SBI Arogya Plus Policy: Everything You Need to Know

When a medical emergency occurs, even the best-laid financial plans can go awry. If one is unprepared, these events can have a significant financial impact. Using a standard insurance plan to manage such unexpected, significant, and immediate medical bills is costly and demanding.

SBI General Arogya Plus Policy

SBI General Arogya Plus Policy is a protection plan that covers out-of-pocket medical and hospitalization expenses, allowing the insured to concentrate on their treatment. This plan can be purchased individually or as a family floater to give financial protection in the event of certain medical emergencies.

Features Of SBI General Arogya Plus Policy

The Arogya Plus Policy from SBI General has a lot to offer. Purchasing the insurance will let you cover a variety of costs, including inpatient hospitalization, pre-hospitalization, post-hospitalization, emergency ambulance, and a variety of additional charges, without breaking the bank. However, there are a few features listed below that improve the policy's worth even more-

• No co-pays or deductibles are required.
• There are numerous coverage alternatives available i.e.  floater for individuals and families.
• Pre-hospitalization and post-hospitalization periods are covered for 60 days and 90 days, respectively.
• As stipulated in the insurance schedule, coverage for OPD consultation and treatment fees.
• Pre-policy medical tests are not required for those under the age of 55 who have no medical history. 
• 142 childcare fees are covered. 
• Expenses for maternity leave are paid up to the OPD maximum. 
• Expenses for alternative treatment are paid. 
• Expenses for in-home hospitalization are reimbursed.

Inclusions Of SBI General Arogya Plus Policy

• The cost of the room and the cost of boarding
• The OPD Benefit covers maternity expenditures.
• Consultation and treatment for OPD up to a certain point
• The cost of daycare
• ICU and nursing costs
• Physiotherapy

Claim Settlement

The insured must notify the administrator within 48 hours of admission and within 15 days after release, and must submit a claim form, as well as original bills and other documents, to the firm. In the event of post-hospitalization claims, the administrator must be notified within 15 days after the treatment's conclusion.

When I File A Claim, How Long Does It Take To Get Paid?

When the insurance company receives the claim document, it will evaluate it. The insurer will pay the claim after a satisfactory appraisal of the claim. If it is rejected, the policyholder will be informed of the reason for the rejection.

SBI General Arogya Plus Policy Renewal Process

This policy can be renewed once a year, and the required premium must be paid to the insurance company prior to the policy's expiration date. If a policyholder forgets to renew his policy, he has a 30-day grace period from the premium due date to pay the premium.

Advantages

Many health insurance policies do not cover OPD medical bills, but this one does to ensure that our financial planning is not jeopardized.
People above the age of 55 do not need to undertake pre-policy medical tests and examinations if they have no medical history.

Take Away

The Arogya Plus Policy is the greatest alternative for getting comprehensive coverage at a low cost. This coverage may be counted on to cover medical bills without putting one's finances in jeopardy. Purchasing an Arogya Plus Coverage online is a great option if you want your policy to be issued soon. In addition, you may purchase a policy online to take advantage of policy portability, claim settlement assistance, policy transparency, and a slew of other advantages for a completely hassle-free experience.

Also Read: What Role Do Network Hospitals Play In Health Insurance?

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.