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SBI Health Insurance for Senior Citizens
SBI Health Insurance for senior citizens is a medical insurance policy designed to cover senior citizens aged 60 years and more. The Arogya Premier insurance plan by SBI General Insurance Company Limited provides coverage for hospitalization and other medical expenses incurred by senior citizens due to an accident or an illness.
SBI Health Insurance for Senior Citizens
*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
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Key Benefits of SBI Health Insurance for Senior Citizens
Here are the key benefits of buying SBI Health Insurance for senior citizens:
- Multiple sum insured options ranging from Rs 10 lakh to Rs 30 lakh
- Coverage for both individuals and families are available
- 10% cumulative bonus for every claim-free year for up to 50%
- Health check-up expenses covered after every four claim-free years
- Cashless claims available at more than 6000 network hospitals across India
- Auto reinstatement of the sum insured up to 100%
- 10% No Claim Bonus for every claim-free year up to 50%
- Tax exemption under Sec 80D of the Income Tax Act
SBI Health Insurance Plans for Senior Citizens
The following table shows the details of the SBI Health Insurance plan for senior citizens:
|
Plan Name |
Sum Insured (Rs) |
Co-Payment |
|
|
SBI Arogya Premier Insurance Plan |
1 lakh to 30 lakh |
NA |
View Plan |
Eligibility Criteria for SBI Health Insurance for Senior Citizens
Check out the eligibility criteria to buy an SBI Health Insurance for senior citizens in the table below:
|
Categories |
Eligibility Criteria |
|
Minimum Entry Age |
18 years |
|
Maximum Entry Age |
65 years |
|
Family Members Covered |
Self, spouse |
|
Renewability |
Lifetime |
Choose Health Insurance Company for Senior Citizens
Inclusions of SBI Health Insurance for Senior Citizens
SBI Health Insurance for senior citizens offers the following coverage:
- In-patient Hospitalization
- AYUSH Cover
- Pre-hospitalization Expenses
- Post-hospitalization Expenses
- Domiciliary Hospitalization
- Day Care Expenses
- Ambulance Expenses
- Organ Donor Expenses
- Maternity Expenses
- HIV AIDS Cover
- Mental Illness Cover
- Genetic Disorders Cover
- Internal Congenital Diseases
- Advanced Treatment
Exclusions of SBI Health Insurance for Senior Citizens
The below medical expenses are excluded under SBI Health Insurance for senior citizens:
- Treatment taken outside India
- OPD treatment
- Unproven treatment
- Cosmetic or plastic surgery
- Refractive error
- Surgical treatment for obesity
FAQs
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Q1. Which waiting periods apply to SBI Health Insurance for senior citizens?
Ans: The following waiting periods apply to the SBI Arogya Premier insurance policy:
- Pre-existing Diseases Waiting Period – 48 months
- Specific Illnesses Waiting Period – 90 days/ 12 months (as per the disease)
- Initial Waiting Period – 30 days (except for accidental claims)
- Maternity Expenses Waiting Period – 9 months
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Q2. How can I check the premium chart of SBI Health Insurance for senior citizens?
Ans: The premium chart for the SBI Arogya Premier insurance policy can be found on the insurance company’s website. Alternatively, you can also check the estimated premium for your policy on Policybazaar.com by using a health insurance premium calculator.
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Q3. Do I have to undergo a pre-policy medical check-up to buy SBI Health Insurance for senior citizens?
Ans: If you are a senior citizen, then you need to undergo a pre-policy medical check-up to buy the SBI Arogya Premier insurance policy as only people below the age of 55 years are exempted from pre-policy medical check-ups.
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Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.
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