SBI General Arogya Plus Policy

What is the Plan all About?

Financial planning can go in vain, when you have to face serious health problems. Rising healthcare costs also make it more challenging. SBI Arogya Plus Policy provides financial protection against hospitalization expenses and OPD medical expenses. It takes care of medical expenses, and you can focus on treatment.

Key Features

Coverage for Individual & Family
Flexible sum insured options
No pre-policy medical check-up up to 55 years of age
OPD expenses are covered
Maternity coverage
Cashless treatment at 3000+ network hospitals
Tax benefits

Policy Benefits

In-patient hospitalization expenses, including Room Rent, Boarding, Nursing Expenses, Medical Practitioner Fees, ICU Charges, Operation Theater Charges, Anesthesia, Physiotherapty as in-patient care, Drugs & Consumables and other related medical expenses are covered.
Pre hospitalization expenses are covered for 60 days before hospitalization and post hospitalization expenses are covered for 90 days after hospitalization.
142 Day Care Procedures/Surgeries are covered up to the sum insured, for which the insured person requires hospitalization for less than 24 hours.
Domiciliary hospitalization expenses are covered, as specified under the policy.
Maternity expenses are covered up to OPD limit, as specified under the policy.
OPD consultation and treatment expenses are covered, up to the limit specified in the policy.

Value Added Benefits

Reimbursement of alternative treatment. Ayurvedic / Homoeopathic / Unani treatment is covered, when treatment is taken in any government Hospital, any institute Accredited by Quality Council of India, National Accreditation Board on Health or other hospital as specified under the policy.
Ambulance charges are reimbursed.
Cashless Treatment at the wide network hospitals.
Tax Benefit under section 80D of Income Tax Act, 1961.

Sub Limits

No sub-limit for room rent.
Ambulance charges, up to actual expenses incurred or Rs 1500, whichever is less are reimbursed for per valid hospitalization.

Waiting Period Clause

Initial Waiting Period: Claims arising during first 30 days of the policy start date, except accidental claims.
Specific Waiting Period: Some diseases/surgeries such as Hydrocele, Hernia, Cataract, Tonsillectomy, Hypertension, Diabetes, etc. are covered after 1 year from the commencement of the policy.
Pre existing Disease Waiting Period: Any pre-existing disease until 48 months of continuous policy coverage, from date of inception of the first policy.
Maternity Waiting period: There is a waiting period of 9 months when medical expenses incurred towards maternity hospitalization.

Who can Buy the Plan?

Factor	Minimum	Maximum
Age (as on last birthday)	3 Months	65 Years
Sum Assured	1 Lac	3 Lacs
Cover Type	Individual/Family Floater	-
Policy Tenure	1 Year	3 Years
Grace Period	30 Days	-
Free Look Period	15 Days	-
Riders	Nil	-