SBI Arogya Premier Policy: An Overview

SBI Arogya Premier Policy is considered one of the beneficial and considerate health insurance policies from SBI General Insurance Company Ltd. that covers all your hospitalization expenses and others. Some of the attractive features of this policy includes- no medical check-ups until the age 55 years, tax benefits, cumulative bonus etc.

Read More

Get insured from the comfort of your home No medicals required

Tell us about you

SBI Arogya Premier Policy

All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply
*Tax benefit is subject to changes in tax laws. Standard T&C Apply

Get insured from the comfort of your home No medicals required
I am a

My name is

My number is

By clicking on 'View Plans' you, agreed to our Privacy Policy and Terms of use
Close
Back
I am a

My name is

My number is

Select Age

City Living in

    Popular Cities

    Do you have an existing illness or medical history?

    This helps us find plans that cover your condition and avoid claim rejection

    Get updates on WhatsApp

    What is your existing illness?

    Select all that apply

    When did you recover from Covid-19?

    Some plans are available only after a certain time

    SBI Arogya Premier Policy: Key Highlights

    Type of Coverage

    Individual & Family Floater

    Tenure

    1 year

    Day Care Coverage

    141 procedures

    Cumulative Bonus

    10% of the SI every year, up to a maximum of 50%

    Sum Insured

    Rs 10,00,000-Rs 30,00,000

    Coverage Offered

    To buy the SBI Arogya Premier Policy plan, one can opt for the Individual option with assured sums as per one's convenience. Some of the basic coverage that the policy includes are as follows:

    • In-patient Treatment - This includes every hospitalization expenses like room rent, boarding expenses, doctor fees, operating theatre, intensive care unit or ICU expenses, nursing charges, medicines that are consumed during the hospital stay.
    • Pre-hospitalization Cover- Pre-hospital expenses are incurred up to 60 days till the date of admission to the hospital.
    • Post- hospitalization Cover- Post-hospital expenses are incurred up to 90 days, starting from the date of discharge from the hospital.
    • Organ Donor Cover- Allthe medical expenses for an organ donor street meant for the harvesting of the organ donated are all covered.
    • Daycare Treatment- Procedure requiring less than 24 hours hospitalisation are covered for 141 different categories.
    • AYUSH Treatment Cover-AYUSH treatment or alternative treatments like Ayurvedic, homeopathic, Unani are also covered.
    • Domiciliary Hospitalization Cover- Domiciliary treatment or treatments are given at home are covered, which are up to reasonable and customary expenses.
    • Restoration of Sum Insured-Up to 100% off the basic sum insured will automatically be reinstated when it gets exhausted due to a claim.

    Inclusions of the SBI Arogya Premier Policy

    Some of the inclusions other than the basic coverage offered are as follows:

    • Emergency Ambulance Charges-Ambulance charges are covered up to Rs 1 lakh or the actual price, whichever is lower, including air ambulance.
    • Maternity and Newborn Coverage- Maternity and newborn coverage are given up to 9 months from the date of initiation of the policy.
    • HIV/AIDS Cover: The policy also supports a cover-up to a maximum of Rs.1 lakh, excluding cover for conditions specified in the policy document.

    Exclusions of the Plan

    There are some diseases, illnesses, and conditions that have been excluded from this SBI health insurance. They are as follows:

    • Any treatment taking place outside of the Indian periphery will not be covered in the policy plan.
    • Treatments for gender change are also excluded.
    • Cosmetic surgery or plastic surgery are not covered
    • Any injury or illness as a result of nuclear weapons or nuclear war will not be covered.
    • Rest care, rehabilitation, or rejuvenation care treatments are excluded
    • Sterility or infertility are not covered
    • Unproven scientific treatments
    • Any outpatient Department treatments will not be considered.

    Please refer to the policy document for a detailed list of exclusions.

    Features and Benefits of the SBI Arogya Premier Health Insurance Policy

    Given below are the main features and benefits of the SBI Arogya Premier Health Insurance Policy:

    • For pre-existing diseases, a waiting period of 48 months is provided. For other specifies diseases, it's 30 days, and for some specific kind of illness and conditions, it is 12 months and 90 days.
    • Mental illness is covered up to Rs.1, 00,000.
    • Genetic disorders and conditions are covered up to Rs.1, 00,000.
    • Human immunodeficiency virus syndrome and conditions are covered up to Rs. 1, 00,000.
    • This premium paid under this policy is eligible for tax rebate under section 80D of the Income Tax Act 1961.*

    *Tax benefit is subject to changes in tax laws

    Eligibility Criteria

    To buy this plan, one has to fulfill the following eligibility conditions:

    Minimum Entry Age

    3 months

    Maximum Entry Age

    65 years

    No limit for policy renewal

    Number of people covered

    Individual, spouse, children, dependent parents, parents in law

    Residential Status

    Residents and Citizens of India

    Cancellation of the Policy

    Given below are the conditions in which the company, SBI General Insurance Company, will cancel the SBI Arogya Premier Health Insurance Policy:

    A 15-day notice will be given from the company before the policy ceases. This will only happen if the policyholder has committed fraud with the company, has misrepresented any kind of information only.

    FAQs

    Health insurance articles

    Recent Articles
    Popular Articles
    Does Health Insurance Cover Orthopaedic Surgery?

    09 Oct 2021

    Orthopaedic health conditions have become quite common in India...
    Claim Settlement Ratio Vs Incurred Claim Ratio - Know the Difference

    07 Oct 2021

    Every health insurance plan comes with unique benefits to attract...
    What Is The Right Age To Purchase A Health Insurance Policy?

    30 Sep 2021

    Every person must have a health insurance policy to deal with...
    Does Your Health Insurance Remain Valid If You Move Abroad?

    30 Sep 2021

    Health insurance is one of the best investments that you can make...
    Does a Health Insurance Policy Cover Depression?

    27 Sep 2021

    Stress is one of the biggest contributors to lifestyle diseases...
    Best Health Insurance Plans in India 2021
    Finding the best health insurance plan from so many different health insurance companies can get confusing for many...
    Top Maternity Insurance Plans
    Maternity or pregnancy is an important phase of life, and one needs to prepare in advance to embrace parenthood...
    Top Family Health Insurance Policies in India 2021
    From the air we breathe to the food we eat; everything is intentionally or unintentionally subjected to...
    Health Insurance Claims Ratio- Things You Should Look Before Buying Health Insurance
    There has always been a doubt in customers mind about whether the private company will keep its side of the bargain...
    Best Health Insurance Plans for Senior Citizens in 2021
    Considering the increasing percentage of medical inflation in India, it has become an absolute necessity to buy...
     
    Close
    Download the Policybazaar app
    to manage all your insurance needs.
    INSTALL