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SBI Arogya Plus Policy Health Insurance

381 reviews Rate This
SBI Health Insurance
Arogya Plus Policy
Claim SettlementDedicated Team
Claim Settlement Ratio66.08%
COVID-19 CoverYes
Network Hospitals6,000+
Policies Sold7,56,443
RenewabilityLifelong

About SBI Arogya Plus Policy Health Insurance

Arogya Plus Policy offered by SBI General Insurance Company is a reliable medical insurance policy available for any individual who wants to buy cover for himself/herself and/or for his family members. Under the floater option, you can cover yourself, your legally wedded spouse and a maximum of two children. The policy comes at a fixed premium that keeps your pocket light and offers you much needed financial protection from medical expenses arising due to OPD or hospitalisation. Available in sum insured options of Rs. 1 Lakh, Rs. 2 Lakh, and Rs. 3 Lakh, this policy covers you for several healthcare expenses such as in-patient hospitalisation expenses, OPD expenses, pre-hospitalisation and post-hospitalisation expenses, daycare expenses, ambulance expenses, AYUSH treatment expenses, domiciliary hospitalisation expenses, maternity expenses, etc.

To be covered under the policy, you are not required to undergo any pre-policy medical test for up to 55 years of age if you have no medical history. Another benefit of being covered under this policy is that it comes with a lifetime renewability feature which means you can renew the policy with mutual consent from the health insurance company. Other benefits include fast, fair and transparent claim process, 30 days grace period, no exit age, and tax benefits on the premium paid (under Section 80D of the Income Tax act, 1961). In short, it takes away the stress of managing funds so that your only focus is to avail the best treatment so that you are healthy again soon.

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Key Inclusions and Exclusions of the Plan

What's Included

  • Room rent, nursing, boarding, and other hospitalisation expenses
  • Expenses related to OPD consultation, teleconsultation and treatment
  • Pre-hospitalisation and post-hospitalisation expenses for up to 60 days and 90 days respectively
  • Expenses arising due to 141 daycare expenses
  • Ambulance expenses for up to Rs. 1,500
  • Reasonable and customary charges arising towards domiciliary hospitalisation

What's Not Included

  • Treatments availed outside the geographical boundaries of India
  • Expenses related to treatment(s) required due to participation in hazardous sports
  • Treatment required due to the insured committing any breach of law with criminal intent
  • Cover for change of gender treatments
  • Cosmetic or plastic surgeries
  • Hospitalisation for investigation and evaluation purpose is not covered under this plan.

17100 SBI Cashless Network Hospitals in India

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Arogya Plus Policy User Reviews

4.6
Rating based on
381 User reviews
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What users are saying
  • All
  • One Day icu , Rate as Premiums

    Very nice Policy,

    V
    By VijayMehta
    On: Jan 29, 2021
  • Highlighted key features

    When I was navigating through InsuranceDekho, the highlighted key features part caught my attention. It showed the benefits that were included with that particular plan. I could understand and compare policies even better this way. I chose SBI Arogya Plus policy for my family.

    Read More

    S
    By Sumit Chatterjee
    On: Dec 02, 2020
  • Arogya plus is really nice pla...

    I was looking for a plan that can cover more than just basic expenses. Luckily, I found this one. I am really satisfied with my choice because I have been covered for ambulance expenses, day care expenses for 142 procedures, OPD consultation and treatment, room rent, ICU, nursing, and other medical costs at a reasonable premium amount.

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    A
    By Amrendra Nath
    On: Feb 28, 2020
  • Money invested at right place

    I told insurancedekho people that I was looking for a comprehensive policy. They told me about this plan and I bought it without asking questions. This plan is really good. Covers various features like pre & post hospitalization, day care, maternity, OPD consultation and treatment, etc. Lastly, premium is affordable.

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    G
    By Gopesh
    On: Feb 21, 2020
  • Got it at less premium

    I am satisfied with my cover for this plan. Features i have got are OPD treatment, in-patient care, pre & post hospitalisation, day care expenses, ambulance cover, alternative treatment, etc. I have bought this policy for 2 years at a very less and affordable premium amount. 

    Read More

    K
    By Kishore Saxena
    On: Feb 17, 2020
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SBI Arogya Plus Policy Expert Review

  • Expert Review

    Arogya Plus Policy is SBI General Insurance’s one of the key health insurance policies. A comprehensive plan, finely designed to suit the medical needs of individuals and families, Arogya Plus is the perfect choice if you want an extensive cover at an affordable premium rate. The best thing about the plan is that it will help you focus on treatment rather than worrying about your financial stability. Isn’t it something you would also want at a time like such?

    Arogya Plus Policy is a great choice for any individual between the age group of 3 months to 65 years. You can opt this policy for 1, 2, and 3 years, and on both, individual as well as family floater sum insured basis. Offering the best financial support at an affordable premium rate, Arogya Plus Policy comes with a sum insured range of Rs. 1 Lakh to Rs. 3 Lakh. All in all, this policy proves to be the ultimate savior for you, when you want to tackle a medical emergency situation without running out of money.

  • Major Attractions

    SBI General’s Arogya Plus Policy has a lot to offer. Buying the policy will help you handle numerous expenses including those related to inpatient hospitalisation, pre-hospitalisation, post hospitalisation, emergency ambulance, and multiple others, without breaking your bank. However, below listed are a few key additional features that increase the value of the policy even more- 

    • No co-payment or deductible attached
    • Multiple coverage options - individual and family floater 
    • 60 days pre and 90 days post hospitalisation covered
    • Coverage for OPD consultation and treatment expenses as specified in the policy schedule
    • No pre-policy medical test up to the age of 55 years for people with no medical history
    • Coverage for 142 daycare expenses
    • Maternity expenses covered up to the OPD limit
    • Expenses reimbursed for alternative treatment 
    • Domiciliary hospitalisation expenses covered

  • What’s More?

    SBI General’s Arogya Plus Policy is an excellent choice to make if you are looking forward to getting covered for OPD expenses. However, there are multiple elements apart from no pre-policy medical tests, OPD coverage and medical expenses cover that make it a major preference for many. Some of the key aspects of this popular policy include - 

    • No exit age
    • Lifelong renewability
    • Easy claim settlement
    • Long term discount - 5% discount for 2 years & 7.5% discount for 3 years
    • Family discount - 5% for covering 2 members & 7.5% for covering more than 2 members of the family
    • Tax benefits under Section 80D of the Income Tax Act, 1961

  • Conclusion

    Arogya Plus Policy is the best option to go with to enjoy wide coverage at a minimal premium amount. This policy can definitely be relied on to take care of one’s medical expenses without facing financial distress.

    Purchasing Arogya Plus Policy online will be a better move to make so that you can get your policy issued quickly. In addition to the same, you can make your online policy purchase from InsuranceDekho to make the most of policy portability, claim settlement support, policy transparency, and numerous other benefits to gain a complete hassle-free experience.

SBI Arogya Plus Policy Brochure

  • 4.04 MB
  • PDF Document
  • Jul 12, 2019
Download PDF

Claim Process at SBI Health Insurance

  • Network Hospital
  • Non-Network Hospital
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation as soon as it occurs and for planned hospitalisation intimate as soon as it occurs prior to admission.
  • 3

    Claim Processing

    Fill in the pre-authorisation form and hand it over to hospital's insurance/TPA desk to initiate claim request.
  • 4

    Claim Settlement

    Once your request is approved, claim is settled. If not approved, claim for reimbursement after discharge.
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation as soon as it occurs and for planned hospitalisation intimate as soon as it occurs prior to admission.
  • 3

    Claim Processing

    Submit claim form with original documents such as doctor’s reports, hospital bills, diagnostic tests, etc.
  • 4

    Claim Settlement

    Once your request for reimbursement of expenses is approved, the claim will be settled.

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FAQs on Arogya Plus Policy Health Insurance Plan

  • Does Arogya Plus Policy offer lifetime renewability benefits to the insured?

    Yes. If covered under Arogya Plus Policy, you can renew the policy with mutual consent, provided you pay the required premium within the stipulated time before the policy expiry date. 

  • What is the sum insured range for SBI Arogya Plus Policy?

    The sum insured options available under the policy are Rs. 1 Lakh, Rs. 2 Lakh, and Rs. 3 Lakh.

  • What is the eligibility criteria for SBI Arogya Plus Policy?

    While the minimum entry age for the policy is 3 months, the maximum age of entry is 65 years.

  • What is the exit age under SBI Arogya Plus Policy?

    There is no exit age under the policy, therefore it comes with lifelong renewability.

  • Does SBI Arogya Plus Policy cover maternity expenses?

    SBI Arogya Plus Policy covers maternity expenses up to the OPD limit only. 

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