Network hospitals
6000+
Incurred claim ratio
73.92%
Sum insured
Up to 2 Cr
No. of Plans
1
Solvency Ratio
1.8
Pan India Presence
141+
SBI Arogya Plus policy is a fixed premium plan that offers financial protection to you and your family during a medical emergency. The plan provides coverage against the medical expenses incurred during hospitalization & OPD. Arogya Plus Policy by SBI General Insurance is available on an individual and family floater plan type and offers an array of benefits to the policyholder. The policy is designed to cover you and your family from healthcare expenses such as in-patient hospitalization expenses, pre & post-hospitalization expenses, AYUSH treatment expenses, domiciliary hospitalization expenses, etc. In the section below explore more about the plan and its several features.
To understand Arogya Plus Policy Insurance in detail, take a look at the below table:
3 Months to 65 Years
Individual and Family Health Insurance
1 L | 2 L | 3 L
30 Days
Lifelong
1/2/3 years
*Initial Waiting Period is the time period between the issuance of the policy and the time it starts actively. During this period, a policyholder has to wait to avail of the benefits offered under a health insurance plan.
With wide coverage options available, Arogya Plus Policy Insurance Plan allows you to choose your ideal coverage as per your family’s health requirements. Take a look at the coverage under every SI option available and choose your ideal coverage:
Room Rent
Covered
ICU Charges
Covered
Pre-Hospitalization
Covered
Post-Hospitalization
Covered
Domiciliary Hospitalization
Covered
Daycare Treatment
Covered
OPD Charges
Covered
COVID-19 Treatment
Covered
Cataract
Covered
No Claim Bonus
Not Covered
Automatic Restoration
Not Covered
Daily Hospital Cash
Not Covered
Organ Donor
Not Covered
Maternity Cover
Covered
New Born Baby Cover
Not Covered
AYUSH Treatment
Covered
IVF Treatment
Not Covered
Modern Treatment
Covered
Ambulance
Covered
Air Ambulance
Not Covered
Compassionate Travel
Not Covered
Global Coverage
Not Covered
E-Consultation
Not Covered
Health Check-Up
Not Covered
Second Medical Opinion
Not Covered
Vaccination
Not Covered
Co-payment
Not Covered
Sub-limits
Covered
The room rent limit is the maximum bed charge you can claim if you are hospitalised. Common Room categories covered under room rent are all kinds of rooms including single, private and AC rooms (except suite).
It is a special hospital department where patients with serious medical conditions are treated.
Medical expenses incurred before hospitalisation of the policyholder.
Medical expenses incurred after the discharge of the policyholder from the hospital.
Domiciliary hospitalization or home care treatments are the arrangements for an insured individual due to the unavailability of medical amenities in hospitals, or in a case where an insured member can not be admitted to the hospital due to an inability. The treatment should last equal to or more than 72 hours to get financial coverage.
Treatments that can be completed within 24 hours of hospitalization like blood dialysis, cataracts, etc.
Covers the cost of doctor consultations and prescribed medical tests that may not require hospitalization. .
It includes the treatment cost for COVID-19 with a confirmative diagnosis from a government-approved centre.
A common eye condition in which your vision gets blurred due to cloudy formation in your eyes.
For every claim-free year, insurance companies reward policyholders with an increase in the sum insured amount as a no-claim bonus or cumulative bonus on policy renewal. However, in the case of a claim, this bonus amount either lapses or is reduced by a certain percentage varying from one plan to the other.
It is a benefit in which an insurance company restores the amount of sum insured completely or up to a certain percentage after it gets fully exhausted in treatments. This restoration amount may vary from one plan to the other.
Daily hospital cash or Hospicash is a cash amount that you receive each day during the time of hospitalization to cover your non-medical expenses.
It is a cover that includes the cost of the procedure for removing the damaged or malfunctioning organs from the body. In most of the cases, the insurer pays for the hospitalization and transplant expenses for both the parties i.e. the donor and the receiver.
It refers to the cover that includes expenses for normal and c-section deliveries.
It takes care of the medical expenses that arise due to the hospitalisation of the newborn baby in case of any childbirth complications, medical challenges, and so on. Some of the common treatments that are covered under the newborn cover and these common treatments can vary from plan to plan:
Refers to the cost of medicines and procedures used under AYUSH (Ayurveda, Yoga & Naturopathy, Unani, Siddha, and Homeopathy) treatment.
In Vitro Fertilization (IVF) is a method of assisted reproductive technology. The common expenses incurred under IVF and infertility treatments are settled or reimbursed for:
Medical treatments that demand the use of modern technology and advanced machinery such as robotic surgeries, stem cell therapy, etc.
An ambulance is used to move the patient from home to the hospital, transfer them to another hospital, and take them for different tests outside the hospital.
Air ambulances are specially prepared planes that transfer the patient from one place to another in case of a health emergency.
Refers to the travelling expenses of a family member who’s visiting the hospital to look after the patient when the policyholder gets admitted to a hospital outside his/her residential city.
Any kind of medical/health emergency when you are outside of India is covered for hospitalization expenses, modern and specific treatments, etc.
If a policy offers e-consultation it allows policyholders to connect with a doctor for medical consultation through video chat, audio call, or chatbot.
A facility where the policyholder can avail of free health check-ups after fulfilling the company's eligibility criteria. In most cases, the insured member/s gets an annual health check-up cover.
If the policyholder wants, they may opt for a second medical opinion wherein the policyholder can consult another doctor within the company’s network of medical practitioners.
Coverage against the expenses incurred on vaccinations of either the newborn baby, for an animal bite, etc is provided by the insurance companies.
In the co-payment clause, policyholders have to pay a preset amount (either compulsorily or voluntarily) of the hospitalisation expense on their own and the insurer will pay the rest of the medical bill amount.
Sub limit is a condition in which the insurer will have to pay the medical expense up to a certain percentage and the remaining amount will have to be paid by the policyholder. For instance, if your policy covers room rent for upto 20% of the sum insured, but the expense of the same is more than 25%, you will have to pay the rest amount, i.e. 5%, for your room rent.
Below mentioned are some of the SBI Arogya Plus Policy Benefits. Take a look:
SBI Arogya Plus Health Insurance Review
SBI Health Insurance Network Hospitals are present in 31 states nationwide. With a wide network of hospitals, SBI Health Insurance ensures that you are medically secured, irrespective of the city you reside in.
Understand the premium calculation of SBI Arogya Plus with the help of the sample premium shown below. We at PolicyX.com have calculated the premium amount for the SBI Arogya Plus plan for both individuals and family floaters with different sums insured.
Sum Insured (in Rs.) | 1 Lakh | 2 Lakh | 3 Lakh |
Premium (in Rs.) | 7000 | 5500 | 4000 |
Sum Insured (in Rs.) | 1 Lakh | 2 Lakh | 3 Lakh |
Premium (in Rs.) | 6000 | 4500 | 2000 |
The treatment operated outside India does not get coverage.
Nuclear weapon/material inflicted injury.
Hostilities, war, an act of a foreign enemy, invasions, etc.
Intentionally self-inflicted injury, or injury due to violation of any law.
Epidemic disease recognized by WHO or Indian Government.
Cosmetic or aesthetic treatments of any description, Lasik treatment for refractive error. Any form of plastic surgery (unless necessary or the treatment of illness or accidental bodily injury)
Vaccination or inoculation except as part of the post-bite treatment of animal bite.
To cater to the different medical needs of an individual & their family, SBI Health Insurance offers several Health Plans ranging from senior citizen plans to specialized plans for autistic children, to health insurance for cardiac patients, and many more.Take a look below to SBI Health Insurance plans explore more:
Individual
Would you believe if we say that the SBI Divyanga Suraksha health insurance plan provides healthcare for people with disability or any pre-existing HI...
Unique Features
Individual and Family Health Insurance
SBI Arogya Premier Policy is a comprehensive health insurance plan that is designed to protect you and your family from uncertain medical expenses. Th...
Unique Features
Individual and Family Health Insurance
SBI Arogya Plus policy is a fixed premium plan that offers financial protection to you and your family during a medical emergency. The plan provides c...
Unique Features
Individual and Family Health Insurance
SBI Arogya Top-up Policy is a health insurance top-up policy that is designed to provide additional coverage to policyholders when their standard heal...
Unique Features
Individual and Family Health Insurance
SBI Arogya Sanjeevani Policy is a standard health insurance policy that comes with an affordable premium and offers a bucket full of benefits to its p...
Unique Features
Critical Illness Health Insurance
SBI Critical Illness Insurance Policy offers you financial protection from 13 important critical illnesses, this policy offers a fixed sum, irrespect...
Unique Features
Individual
SBI Loan Insurance policy offers comprehensive coverage to the policyholder and helps them to repay their loan in case of medical emergencies arising ...
Unique Features
Individual and Family Health Insurance
SBI Arogya Supreme health plan is a diverse health insurance plan that provides a solution for all your healthcare needs. It covers 20 basic covers an...
Unique Features
Group Health Insurance
SBI Group Health Insurance is a comprehensive plan, as it provides wider coverage to its customers as well as their family members. Group health insur...
Unique Features
Individual and Family Health Insurance
SBI Health Edge is a newly introduced health insurance plan from SBI Health Insurance which is customizable and is available to insurance holders base...
Unique Features
Individual and Family Health Insurance
SBI Super Health Plan is SBI Health Insurance's new comprehensive health insurance plan. The plan is an umbrella health plan that provides all-inclusi...
Unique Features
SBI Arogya Plus Health Insurance covers self, spouse, and dependants like children, parents, and parents-in-law.
If you are under the age of 55 and have no medical history, you do not need to have a pre-policy medical check-up to buy this policy.
SBI Health Insurance offers 30 days grace period to renew your SBI Arogya Plus plan. However, coverage would not be allowed during the grace period.
Yes, alternative treatments such as Ayurveda, Homeopathy, Sidha, and Unani are covered under this policy.
SBI Arogya Plus Policy has 4 years waiting period for pre-existing diseases.
Yes, there is a free look period of 15 days from the receipt of the policy
No, the SBI Arogya Plus policy does not offer a no-claim bonus benefit.
No, You can not change the sum insured amount during the policy tenure. You can increase the sum insured amount only at the time of renewal.
There are multiple benefits provided with SBI Arogya Plus like expenses for OPD consultations, Hospital expenses, 141 daycare procedure expense cover, maternity expenses, family floater, family non-floater, and more.
Tenure options available are 1 year, 2 years, and 3 years.
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Naval Goel is the Founder and CEO of PolicyX.com (IRDA- Approved Insurance Comparison Website). He is a CFA charter holder (USA) and FRM (GARP). He holds an MBA from IIFT, Delhi, and is also an Associate from the Insurance Institute of India. Naval is an avid investor and entrepreneur who has a deep understanding of the Indian equity market and insurance sector. He has been investing for more than 10 years now and is a CFA charter holder.
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February 5, 2023
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