Arogya Shield- A Health plus Life Combi Plan from SBI General Insurance & SBI Life Insurance
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Arogya Shield- A health plus life combi plan from SBI General Insurance & SBI Life Insurance

UIN: SBIHLIP22158V012122

Product Code: 2T

Arogya Shield- A Health plus Life Combi Plan   from SBI General Insurance & SBI Life Insurance

Zindagi ab let’s go
Health aur Life dono

  • Health and Pure Term Life Cover under a single plan
  • Additional discount of 5% on Health and Life insurance premiums
  • Cashless claims for Health cover
  • Security for your family with a standard term plan at an affordable cost
Secure both Health & Life with Arogya Shield –a health plus life combi product that offers you a comprehensive health cover for medical emergencies and an assured life cover to secure your loved ones.


This Plan Provides : 

  • Dual protection : Health insurance cover plus life insurance cover
  • Affordability : Affordable premiums with additional discount of 5% on Health and Life insurance premiums
  • Convenience : Cashless claims for health cover

Highlights

Arogya Shield- A Health plus Life Combi Plan from SBI General Insurance & SBI Life Insurance

Arogya Shield- A Health plus Life Combi Plan from SBI General Insurance & SBI Life Insurance

Features
  • Health and Pure Term Life Cover under a single plan  
  • Affordable premiums
  • Sum insured options of Rs 100,000; Rs 200,000 and Rs. 300,000 under health insurance coverage
  • Sum Assured of Rs 5,00,000 to Rs 25,00,000 under Life insurance cover 
  • Cashless claims for Health cover
  • Avail tax benefits on payment of life insurance premium under section 80C of the Income Tax Act, 1961 and on proceeds under section 10 (10D) of the Income Tax Act, 1961, as per prevailing tax laws
  • Also avail tax benefits under section 80D of the Income Tax Act, 1961 for payment of health insurance premium
  • 141 Day care procedures covered under Health Insurance Coverage.


Advantages

  • Security : of both health and life against unfortunate events as well as medical emergencies
  • Convenience : of affordable premium payments and cashless hospitalization

• Combi product

This product provides the double protection of a health insurance cover as well as life insurance cover

 

The health insurance cover provides you and your family a comprehensive protection against medical emergencies and covers the hospitalization charges. It provides the option of sum insured of Rs. 100,000; Rs. 200,000 and Rs. 300,000.

 

The life insurance cover ensures that your family will be financially looked after in case of an unfortunate event. It provides the option of sum assured of Rs. 5,00,000 to Rs. 25,00,000.

 

• Affordability

The premiums to be paid for this product is affordable. Premium payment mode under the Health Insurance Cover is Single Premium, renewable yearly and in case of Life Insurance cover, regular premium is payable throughout the policy term on annual basis. A discount of 5% on premiums is also available towards both the life and health insurance components of this combi product

 

• Hospitalization cover

The health cover of this plan provides coverage for various hospitalization related expenses.


COVERAGES:
  • Pre-hospitalization expenses upto 60 days for each of the admitted hospitalisation
  • Post-hospitalization expenses upto 90 days for each of the admitted hospitalisation
  • 141 Day care procedures
  • Domiciliary hospitalization
  • Outpatient treatment
 

• Death Benefit under Life Cover :

On death of the life assured during the policy term after the expiry of the waiting period or due to accident during the waiting period, the nominee/beneficiary will receive the Sum assured on death, in lumpsum which is


Highest of
  1. A. 10 times the Annualized premium@
  2. B. 105% of all premiums paid as on the date of death
  3. C. Absolute amount assured+ to be paid on death
 

On death of the life assured due to other than accident, during the waiting period, the nominee/beneficiary will receive the Death Benefit, which is equal to 100% of all the premiums paid, excluding taxes, if any

 

@Annualized Premium is the total amount of premium payable in a policy year, excluding taxes, underwriting extra premiums and loadings for modal premiums, if any.

 

+Absolute amount assured to be paid on death shall be an amount equal to Basic Sum Assured. The premiums referred above shall not include any extra amount chargeable under the policy due to underwriting decision, if any.

For more details on risk factors, terms and conditions of Arogya Shield, read the following documents -

Arogya Shield
^All the references to age are age as on last birthday
1-At least 1 insured person of age 18 years or above
2-The maximum Basic Sum Assured allowed shall be as per the Board approved underwriting policy.


*Tax Benefits:
Tax benefits are as per Income Tax Laws & are subject to change from time to time. Please consult your Tax advisor for details.

 

BEWARE OF SPURIOUS PHONE CALLS AND FICTITIOUS / FRAUDULENT OFFERS

IRDAI is not involved in activities like selling insurance policies, announcing bonus or investment of premiums. Public receiving such phone calls are requested to lodge a police complaint.


This advertisement is designed for combination of Benefits of two or more individual and separate products named SBI General - Arogya Plus Policy (UIN: SBIHLIP22135V032122) & SBI Life – Saral Jeevan Bima (UIN: 111N128V01) which is an Individual, Non linked, Non-participating, Life Insurance, Pure Risk Premium Product. These products are also available for sale individually without the combination offered/suggested.

1. Arogya Shield is a Combi Insurance Plan (UIN: SBIHLIP22158V012122). 2. This product is jointly offered by 'SBI General Insurance Company Limited' and 'SBI Life Insurance Company Limited'. SBI General Insurance Company Limited is a lead insurer for this product. 3. The risks of products offered in the combi product are distinct and are assumed / accepted by respective insurance companies as per their underwriting guidelines. 4. The liability to settle the claim vests with respective insurers, i.e., for health insurance benefits 'SBI General Insurance Company Limited' and for life insurance benefits ‘SBI Life Insurance Company Limited'. 5. For more details on risk factors, segregated premium, terms and conditions please read sales brochure carefully before concluding a sale. 6. SBI General Insurance Company Limited | Corporate & Registered Office: 'Natraj', 301, Junction of Western Express Highway & Andheri - Kurla Road, Andheri (East), Mumbai - 400 069. | 'For SBI General Insurance Company Limited IRDAI Reg. No. 144 dated 15/12/2009 | CIN: U66000MH2009PLC190546 | SBI Logo displayed belongs to State Bank of India and used by SBI General Insurance Co. Ltd. under license. Website : www.sbigeneral.in, Tollfree: 18001021111 7. SBI Life Insurance Company Limited | Registered & Corporate Office: Natraj, M. V. Road and Western Express Highway Junction, Andheri (East), Mumbai - 400 069 | IRDAI Regn. No.111 | CIN: L99999MH2000PLC129113. The trade logo displayed above belongs to State Bank of India and is used by SBI Life under license. Website: www.sbilife.co.in, Tollfree: 1800 267 9090 (Between 9am to 9pm) | E-mail: info@sbilife.co.in | Advertisement Number: ADDIG/OCT/2021-22/3470