Medical costs are among the most unpredictable of expenses one can encounter in his/her lifetime. There are times in which a medical insurance policy coverage may be inadequate for a particular illness or injury. During these unpredictable times, an additional policy coverage may come in hand. SBI General Arogya Top up Policy is one such cover that provides additional cover against rising medical expenses.
The following eligibility criteria applies to SBI General Arogya Top up Policy:
The sum insured for SBI General Arogya Top up Policy ranges from Rs.1 lakh to Rs.50 lakh. Deductible options for this cover ranges from Rs.1 lakh to Rs.10 lakh. With such wide coverage, the premium charges vary significantly based on the insured’s age group, sum insured chosen, and deductible opted for.
As an additional health insurance cover, SBI General Arogya Top up Policy comes with a range of features. Some of the key features of this insurance policy are listed below:
This policy cover comes with a range of benefits related to hospitalisation expenses. Some of the major benefits offered by SBI General Arogya Top up Policy are as follows:
|Type of expenses||Scope|
|Hospitalisation expenses covered||Room rent, boarding expenses, intensive care unit stay, nursing expenses, diagnostic procedures, drugs, medicines, physiotherapy as part of the primary treatment, medical practitioner fees, etc.|
|Expenses related to medical treatment||Anaesthesia, blood, surgical appliances, oxygen, medicines and consumables, diagnostic expenses, operation theatre charges, x-ray, pacemaker, etc.|
|Examples of day care procedures covered||Dialysis, chemotherapy, radiotherapy, etc.|
|Ambulance charges||Actual ambulance expenses or Rs.5,000 per valid hospitalisation (whichever is lower)|
|Domiciliary hospitalisation||Reasonable and customary charges|
|Organ donor hospitalisation||Expenses related to an organ donor’s (insured) treatment|
There is a list of exclusions for which SBI General is not liable to pay any compensation to the insured. Some of the possible exclusions under the Arogya Top up Policy are as follows:
The claim process for this policy is similar to that of other health insurance policies by SBI General. For cashless treatment facility, the insured must notify the administrator regarding the claim and get pre-authorisation. The ID card issued along with the policy must be produced at the hospital along with the authorisation letter. The insurer will also ask for the original bills and evidence of treatment from the network hospital.
For other hospitalisation claims, the insured will have to produce a list of documents while submitting the claim. Some of the documents required for this include:
Once these documents are submitted to the insurance company, the claim process will begin. The insurer will notify the insured regarding the acceptance or rejection of the claim. If repudiated, a valid reason will be provided in writing. Following the acceptance of the claim, the compensation amount will be paid in 7 days.