SBI Arogya Plus Policy

Exclusions of Sbi Arogya Plus Policy

• Waiting Period: 30 days from first inception of the health insurance policy.
• Time bound Exclusions: Pre-existing diseases covered after first 4 years of coverage, Specified diseases or conditions covered after one year of coverage. First 9 months exclusion for Maternity expenses.
• Treatment taken outside India.
• Injury/disease directly or indirectly caused or contributed due to nuclear weapons/materials.
• War, invasion, acts of foreign enemy, hostilities, etc.
• Epidemic disease recognized by WHO or Indian government.
• Intentional self injury or violation of any law.
• Cosmetic or aesthetic treatments of any description, lasik treatment for refractive error. Any form of plastic surgery (unless necessary for the treatment of illness or accidental bodily injury).
• Treatment for de-addiction from drug or alcohol or other substance.
• Any condition directly or indirectly caused by or associated with human immunodeficiency virus or variant/mutant viruses and or any syndrome or condition of a similar kind commonly referred to as AIDS.
• Vaccination or inoculation except as part of post-bite treatment for animal bite.
• Treatment for any mental illness or psychiatric or psychological ailment / condition.
• Genetic disorders and stem cell implantation / surgery / storage.
• Treatments in health hydro, spas, nature care clinics and the like.
• Experimental and unproven treatment.
• Disease / illness or injury whilst performing duties as a serving member of a military or police force.