What are the Premium Aarogya Account benefits?

The Premium Aarogya Account benefits include zero minimum balance, doorstep banking, doctor consultations, discounts on diagnostic tests and medicines, and quarterly interest on eligible balances.

What are the Premium Aarogya Savings Account charges?

The account has an opening fee of â¹149 + GST, an annual renewal fee of â¹99 + GST, and an account closure fee of â¹50 + GST if closed after three months.

Who can open an IPPB Premium Aarogya Account?

Resident Indian individuals aged 18 to 70 years who complete the required e-KYC formalities are eligible to open an IPPB Premium Aarogya Account.

Is e-KYC mandatory for the IPPB Premium Aarogya Account?

Yes, valid e-KYC verification is mandatory at the time of account opening, as confirmed by IPPB.

IPPB Premium Aarogya Savings Account

The Post Office Premium Aarogya Account is a subscription-based zero-balance savings account offered by India Post Payments Bank, which is part of India Post. The Premium Aarogya Account combines everyday digital banking with health and wellness benefits. It is available to eligible resident individuals aged 18 to 70 years and offers easy access to banking and healthcare services.

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Understanding Post Office Premium Aarogya Savings Account

The Premium Aarogya Savings Account from India Post Payments Bank (IPPB) lets customers save up to ₹2 lakh and earn quarterly interest. If you have more than ₹2 lakh, the extra amount can move into a linked Post Office Savings Account (POSA). The account has an opening fee of ₹149 + GST, an annual renewal fee of ₹99 + GST, and an account closure fee of ₹50 + GST after three months.

Premium Aarogya Account Benefits and Features

The Premium Aarogya Account benefits include health consultations, medicine discounts, doorstep banking, and zero minimum balance requirements:

Zero Balance Account: There is no minimum balance needed in this account. You can keep any amount you want, even if the balance is low.
Attractive Interest Rates: You can earn Post Office savings account interest rates of 2% per year on money up to ₹1 lakh and 2.25% interest per year on amounts between ₹1 lakh and ₹2 lakh. The interest is calculated daily and added to your account every three months.
Doorstep Banking: Eligible doorstep banking services are available as per the applicable IPPB terms and charges.
Wellness Benefits: You can have unlimited calls or video chats with doctors, get up to 40% discount on tests, and up to 15% discount on medicines from partner shops.
Account Closure Charges: If the account is closed after three months of opening or upgrading, a charge of ₹50 + GST will apply.

How to Open a Post Office Premium Aarogya Savings Account?

You can open the Premium Arogya Saving Account at any IPPB branch, Post Office access point, or through doorstep banking.

Request Doorstep Service: Visit the nearest IPPB access point or designated Post Office, or request IPPB Doorstep Banking where available.
Submit Your Application: Fill out the account opening form and provide your Aadhaar and other required documents for e-KYC verification.
Complete e‑KYC: Complete the electronic Know Your Customer (e-KYC) process to verify your identity.
Pay the Opening Fee: Pay a one‑time account opening charge of ₹149 + GST to start the account.
Make the First Deposit: Deposit at least ₹200 as the initial amount to activate the account.
Pay the Annual Renewal Fee: Pay ₹99 + GST annually to keep the wellness benefits ongoing once the account is active.

Eligibility to Open Post Office Premium Aarogya Savings Account

Opening this account is simple and available to most individuals. Below are the eligibility criteria:

Age Limit: Indian residents aged 18 to 70 years can open this account.
Residency: Only resident individuals (not NRIs or firms) are eligible.
KYC Requirement: A valid e-KYC (electronic Know Your Customer) verification is mandatory at the time of account opening.
Medical Check-up: No medical examination is required to open the account or access the available wellness benefits.

Key Takeaways

The Post Office Premium Aarogya Savings Account combines everyday banking with healthcare and wellness benefits. It offers interest on eligible balances, digital banking services, and healthcare benefits, subject to the applicable terms and charges. The IPPB Premium Aarogya Account is suitable for customers looking to combine digital banking with healthcare benefits. Before opening the account, review the applicable Premium Aarogya Savings Account charges, including the subscription and renewal fees.

FAQs

What are the Premium Aarogya Account benefits?

The Premium Aarogya Account benefits include zero minimum balance, doorstep banking, doctor consultations, discounts on diagnostic tests and medicines, and quarterly interest on eligible balances.
What are the Premium Aarogya Savings Account charges?

The account has an opening fee of ₹149 + GST, an annual renewal fee of ₹99 + GST, and an account closure fee of ₹50 + GST if closed after three months.
Who can open an IPPB Premium Aarogya Account?

Resident Indian individuals aged 18 to 70 years who complete the required e-KYC formalities are eligible to open an IPPB Premium Aarogya Account.
Is e-KYC mandatory for the IPPB Premium Aarogya Account?

Yes, valid e-KYC verification is mandatory at the time of account opening, as confirmed by IPPB.

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˜The insurers/plans mentioned are arranged in order of highest to lowest first year premium (sum of individual single premium and individual non-single premium) offered by Policybazaar’s insurer partners offering life insurance investment plans on our platform, as per ‘first year premium of life insurers as at 31.03.2025 report’ published by IRDAI. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. For complete list of insurers in India refer to the IRDAI website www.irdai.gov.in

Past 10 Years' annualised returns as on 01-08-2026

^The tax benefits under Section 80C allow a deduction of up to ₹1.5 lakhs from the taxable income per year and 10(10D) tax benefits are for investments made up to ₹2.5 Lakhs/ year for policies bought after 1 Feb 2021. Tax benefits and savings are subject to changes in tax laws.

*All savings are provided by the insurer as per the IRDAI approved insurance plan.

Tax benefit is subject to changes in tax laws. Standard T&C Apply
++Source - Google Review Rating available on:- http://bit.ly/3J20bXZ

^^The information relating to mutual funds presented in this article is for educational purpose only and is not meant for sale. Investment is subject to market risks and the risk is borne by the investor. Please consult your financial advisor before planning your investments.

¶Long-term capital gains (LTCG) tax (12.5%) is exempted on annual premiums up to 2.5 lacs.

**Returns are based on past 10 years’ fund performance data (Fund Data Source: Value Research).