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Arogya Plus Policy Essentials

Why Arogya Top up Policy?

Enhanced Protection At An Attractive Premium.

Due to rising medical costs & increasing lifestyle diseases, your healthcare expenses can often exceed the insurance coverage you have. SBI General’s Arogya Top up Policy helps you get enhanced protection at a low premium so that you can meet your additional medical costs without burning a hole in your pocket.

Who Can Buy This Policy?

Any individual between 18 to 65 years of age ( Extended up to 70 years with minimum deductible of ₹5 Lakh ) can buy this policy for oneself, their spouse, dependent children (91 days - 25 years) parents & parents-in-law.

What is Covered Under Arogya Top up Health Insurance Plan?

Take a look at the various features and benefits of the Arogya Top up policy offered by SBI General Insurance

    • No medical check-up upto 55 years age for individuals with no medical history
    • 141 daycare expenses
    • Comprehensive coverage: pre-and-post-hospitalization
    • Wide coverage: Sum Insured from Rs. 1,00,000 to Rs. 50,00,000
    • IT exemption: Under Section 80D of the Income Tax Act**
      • Room rent, doctor’s fees, ICU charges, boarding expenses, nursing costs
      • Drugs, medicines and consumables consumed during hospitalization
      • Pre-Hospitalisation Expenses Up To 60 Days For Each Hospitalisation
      • Post-Hospitalization Expenses Up To 90 Days For Each Hospitalization
      • Day Care expenses for 141 daycare procedures
      • Physiotherapy as inpatient care and being part of the treatment
      • Maternity expenses after first 9 months
      • Reasonable & customary charges towards domiciliary hospitalization
      • We will not pay expenses in the following cases

      • Pre-existing diseases for the first 4 years
      • Specified Conditions During The First Year
      • Treatment Taken Outside India
      • Outpatient Department Treatment
      • Experimental Treatment
      • Expenses For Cosmetic & Plastic Surgery
      • Change-Of-Gender Treatment
      • Unproven Treatments

      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 upto 55 years age for individuals with no medical history
  • 141 daycare expenses
  • Comprehensive coverage: pre-and-post-hospitalization
  • Wide coverage: Sum Insured from Rs. 1,00,000 to Rs. 50,00,000
  • IT exemption: Under Section 80D of the Income Tax Act**

What’s Covered

    • Room rent, doctor’s fees, ICU charges, boarding expenses, nursing costs
    • Drugs, medicines and consumables consumed during hospitalization
    • Pre-Hospitalisation Expenses Up To 60 Days For Each Hospitalisation
    • Post-Hospitalization Expenses Up To 90 Days For Each Hospitalization
    • Day Care expenses for 141 daycare procedures
    • Physiotherapy as inpatient care and being part of the treatment
    • Maternity expenses after first 9 months
    • Reasonable & customary charges towards domiciliary hospitalization

What’s Not Covered

      We will not pay expenses in the following cases

    • Pre-existing diseases for the first 4 years
    • Specified Conditions During The First Year
    • Treatment Taken Outside India
    • Outpatient Department Treatment
    • Experimental Treatment
    • Expenses For Cosmetic & Plastic Surgery
    • Change-Of-Gender Treatment
    • Unproven Treatments

    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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FAQs about Arogya Top up Policy

Here are the commonly asked questions about Arogya Top up Policy

Anyone of age between 91 days to 65 years can be covered under the policy.

Yes, the Arogya Top up Policy can be bought by a person without any basic health insurance policy.

Yes, the organ donor pretest expenses are covered under the policy.

Yes, maternity hospitalization expenses are payable under the policy with a waiting period of 9 months – subject to the deductible amount.

Yes, the Sum Insured can be reinstated on payment of pro rata additional premium for the balance period; however, the insured has to opt for this benefit at the time of the inception of the policy.

Sum Insured options available are 1 lakh to 50 lakh, with increment of 1 lakh

The policy has an option of deductible from 1 lakh to 10 lakh, with increment of 1 lakh.

Yes, the ambulance charges up to 5000/- for the policy period are payable.

Yes, the policy is available for up to 3 years.

Product UIN

SBIHLIP22137V032122

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.
*Starting from Rs.81/Month for 1 Adult-Age 19 years ; ₹5 Lakh Sum Insured & ₹3 Lakh Deductible (Exclusive Taxes)
**Tax benefits are subject to change in Tax Laws

SBI General Insurance and SBI are separate legal entities and SBI is working as Corporate Agent of the company for sourcing of insurance products.
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