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SBI Arogya Plus Health Insurance Plan

SBI Arogya Plus Health Insurance Plan - The cover helps tide against rising costs of OPD and hospitalisation expenses, and ensures the policyholders do not spend too much of their money on hospital bills. These medical bills can be crippling and make a huge dent on people’s current and future financials. In addition, most of the policies in the market offer a limited cover against expenses. Moreover, these covers do not protect against day OPD expenses and the individual is left fending against all these expenses on their own. This is where SBI General Arogya Plus Policy helps people to tide over expenses. Listed below are the essential features of the plan:

  • SBI General offers two plan options: Individual and Family with Sum Insured for dependents being equal or less than the Sum Insured for the primary party
  • Minimum and Maximum subscription to the plan can be made at 3 months and 65 years respectively
  • Offers Sum Insured options of Rs. 1,00,000, Rs. 2,00,000 and Rs. 3,00,000 for hospitalisation of the insured; OPD reimbursement depends on factors such as age, premium and family type
  • Has a flat premium that remains same for all ages. The per annum premiums are Rs. 8,900, Rs. 13,350 or Rs. 17,800 for Sum Insured of Rs. 1 lakh, Rs. 2 lakh and Rs. 3 lakh respectively
  • Provides three tenure options – 1 year, 2 years and 3 years
  • Has no sublimit on maternity expenses, covering them for the full sum of the policy. It also treats maternity expenses under OPD benefit, provided the maternity expenses were incurred after 9 months of taking the policy
  • Does not cover pre-existing illnesses for the first 4 years of the plan and certain specified illnesses for the first year of the cover
  • Does not require any medical tests for people aged 55 years or below if they have no medical history
  • Covers pre and post hospitalization expenses for 60 and 90 days respectively
  • Safeguards against 142 OPD (day care) procedures
  • Provides ambulance expenses reimbursement benefits up to Rs. 1,500
  • Insured can claim tax benefit under section 80D of the Income Tax Act

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