category- Composite Broker| Visitors are hereby informed that their information submitted on the website may be shared with insurers.
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