Know All About SBI Arogya Plus Policy

The Arogya Plus Policy from SBI General Insurance Company is a solid medical insurance policy available to anyone who wants protection for them and/or other friends and relatives. You may cover yourself, your lawfully married spouse, and up to two children under the floater option. The insurance offers a predetermined premium, keeping your wallet light while providing somewhat income security from medical expenses incurred in the course of OPD or hospitalisation. This policy, which is available in sum insured options of Rs. 1 lakh, Rs. 2 lakh, and Rs. 3 lakh, covers a variety of healthcare costs, including in-patient hospitalisation, OPD expenses, pre-hospitalisation and post-hospitalisation expenses, daycare expenses, ambulance expenses, AYUSH treatment expenses, domiciliary hospitalisation expenses, maternity expenses, and so on.
If you are under 55 years old and have no medical history, you will not need to do any pre-policy medical tests to be protected under the policy. Another advantage of being insured underneath this policy is that it has a lifetime renewability feature, which means you may renew it with the health insurance company's mutual permission. A rapid, fair, and transparent claim system, a 30-day grace period, no retirement age, and tax savings on insurance premiums are among the other benefits (under Section 80D of the Income Tax act, 1961). In another sense, it spares you of the stress of financing so that all you've to concentrate on is receiving the best possible treatment and returning to health as soon as possible. To know more about SBI Arogya Plus Policy, read on.

What Are The Key Features Of SBI Arogya Plus Policy?

Following are the key features in SBI Arogya Plus Policy -
1. In-Patient Hospitalisation - Anaesthesia, blood, oxygen, operating room expenses, surgical appliances, medicines and consumables, diagnostic expenses, and x-ray, dialysis, chemotherapy, radiotherapy, pacemaker, prosthesis/internal implants, dressing, ordinary splints, and plaster casts, and many other medical expenses incurred as an integral part of the operation are all covered by the plan.
2. No Requirement For Health Checkups - This ensures that you have extra cushion coverage in case your current plan is unable to cover all of your medical expenses. This plan assists you in receiving the greatest medical treatment by addressing the constraints of your existing plan's sum insured. Inpatient hospitalisation, pre-hospitalization, post-hospitalization, and day care operations are all covered under the HDFC Ergo Medisure Super Top-up Plan.
3. Domiciliary Hospitalisation - In some circumstances, such as when a patient is unable to travel or when beds are unavailable, the plan will allow the policyholder to receive domiciliary hospitalisation.
4. Free Look Period - According to the plan's protocol, the insured is given a 15-day free look time to conclude the policy. In any event, if the insured is unhappy with the plan, he or she has the option to terminate the insurance.
5. Grace Period - The policyholder is given a 30-day grace time to pay the premium for renewal. In the event of a failure, the coverage will lapse.
6. Hospitalisation Costs - All medical expenditures incurred during inpatient hospitalisation are controlled and reimbursed out from under the plan. Both pre-hospitalisation and post-hospitalisation expenditures are covered by procedures.
7. Claim Process - You can file a claim on your insurance if you incur a medical expenditure that is covered by the plan. If you are admitted to a networked hospital, you can file a cashless claim. The claim would be handled on a reimbursement basis in the case of a non-networked hospital.

Endnotes

You should now have a basic understanding of health insurance coverage after reading this article. However, before purchasing a plan, you should make sure you understand all of the terms and circumstances. Take a plan only if you are completely satisfied with it and have concluded that it meets all of your health insurance needs.

Also read- Advantages Of Family Floater Health Insurance Plans In India

Health Insurance Policy For Single Parent

Disclaimer: This article is issued in the general public interest and meant for general information purposes only. Readers are advised not to rely on the contents of the article as conclusive in nature and should research further or consult an expert in this regard.