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.

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

Aditya Birla Health Insurance for Senior Citizens

Bajaj Allianz Health Insurance for Senior Citizens

Care Health Insurance for Senior Citizens

Cholamandalam Health Insurance for Senior Citizens

Digit Health Insurance for Senior Citizens

Future Generali Health Insurance for Senior Citizens

HDFC ERGO Health Insurance for Senior Citizens

IFFCO Tokio Health Insurance for Senior Citizens

Senior Citizens Health Insurance PlansExpand

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

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
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.
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.