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Arogya Plus Health Insurance
- **Flat Premium (Fixed for all ages)
- No Health Check-Up to 55 Years of Age
- Up to 7.5% Discount on Long term policy
& Family cover - Tenure Option - 1, 2 & 3 years
- OPD Expenses Covered
Starting ₹742/Month*
Assure Your Health For A
Flat Premium**
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Pre and Post-Hospitalisation
Coverage of 60 days prior to admission and 90 days after discharge from the hospital.
OPD Treatment
Expenses for OPD consultation or tele-consultation and treatment up to specified limit.
Maternity Expenses
Cover for maternity expenses up to the OPD limit as specified in the policy.
Why Arogya Plus Health Insurance ?
Extensive Coverage At A Flat Premium**.
Arogya Plus Policy offers financial protection against rising medical expenses. Be it OPD or hospitalization expenses, with Arogya Plus Policy, you can focus on availing the best possible treatment so that you can get back on your feet faster.
Who Can Buy This Policy?
Any individual between 18 and 65 years of age can buy this policy for oneself, their spouse, dependent children (91 days - 25 years) parents & parents-in-law.
What is Covered Under Arogya Plus Health Insurance Plan?
Take a look at the various features and benefits of the Arogya Plus policy offered by SBI General Insurance
Benefits
- No medical check-up up to 55 years if you don’t have any medical history
- Multiple coverages: Individual, Family Floater
- 141 Day Care expenses covered
- Comprehensive coverage: Pre and Post-Hospitalisation
- Multiple Sum Insured Options: INR 1, 2, & 3 Lakhs
- IT Exemption: Under Sec 80 D
- Outpatient Treatment Covered
Sum Insured
Age
Minimum entry age is 3 months and maximum entry age is 65 years. There is no exit age.
Insured:Individual/ Family (For Family Insurance Policy - Family means the spouse, dependent children, parents and parents in law. For Family Floater Insurance Policy - Family means the spouse and dependent children)
Policy Duration
1, 2 and 3 years.
Sum Insured
Hospitalisation sum insured options are 1, 2 and 3 Lakhs. OPD sum insured will depend on the age, premium and family type. Sum Insured of dependents will either be less than or equal to Proposer/ Primary Insured’s Sum Insured.
Premium
The premium for this product is flat Rs. 8,900, Rs. 13,350 or Rs. 17,800 per annum respectively for a sum Insured of 1, 2 or 3 lakhs.
What’s Covered
- Your hospital room rent, boarding expenses and doctor fees
- Operation Theatre and Intensive Care charges
- Nursing expenses
- Medicines that you consume during the hospital stay
- Pre-and Post-Hospitalisation expenses up to 60 and 90 days respectively
- Alternative treatment taken in accredited or recognised hospitals
- Domiciliary hospitalisation.
- Outpatient Treatment
This health insurance policy covers the following, subject to terms and conditions:
What’s Not Covered
- Pre existing diseases from inception of the policy up to 4 years of this Policy being in force continuously.
- Treatment of illnesses such as ulcers, tonsillectomy, hernia, cataract, sinusitis, gall bladder Stones, chronic renal failure during the first year of operation of the policy.
- Treatment taken outside India
- Stay in a hospital without undertaking any active regular treatment by the medical practitioner
- Experimental and unproven treatment.
Important Note
The above list of exclusions is illustrative and not exhaustive. For a full list of the exclusions , please refer to policy wordings.
Benefits
Sum Insured
What’s Covered
What’s Not Covered
Benefits
- No medical check-up up to 55 years if you don’t have any medical history
- Multiple coverages: Individual, Family Floater
- 141 Day Care expenses covered
- Comprehensive coverage: Pre and Post-Hospitalisation
- Multiple Sum Insured Options: INR 1, 2, & 3 Lakhs
- IT Exemption: Under Sec 80 D
- Outpatient Treatment Covered
Sum Insured
Age
Minimum entry age is 3 months and maximum entry age is 65 years. There is no exit age.
Insured:Individual/ Family (For Family Insurance Policy - Family means the spouse, dependent children, parents and parents in law. For Family Floater Insurance Policy - Family means the spouse and dependent children)
Policy Duration
1, 2 and 3 years.
Sum Insured
Hospitalisation sum insured options are 1, 2 and 3 Lakhs. OPD sum insured will depend on the age, premium and family type. Sum Insured of dependents will either be less than or equal to Proposer/ Primary Insured’s Sum Insured.
Premium
The premium for this product is flat Rs. 8,900, Rs. 13,350 or Rs. 17,800 per annum respectively for a sum Insured of 1, 2 or 3 lakhs.
What’s Covered
- Your hospital room rent, boarding expenses and doctor fees
- Operation Theatre and Intensive Care charges
- Nursing expenses
- Medicines that you consume during the hospital stay
- Pre-and Post-Hospitalisation expenses up to 60 and 90 days respectively
- Alternative treatment taken in accredited or recognised hospitals
- Domiciliary hospitalisation.
- Outpatient Treatment
This health insurance policy covers the following, subject to terms and conditions:
What’s Not Covered
- Pre existing diseases from inception of the policy up to 4 years of this Policy being in force continuously.
- Treatment of illnesses such as ulcers, tonsillectomy, hernia, cataract, sinusitis, gall bladder Stones, chronic renal failure during the first year of operation of the policy.
- Treatment taken outside India
- Stay in a hospital without undertaking any active regular treatment by the medical practitioner
- Experimental and unproven treatment.
Important Note
The above list of exclusions is illustrative and not exhaustive. For a full list of the exclusions , please refer to policy wordings.
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- FILE A CLAIM
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At SBI General, we know that Trust is Earned.
FAQs about Arogya Plus
Here are the commonly asked questions about Arogya Plus Health Insurance
Alternative Treatment taken as in-patient, like Ayurvedic, Homeopathy or Unani, taken in a government hospital or in any institute recognized by government and/or accredited by Quality Council of India/ National Accreditation Board on Health) is covered under the policy up to Sum Insured.
Co-payment refers to the amount expected to be paid by the insured for a medical service covered by the plan. This policy does not have any co-pay.
Premium for Family Floater Policy is calculated basis the age of the oldest member of the family to be insured.
Yes, this policy can be taken by minors, in case a concurrent cover is taken by parent(s).
No, the person cannot avail benefit under both the policies concurrently. The insured has the choice of claiming under any one of the policies. In case the amount claimed exceeds the limit under one policy, the overflow can be claimed under the second policy.
OPD amount is available over and above sum insured.
Yes, you can port your existing health indemnity policy, into this policy.
If you do not claim in any policy period, then you will not get any refund.
The disease under Permanent Exclusions will not be covered in the Arogya Plus plan.
The medical tests can be conducted at any designated centers identified by SBI General.
Product UIN
SBIHLIP22135V032122
DISCLAIMER: 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 change in Tax Laws
Starting from ₹742 /Month for 1Adult –Age 25years ; 3Lacs Sum Insured (Exclusive Taxes)
Flat premium irrespective of age of insured and family combination**
SBI General Insurance and SBI are separate legal entities and SBI is working as Corporate Agent of the company for sourcing of insurance products.
*T&C Apply
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