SBI Arogya Plus Policy Health Insurance

SBI General is one of the highly established and trusted insurance companies in the country with a wide product portfolio for every type of insurance product and backed by the formidable clout of the SBI group. It has a strong presence with over 125 physical locations across India and over 350+ locations through satellite resources. Since its inception, it has served over 6.8 crores customers and settled claims worth over Rs.11,000 crores.

SBI General is popular for its meticulously designed health insurance plans that provide comprehensive coverage to its customers and the flexibility to choose a plan tailor-made for their specific medical needs. It offers various health insurance products at highly affordable premium rates with an uncompromised promise of a fair, fast, and transparent claim procedure. Buying health insurance from SBI General also gives you access to a wide network of over 6,000 hospitals across the length and breadth of India.

SBI Arogya Plus Policy offers multiple options in terms of coverage, policy term, and sum insured which allows customers to select the option that is tailor-made for them. Multiple coverage options allow customers to select the health insurance policy that is specifically designed to meet their distinct medical needs. 

Apart from providing comprehensive medical coverage during hospitalization, the Arogya Plus plan also provides coverage for pre- and post-hospitalization expenses. It also provides coverage to policyholders for over 140 day-care procedures.

Take a look at some of the most compelling reasons to buy this policy by SBI General:

• Fast and Transparent Claim Procedure

SBI General has a fast, fair, and transparent claim procedure that allows them to resolve its customers’ claims within 24 hours of initiation.

• Excellent Customer Service

Buying the Arogya Plus plan will allow you to get excellent customer service from SBI general. It is known for assisting in emergencies and saves you from the stress of a claim by coordinating rapid and transparent repair and replacement of your assets.

• Rapid and Seamless Assistance

SBI General delivers seamless and fast assistance to its customers for their insurance-related queries. The quick and reliable assistance allows customers to be at ease. They also assist their website with the option of ‘Quick Assistance’ for the customers.

• Recognized Brand

SBI General has won various awards and recognitions for delivering the best customer experience through its insurance products and services. Some of these are ET Best BSFI Brands Award 2018, Best E-Magazine Award, Bancassurance Leader Award, and ISO 27001: 2013 certification. 

• Reliable Claim Settlement

It also has an iAAA rating which is given by ICRA to insurance providers for paying the highest number of claims in a year. This tells us a lot about the reliable claim settlement procedure for SBI General insurance products.

• Wide Network of Hospitals

SBI General has a wide network of over 6000 hospitals across the country. This allows the customer to seek the best treatment for themselves and their families. It also offers the customers the ability to avail cashless treatments.

• Day-Care Expenses

The policy also provides coverage for over 140 day-care procedures along with comprehensive medical coverage during hospitalization.

• Pre- and Post-Hospitalization Expenses

The SBI Arogya Plus Policy Health Insurance covers the Pre-Hospitalization expenses for up to 60 days before Hospitalization. It also compensates for the post-Hospitalization expenses for up to 90 days after discharge from the hospital.

• Tax Benefits

Policyholders can avail tax benefits for the premiums paid towards the Arogya Plus plan under Section 80D of the Income Tax Act,1961.

• Value for Money

The Arogya Plus plan covers everything from hospitalization expenses to domiciliary hospitalization and maternity expenses. It also covers pre- and post-hospitalization expenses and outpatient treatment. It is a perfect fit for someone who’s looking for health insurance that provides the best value for money, wide coverage at highly economical premiums.

The coverage provided by Arogya Plus Insurance Plan includes the following expenses:

• Ambulance expenses up to Rs.1500 covered
• Day-care expenses for over 140 procedures
• Pre-hospitalization expenses for 60 days prior and post-hospitalization expenses post 90 days of hospitalization
• OPD consultation and treatment expenses up to a specified limit
• Medical expenses including room rent, boarding expenses, ICU, nursing, and others covered under inpatient care
• Alternative AYUSH treatments that are taken in accredited or recognized hospitals
• Domiciliary hospitalization.
• Outpatient Treatment
• Medicines that you consume during hospitalization

SBI General shall not be liable to pay expenses occurring due to any of the following reasons under this plan:

• Pre-existing diseases from the inception of the policy up to 4 years of this Policy without any lapses in the policy.
• Treatment of illnesses such as Ulcers, Tonsillectomy, Hernia, Cataract, Sinusitis, Gall Bladder Stones, Chronic Renal Failure within one year of the policy.
• Treatment that is taken outside India.
• Hospitalization without undertaking any active regular treatment.
• Experimental and unproven treatment.
• Intentional self-injury or injury caused by violation of any law.
• Maternity expenses for the first 9 months of the policy
• Health issues or injuries inflicted by war, invasion, acts of foreign enemy, hostilities, and others.
• De-addiction treatment for any drug, alcohol, or other substance abuse
• Injury or disease caused or contributed by nuclear weapons or materials.

The Arogya Plus Policy Health Insurance by SBI general is a feature-rich insurance policy that is tailor-made to meet the diverse medical needs of individuals and families. It is a flexible plan that provides multiple policy options to ensure that the customer chooses the perfect plan according to their needs. 

The policy aims to make medical treatments more affordable for the Indian consumer by offering an extensive cover at a highly reasonable rate. Arogya Plus gives you financial stability during health emergencies and treatments and lets you focus on your well-being rather than worry about hospital bills.

Customer Reviews:

SBI General is one of the most prominent and leading insurance providers in the industry. Its strong presence across the country with over 125 locations and 22,000+ branches makes its customer service highly accessible. It offers a fast, fair, and transparent claim procedure. It has a dedicated and experienced claims team that is known for delivering exemplary customer service to its insured. 

Take a look at some of the customer testimonials by SBI General customers that manifests their customer-centric approach:

• Excellent Customer Experience, Abhinav Chaudhary: I am amazed by the speedy and hassle-free response I have gotten for my claim. The SBI team settled my claim within 24 hours of intimation and guided me through the whole process patiently. Best customer service ever!

• Rapid Claim Resolution, Anuj Jain: I am sincerely grateful to the SBI General team for the outstanding support and customer experience they have provided me during my recent hospitalization. The claim executive assigned to me contacted me within a few hours and quickly resolved my claim. I would certainly recommend their service friends and family.

• Endless Benefits, Sakshi Gupta: Finding a plan tailor-made for you is hard, especially making the choice with benefits, terms, and conditions you don’t even understand. A friend had suggested SBI General because of his satisfactory experience with them. I called customer care and explained to them my insurance needs and they suggested me the perfect plan- The Arogya Plus plan. Endless benefits with reasonable premiums!