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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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Flat Premium for Entire Family**

Flat Premium for Entire Family**

Get comprehensive coverage for your entire family at a flat premium
Pre and Post-Hospitalisation

Pre and Post-Hospitalisation

Coverage of 60 days prior to admission and 90 days after discharge from the hospital.
OPD Treatment

OPD Treatment

Expenses for OPD consultation or tele-consultation and treatment up to specified limit.
Maternity Expenses

Maternity Expenses

Cover for maternity expenses up to the OPD limit as specified in the policy.
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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

    • 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
    • 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.

    • This health insurance policy covers the following, subject to terms and conditions:

      • 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
      • 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
  • 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

    This health insurance policy covers the following, subject to terms and conditions:

    • 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
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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  • RENEW POLICY
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RENEW POLICY

Want to Renew Your Existing Policy?

With our quick and seamless renewal process, you can renew your policy effortlessly from the comfort of your home.

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FILE A CLAIM

Want to File a Claim on Your Existing Policy?

Customers’ well-being and convenience are top priority for us. We offer a hassle-free claim process & provide thorough claim assistance.

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NETWORK HOSPITALS

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Benefit from our wide range of network hospitals & avail cashless treatment without any inconvenience.

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FAQs about Arogya Plus

Here are the commonly asked questions about Arogya Plus Health Insurance

One critical illness insurance plan can only cover one individual. So, your spouse and parents will need a critical illness health insurance plan of their own.

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.

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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