Arogya Plus Health Insurance

You need to calculate your existing debt, monthly expenses, and average cost of treatment in your city when determining the sum insured of your critical illness insurance plan.

Under a standard family medical insurance plan, you can cover self, spouse, dependent children, own parents, and parents-in-law.

Yes, you can buy a family health insurance plan with a tenure of up to three years. Longer tenures save you from the hassles of yearly renewal and can prove to be more convenient.

Yes, your family medical insurance plan will have a couple of waiting periods. You have to wait for an initial period of 30 days from the date you buy coverage before filing any claims. This initial waiting period excludes accidents. There is an additional waiting period of 48 months for the coverage of pre-existing diseases, provided you mention these at the time of purchase of the policy. Finally, you may also have an additional waiting period that range from 3 months/ 1 year/ 2 year for specific illnesses mentioned in the policy wordings.

SBI General Insurance offers you a 30-day grace period to renew your coverage after the expiry date. If you miss out on this grace period, you need to apply for a new family health insurance policy.

The age criteria when buying coverage are 90 days for children, 18 years for adults, and up to 65 years for senior citizens.

As long as all members have started coverage within the stipulated age limits, they enjoy lifetime renewability.

Yes, genetic disorders are included for coverage up to the limits specific in the policy wordings.

Your family health insurance plan will only cover dental treatments that have been deemed necessary due to accidental bodily injury sustained by the policyholder’s natural teeth that requires hospitalisation.