Arogya Plus SBI General Insurance Co. Ltd.

4.5

Paybima Rating

Policy Brochure

Policy Wording

Claim Form

Investing in robust health insurance has become a necessity of the hour, especially with the rising medical inflation in the country. When selecting a health insurance plan, comprehensive coverage and flexible policy tenure are two key features to consider. Enters SBI Arogya Plus with its comprehensive base coverage, flexible policy tenure, and affordable premiums.

SBI General Insurance Company has become a trusted option for many Indians seeking cost-effective and efficient policies. SBI Arogya Plus is worth exploring for individuals of all age groups. Let’s break down the highlights and features of the policy.

Highlights of Arogya Plus - SBI General Insurance Co. Ltd.

Sum insured options of 1, 2 and 3 lakhs.

Multiple Coverages for individuals and families.

Buy long-term policy for up to 3 years and get discounts

141 day care expenses covered.

Get all your insurance related queries answered

Features and Benefits of SBI Arogya Plus

SBI Arogya Plus is a comprehensive health insurance with impressive features and exciting discounts. Let’s explore the key features and benefits of SBI Arogya Plus in detail:

An Extensive Coverage

The plan offers a wide range of base coverages that cater to every individual’s needs effectively. From hospitalisation expenses to coverage for major illnesses, the policy comes in as a helping hand in all situations.
What Do You Get?

Hospitalisation Expenses
Pre- and Post-Hospitalisation Coverages
Ambulance Expenses
Alternative Treatment
Domiciliary Hospitalisation
Mental Illness Cover and a lot more

Seamless Claim Settlement

Another key benefit of investing in SBI Arogya Plus is its quick claim settlement. You no longer have to wait for unreasonable days to get your claims settled. To receive reimbursement, please notify the insurance company within 15 days.
Did You Know that the policy promises a cashless claim settlement at its network hospitals all across the country?

Flexible Policy Features

Before purchasing a health insurance plan, it's essential to know that one size doesn’t fit all. You need a plan that caters to your needs, and this is where SBI Arogya Plus comes into the picture with its flexible policy features, tenure and sum insured. Additionally, you can choose between individual and family floater plans depending on your needs.

Quick Application and Approval

While purchasing health insurance, the last thing you want is a tedious application and approval process. SBI Arogya Plus offers a quick application and approval process that can be completed from the comfort of your own home.

Wish to Enhance Your Coverage? Take a Look at the Riders Available

SBI Arogya Plus: Eligibility Criteria

Purchasing SBI Arogya Plus is a straightforward process, but individuals must meet specific eligibility criteria. Take a look at the SBI Arogya Plus eligibility criteria:

Any individual between the ages of 18 to 65 years can purchase the policy.
The minimum entry age is 3 months, and the maximum entry age is 65 years.
There is no age limit for exiting the policy.

SBI Arogya Plus: Highlights

SBI Arogya Plus is a carefully designed health insurance policy that caters to the varying needs of every individual. Let’s take a look at the highlights of SBI Arogya Plus to make an informed decision.

Particulars	Details
Policy Name	SBI Arogya Plus
Insurance Company	SBI General Insurance Company Limited
Policy Tenure	1, 2 & 3 Years
Network Hospital	16,625+
Claim Settlement Ratio	98%
Medical Screening	Not required up to 55 years of age
Discounts	Up to 7.5% when you opt for long-term policy and family cover
Day Care	141 Day Care expenses covered

SBI Arogya Plus: What is Covered?

Investing in SBI Arogya Plus is a step towards choosing a robust and comprehensive health insurance policy that promises to cater to your medical needs, anytime and anywhere. Here’s a glimpse of the coverage you can enjoy under the plan:

Hospitalisation Expenses

The plan covers the hospitalisation expenses of the insured, which include room rent, boarding, medical practitioner fees, nursing expenses, diagnostic procedures, dirges, and medicine expenses, among others.

OPD Treatment and Teleconsultation

Expenses incurred on OPD treatment or telecommunication as advised by an authorised medical practitioner for any injury, illness, or disease.
Note: The amount covered exceeds the limit specified in the policy schedule.

Pre- and Post-Hospitalisation Expenses

The pre- and post-hospitalisation expenses are covered under the plan. Here’s what you should know:

Pre-hospitalisation expense is limited to 60 days before hospitalisation.
Post-hospitalisation expenses are limited to 90 days after the hospitalisation.

Day Care Expenses

Expenses incurred on surgeries or procedures that take less than 24 hours of hospitalisation are covered under the plan.

Maternity Expenses

Delivering a baby can be expensive, especially in urban areas. The plan covers your maternity expenses.
Note: Coverage is limited to the OPD section and is limited as specified in the policy schedule.

Mental Illness Cover

Medical expenses incurred on treating a mental illness are covered up to the limit as specified in the policy schedule.
Note: Hospitalisation must be prescribed and performed at an authorised centre.

HIV/AIDS Cover

Expenses incurred for inpatient treatment of any illness associated with the immunodeficiency virus or mutant are covered.

SBI Arogya Plus: What is Not Covered?

SBI Arogya Plus is a robust health insurance plan, but it comes with certain exclusions that you must be mindful of:

Pre-Existing Diseases

Expenses incurred on treating pre-existing diseases or complications arising from such pre-existing diseases.

Breach of Law

Any treatment for injury arising from a direct breach of law is not covered under the policy.

Sterility and Infertility

Expenses incurred on sterility and infertility are not covered. This includes:

Any form of sterilisation
Any form of assisted or advanced reproductive services like IVF, ZIFT, etc.

Unproven Treatments

Expenses incurred on any unproven treatment are not covered. Unproven treatments are those treatments that lack evidence of their medical effectiveness.

Hazardous or Adventure Sports

Any injury arising from performing hazardous or adventure sports is not covered under the policy.

Pros & Cons of Arogya Plus - SBI General Insurance Co. Ltd.

The most interesting feature of Arogya Plus Policy is that it requires no medical check-up for people up to 55 years of age if they don’t have any medical history

The plan offers multiple coverage under both individual and family floater options

Multiple sum insured is another good feature that appeals to people about this plan

The policy covers alternative treatment undertaken in any of the accredited hospitals

The plan allows up to 7.5% discount on long term policy and family cover

The coverage of OPD expenses is another feature of the Arogya Plus Policy

The policy excludes the coverage on pre-existing diseases starting from date of buying the policy till it is active for up to 4 years

The plan excludes the expenses of certain illnesses in the first year of the policy like gall bladder stones, ulcers, hernia, cataract, sinusitis, etc.

The plan doesn’t cover treatment that was undertaken outside the country

The policy doesn’t allow hospital admission of insured for evaluation and investigation purpose

It also excludes experimental treatments like change of gender

Sterility and infertility are also not covered under the plan

Our verdict

Purchasing a health insurance plan that takes care of your medical bills, whether it is for emergency needs or treatment for critical illnesses, has become easier than ever. SBI Arogya Plus is designed to offer a helping hand at all times. You can trust SBI General Insurance Company to settle your claims without any hassle and enjoy cashless benefits at more than 16,625 network hospitals.

Choosing Paybima to purchase your health insurance plan not only promises an easy initial experience but also allows you to keep track of your claims, discounts, and other details at all times.

Speak to an Advisor

SBI General Insurance Co. Ltd.
Insurance Company

SBI Health insurance is a part of the SBI General Insurance Company and is known for its most promising healthcare insurance product range. The health insurance plans offered by SBI are so designed to cover individuals and families alike against numerous expenses caused due to diseases and any other health emergencies. Further, the SBI health plans are easily affordable and so anyone can buy and access them. SBI being a trustworthy name in India is well accepted by people for their innovative insurance solutions.

Founded in

2009

Claim Incurred ratio

73.92%

Turnover (GWP)

INR 12,731 crores.

JV Partners

State Bank of India (SBI) & Insurance Australia Group (IAG).

Claims Experience

Claims Experience Rating 4.7

Claims Incurred Ratio

73.92%

Claim Settlement Ratio

96.47%

No. of Cashless Hospitals

16625+

Benefits of Arogya Plus - SBI General Insurance Co. Ltd.

In-patient Hospitalization
ICU Rent Limit	4% of SI/ day
Room Rent Limit	2% of SI
Pre & Post Hospitalization
Post-hospitalization expenses	Sum Insured
Post-hospitalization expenses	180 days
Pre-hospitalization expenses	Sum Insured
Pre-hospitalization expenses	60 days
Day Care Treatment
Financial Limit	Up to SI or sum insured
No. of treatments covered	500+ treatments

Top Health Insurance Plans by SBI General Insurance Co. Ltd. Insurance Company

Arogya Supreme

Hand-hold by our expert advisor till making the right choice

Meet In Person Talk to an Advisor

70% of customers choose our advisor support for better coverage clarity.

Paybima Trusted by Millions of Customers

4.5

40+ Insurers

Wide range of trusted providers

560+ Advisors

Expert guidance at every step

31 Stores

Personalized service across India

Ask Anything as We Have Answers to Everything in Insurance

Alternative Treatment such as Homeopathy, Ayurveda or Unani are covered if it is carried on in a government run hospital institutes recognized by government up to the SI.

The Arogya Plus Policy doesn’t levy any co-pay to the insured.

Yes, the Arogya Plus Policy can be bought for minors in case the parents of the minor are covered under the plan.

You can have 2 policies but cannot avail benefit under both the policies simultaneously. The insured can raise claims under any one policy of the two. However, if the amount claimed exceeds the limit of that policy, the person can use the other policy for the additional amount.

Yes, it allows portability.

You can purchase the SBI Arogya Plus plan directly from the official Paybima website by following a simple process. The policy can also be purchased directly from the insurance company by visiting their official website.

Yes, SBI Arogya Plus is portable. This means that you can easily transfer the policy if you move to a different city.

You can undergo medical check-ups at any authorised medical centre or practitioner listed by the SBI General Insurance Company.