General Insurance

SBI General Arogya Plus Policy

Eligibility Criteria

Minimum Entry Age 3 months for children, 18 years for adults
Maximum Entry Age 65 years of age
 

Benefits

  • No pre-policy medical test up to the age of 55 years for people with no medical history.
  • Sum insured options - 1 lac, 2 lacs & 3 lacs.
  • 142 days care expenses covered.

Product Features

Key Features

Sum Insured

Sum Insured is the amount of cover provided by the insurance company.
The plan provides a coverage of Rs. 1 lac, Rs. 2 lacs and Rs. 3 lacs.
In-patient hospitalisation

This covers hospitalization expenses due to an illness or accident.
The plan covers hospital accommodation, charges for stay in Intensive Care Unit, related hospitalization expenses such as surgeon’s fees, nursing, anesthesia, blood, oxygen, operation theater charges, surgical appliances, medicines, drugs and consumables up to the sum insured.
Pre-hospitalisation

It covers the medical expenses due to an illness before the insured is hospitalized.
The plan covers pre-hospitalization expenses 60 days prior to date of admission into the hospital.
Post-hospitalisation

It covers the medical expenses due to an illness after the insured is discharged from hospitalization.
The plan covers pre-hospitalization expenses 90 days after the date of discharge into the hospital.
Health check-up

A free medical check-up is provided by the insurance companies to its policyholders.
This plan provides free health check-up which is 1% of sum insured up to a maximum of Rs. 5000/- for every 4 claim free years.
Ambulance Cover

In case of an emergency, the ambulance charges are covered by the insurance company.
This plan covers ambulance expenses up to Rs. 1500/-.
 

Other Features

Alternative treatment

Treatment like AYUSH, will be considered as alternative treatment
This plan covers alternative treatment such as AYUSH.
OPD benefit

OPD is termed as Out patient department
Covers expenses for OPD consultation and treatment up to specified limit.
Day Care Treatments

These are treatments that don’t require a 24-hr hospitalization and conducted in a hospital or day-care center.
Covers Select Day care surgery where less than 24 hours hospitalization for specified procedures like Dialysis, Chemotherapy, Radio therapy, Eye Surgery, Dental surgery (due to accident), Tonsillectomy, etc. Are covered.
 

Exclusions

  • Any disease contracted during the first 30 days commencement of the policy.
  • Joint replacement surgery shall be covered after a waiting period of 3 years from commencement of policy except done due to an accident.
  • Congenital diseases
  • All expenses related to AIDS and related diseases.
  • Use/Abuse of intoxicating drugs or alcohol.