Sbi General Arogya Plus Plan
SBI General Insurance Company Limited
Highlighted Features
Room Rent (Normal & ICU)
Covers hospital room and ICU charges up to the sum insured, ensuring financial security during hospital stays.
Advanced Treatments
The Arogya Plus Variant 1 plan from SBI General Insurance covers 12 advanced treatment procedures, with expenses covered up to 50% of the sum insured.
Policy Wording
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Our Verdict
SBI Arogya Plus is an affordable plan with fixed premiums, OPD coverage, and maternity benefits, ideal for individuals and families seeking basic coverage. However, its low sum insured may be insufficient for major treatments.
About the Plan
The Arogya Plus Health Insurance Plan from SBI General offers comprehensive coverage, including in-patient hospitalization, outpatient treatment, and alternative treatments. It also covers 141 day-care procedures, pre and post-hospitalization expenses, and provides a fixed premium regardless of age. The plan offers sum insured options of ₹1 lakh, ₹2 lakh, and ₹3 lakh, with policy terms of 1, 2, or 3 years. Additionally, there are discounts available for long-term policies and family coverage.
About the Plan
Features of the Product
Room Rent (Normal & ICU)
The Arogya Plus Variant 1 plan has no specific room rent limit, allowing flexibility based on your sum insured. ICU charges are also covered up to the sum insured.
Advanced Treatments
The Arogya Plus Variant 1 plan from SBI General Insurance covers 12 advanced treatment procedures, with expenses covered up to 50% of the sum insured.
Robotic surgeries
Stem cell therapy
Balloon sinuplasty
Deep brain stimulation, etc.
Co-payment
The Arogya Plus Variant 1 plan from SBI General Insurance does not have any co-payment requirements.
Waiting Periods
Initial Waiting Period: 30 days from policy inception, except for claims arising from accidents.
Specific Diseases/Procedures Waiting Period: 12 months for certain conditions, including gastric or duodenal ulcers, hernia, hydrocele, cataract, sinusitis, and joint replacement surgeries due to degenerative conditions.
Pre-existing Diseases Waiting Period: 48 months of continuous coverage before claims related to pre-existing conditions are admissible.
Cashless Healthcare Providers
Access to 16,881 network hospitals.
Day Care Treatments
Medical procedures requiring less than 24-hour hospitalization are covered up to the Sum Insured, as per the indicative daycare list.
AYUSH Treatment
Expenses for alternative treatments, including Ayurveda, Yoga, Unani, Siddha, and Homeopathy, are covered up to the Sum Insured.
Exclusions
Any illness diagnosed within the first 30 days of policy commencement, except for accidental injuries.
Pre-existing diseases are not covered until completion of the 48-month waiting period.
Cosmetic or plastic surgery unless required due to accident, burns, or cancer treatment.
Treatment related to alcohol or drug abuse, including rehabilitation expenses.
Injuries or illnesses caused due to participation in hazardous activities or adventure sports.
Expenses related to dental treatment, unless required due to an accident.
Infertility treatment, assisted reproductive technology (ART), and surrogacy expenses.
Any illness or injury resulting from war, terrorism, nuclear exposure, or biological weapons.
Experimental, unproven, or investigational medical treatments and procedures.
Self-inflicted injuries, suicide attempts, or treatment for psychiatric disorders unless covered under specific policy terms.
Treatment received outside India unless covered under an international add-on.
Congenital diseases or birth defects unless explicitly covered in the policy.
Medical expenses incurred for weight control treatments, including bariatric surgery, unless medically necessary.
Hospitalization primarily for diagnostic evaluations, observation, rest cure, or rehabilitation therapy.
Exclusions
Critical Illness Cover - Provides a lump sum payout if diagnosed with a covered critical illness like cancer, stroke, or heart attack, ensuring financial stability.
Hospital Cash Benefit - Offers a fixed daily cash allowance during hospitalization to cover incidental expenses not included in the primary health insurance plan.
Maternity & Newborn Cover - Covers maternity expenses, including delivery costs and newborn care, ensuring financial ease during pregnancy and childbirth.
OPD & Dental Cover - Reimburses outpatient consultations, diagnostics, pharmacy bills, and dental treatments, reducing out-of-pocket expenses for routine medical care.
Personal Accident Cover - Provides financial protection against accidental death or disability by offering a lump sum payout to the insured or their family.
International Treatment Cover - Extends coverage for specified treatments abroad, ensuring access to quality medical care worldwide.
Add-ons
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About the Company
SBI General Insurance was established in 2009 as a joint venture between State Bank of India and Insurance Australia Group (IAG). Headquartered in Mumbai, India, the company offers a comprehensive range of insurance products such as motor, health, home, travel, and commercial insurance. Their policies are designed to meet various customer needs, from individual coverage to family and corporate plans. The company also emphasizes customer-centric services and easy claim processes.
About the Company
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