The SBI General Arogya Plus Policy is unique. SBI Arogya Plus plan offers OPD Benefits on a flat premium payment. The policy’s key benefits include no medical tests until age 55, OPD coverage, day care treatment, domiciliary treatment, cashless hospitalisation, and pre & post-medical cover.
Table of Contents
SBI General Arogya Plus Health Insurance – Key Benefits
- No medical test up to age 55 with no medical history
- Provide cover for OPD and hospitalization both
- Individual & Floater – both options available
- 142 day care procedure available
- Ayush treatment is available
- Ambulance cover
| SBI General Arogya Plus | |
| Feature | SBI General Arogya Plus |
| Eligible members | Self, spouse,dependent children, parents & parent in laws |
| Minimum Age at Entry | 91 days |
| Maximum Age at entry | 65 years |
| Sum Assured | 1 lac. 2 lac, 3 lac |
| Room Rent | No limit |
| Sub limit | NA |
| Renewability | life long |
| Pre hospirtalization | 60 days prior |
| Post Hospitalization | 90 days after hospitalization |
| Waiting Period | 30 days intial waiting period |
| Pre- existing cover | 2 yrs |
| Day care procedures | 142 day care procedure covered |
| Domiciliary treatment | Covered |
| Ambulence | Up to Rs 1500 |
| Air ambulence | NA |
| Organ donor | NA |
| Restore Benefit | NA |
| Unlimted Restore benefit | NA |
| Multiplier benefit/ Bonus | Not specified |
| E Opinion in respect of a critical illness | NA |
| Daily cash for choosing shared accomodation | NA |
| Stay active Benefit | NA |
| OPD Cover | Yes |
| Tax benefits under 80D | Yes |
| Health check limit | NA |
| renewal | Yes |
| Preventive health check up | NA |
| Premium Individual / Family Floater | |
| 1 lac / 2 lac / 3 lac | Rs 10502 /15753/ 21004 |
| Alternate treatment | Yes, Only Ayush treatment |
| Ayush Treatment | Yes |
| Co Payment option | NA |
Downside of the plan
- Sum Assured only up to 3 lac is available
- No Claim bonus is not provided
- Organ donor facility not provided
SBI general insurance Arogya plus-Suitable for whom?
Arogya Plus SBI is suitable for those who require OPD cover in low premium payment. This policy is good for basic hospitalisation coverage and OPD. Before buying please consider the facts like no claim bonus is not provided and there is no restoration of sum assured. This also means that one can use health insurance cover for only up to sum assured.
The minimum premium is Rs 10502 /15753/ 21004 only. One can avail 1/2/3 lac cover in Rs 10502 /15753/ 21004 only. The only difference will be in OPD Cover amount.
For instance a person of Age 26 can take insurance cover of 1 lac,2 lac or 3 lac in Rs 10502 /15753/ 21004. The only difference will be of OPD Cover.
SBI General Arogya Plus Brochure
https://www.sbigeneral.in/portal/buy-online/uploads/policy_pdf/ArogyaPlusProductBrochure.pdf
Here, one can take cover by giving a flat premium to the company but in this flat premium the OPD cover amount changes with age and sum assured opted for.
Example is given below.
OPD Cover For Premium Rs 10502, Age 26
The OPD Benefit for 1 lac Cover – Rs 7000 Each year
The OPD Benefit for 2 lac Cover – Rs 5500 Each year
The OPD Benefit for 3 lac Cover – Rs 4000 Each year
OPD Cover For Premium Rs 10502, family of 4 – Eldest member is 26
The OPD Benefit for 1 lac Cover – Rs 4000 Each year
The OPD Benefit for 2 lac Cover – Rs 1500 Each year
The OPD Benefit for 3 lac Cover – Rs 500 Each year
What Is Not Covered In The Policy?
- Complications or treatment arising out of pre-existing conditions, until 48 months after the Policy was purchased.
- First 30 days exclusion for illness/sickness except hospitalisation due to injury.
- First 9 months exclusion for Maternity expenses.
- Treatment taken outside India.
- Injury/disease directly or indirectly caused or contributed due to nuclear weapons/materials, war, invasion, acts of foreign enemy, hostilities etc.
To purchase a Health insurance Plan or review -Please contact us on 8178594989 or write us on info@bestinvestindia.com.
