Insurance Plans October 13, 2020

Everyone individual must take a health plan in order to protect himself from health problems. It safeguards the health emergencies that might wash away all your savings. So, if you are looking for a health plan at an affordable premium then you must buy the SBI General insurance Arogya Sanjeevani Policy. It covers many health risks of the individual for 1 year and you can renew it every year as per your requirement. This plan covers the health risks for up to Rs.5 Lacs and you can take a minimum coverage of Rs.1 Lac. Here are some of the features and benefits of this insurance plan that will make you understand this plan better.

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Key Features of Arogya Sanjeevani Plan by SBI General

  1. Get a high Sum Assured of up to Rs.5 Lacs in this health plan.
  2. Feasibility of paying the premium on a monthly, yearly, half-yearly, and quarterly basis.
  3. Cover your family members too in the same health plan.
  4. Enjoy more coverage at an affordable premium.
  5. Explore the whole plan during the free-look period of 15 days.
  6. Show the premium of the policy at the time computing your annual income and enjoy deductions.

Benefits of Arogya Sanjeevani Plan

If you are willing to buy this health plan then you must go through the benefits of this insurance policy. You will be able to understand this plan better once you know all the health risks that are covered under it.

Hospitalization Benefits

If you are hospitalized then the expenses like Bed-charges, blood tests, nursing charges, ICU Charges, and other consultation fees will be covered in this health insurance policy. You can see the cover of the hospitalization below:-

  1. Room’s Rent cover is 2% of the Sum Assured of up to Rs.5000.
  2. ICU’s Rent cover is 5% of the Sum Assured of up to Rs.10000.

Pre and Post-Hospitalization Benefits

  1. Pre-Hospitalization expenses done prior to 30 days to hospitalization are covered.
  2. Post-Hospitalization expenses done after discharges for up to 60 days are covered in this insurance plan.

Cataract Benefits

If the insured is going through a Cataract Illness Treatment then the cover for the cataract illness will be the lowest of the following:-

  1. 25% of the Sum Assured
  2. Rs.40000

Day Care Treatment Benefits

Day care treatments are the treatments received within 24 hours without being hospitalized. So the expenses for such treatments are covered in this health insurance plan.

Cover for Dental Treatment and Plastic Surgery

If there is a need for Dental Treatment and Plastic Surgery due to any other disease then the expenses for such treatments are covered in this insurance plan. Expenses incurred for the Dental Treatment and Plastic Surgery will be taken care of by the company.

AYUSH Treatment

Expenses incurred for the AYUSH Treatments like Ayurveda, Unani, Siddha, and Homeopathy treatments are covered in this health insurance plan. So, you can go through the Ayurvedic Treatments and the expenses will be reimbursed by the company.

Treatments Covered

You will get a cover for the following treatments only up to 50% of the Sum Assured in the SBI General Insurance Arogya Sanjeevani Policy.

  1. Uterine Artery Embolization and HIFU (High-Intensity Focused Ultrasound)
  2. Balloon Sinoplasty
  3. Deep Brain Stimulation
  4. Oral Chemotherapy
  5. Immunotherapy – Monoclonal antibody to be given as an injection
  6. Intravitreal injections
  7. Robotic Surgeries
  8. Stereotactic radio surgeries
  9. Bronchial Thermoplasty
  10. Vaporisation of Prostrate (Green Laser treatment of Holmium laser treatment)
  11. IONM – (Intra Operative Neuro Monitoring)
  12. Stem Cell Therapy

Ambulance Cover

The maximum cover for the Ambulance Charges is up to INR 2000 per hospitalization. If you want to carry a patient from one place to another then you have to bear the ambulance charges.

More Coverage Benefits

If you cover more family members to this health insurance plan then you will enjoy discounts on the amount of premium. You can the following family members to this plan:-

  1. Spouse
  2. Children
  3. Parents
  4. In-laws

Cumulative Bonus Benefit

You can enjoy a cumulative bonus of 5% of the Sum Assured and it is added to the actual Sum Assured every year if you don’t make any claim. This bonus will only be added to the current Sum Assured value until the additional value reaches 50% of the Sum Assured if you don’t make any claim.

Other Details of SBI General Insurance Arogya Sanjeevani Policy

ParticularsDetails
Minimum Age of Entry18 Years
Maximum Age of Entry65 Years
Minimum Age of Entry for a Dependent Child91 Days
Maximum Age of Entry for a Dependent Child25 Years
Minimum Sum AssuredRs.1 Lac
Maximum Sum AssuredRs.5 Lacs
Policy Term1 Year

Waiting Period of this Health Plan

This health plan has a waiting period of 24 months and 48 months for various diseases. It means that this plan will start covering the mentioned diseases after a time span of 24 months and 48 months respectively.

Illnesses Having a Waiting Period of 24 Months

  1. Internal Congenital Anomalies
  2. Varicose Veins and Varicose Ulcers
  3. Calculi in the urinary system, Gall Bladder, and Bile duct, excluding malignancy
  4. Prolapse inter Vertebral Disc and Spinal Diseases unless arising from an accident
  5. Pilonidal sinus, Sinusitis, and related disorders
  6. Piles, Fissures and Fistula in anus
  7. Non-Infective Arthritis
  8. Hydrocele
  9. Hernia of all types
  10. Gout and Rheumatism
  11. Gastric/ Duodenal Ulcer
  12. Cataract and age-related eye ailments
  13. Benign prostate hypertrophy
  14. All internal and external benign tumors, cysts, polyps of any kind, including benign breast lumps
  15. Hysterectomy
  16. Tympanoplasty
  17. Mastoidectomy
  18. Adenoidectomy
  19. Benign ENT disorders
  20. Tonsillectomy

Illnesses Having a Waiting Period of 48 Months

  1. Treatment for joint replacement unless arising from an accident
  2. Age-related Osteoarthritis & Osteoporosis

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