Arogya Premier Policy
  • Know all About SBI Arogya Premier
  • Eligibility and Other Restrictions
  • All the Inclusions and exclusions
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SBI Arogya Premier Policy

SBI Arogya Premier Policy is a comprehensive health insurance plan that is designed to protect you and your family from uncertain medical expenses.

The plan comes with wide coverage and shells out several benefits to its policyholders such as coverage against in-patient hospitalization expenses, pre and post hospitalization, AYUSH treatments, maternity expenses, mental illness, HIV AIDS cover, internal congenital diseases, genetic disorders, etc. Any individual can buy this policy for himself/herself or for his/her family where the family includes a spouse, dependent children, parents, and parents-in-law.

In the section below explore more about the plan and its several features:

SBI Arogya Premier Policy Plan Specifications

Entry Age

3 Months to 65 Years

Sum Insured

10 to 30 Lakhs

Plan Type

Individual/Family Floater

Policy Term

1 / 2 / 3 year

Initial Waiting Period

30 Days

Renewal

Lifetime Renewability

*Initial Waiting Period is the time period between the issuance of the policy and the time it starts actively. During this period, a policyholder has to wait to avail of the benefits offered under a health insurance plan.

Choose Your SBI Arogya Premier Policy Plan

In-patient & Out-patient coverage

Room Rent

Covered

ICU Charges

Covered

Pre-Hospitalization

Covered, up to 60 days

Post-Hospitalization

Covered, up to 90 days

Domiciliary Hospitalization

Covered

Daycare Treatment

141 Daycare procedures covered

OPD Charges

Not Covered

Coverage Terms

COVID-19 Treatment

Not Covered

Cataract

Not Covered

No Claim Bonus

10% of SI for every claim free year

Automatic Restoration

Available up to 100% of SI

Daily Hospital Cash

Not available

Organ Donor

Covered

Maternity Cover

Covered

New Born Baby Cover

Not covered

Alternative Treatments

AYUSH Treatment

Covered

IVF Treatment

Not Covered

Modern Treatment

12 Modern Treatment covered

Emergency Coverage

Ambulance

Covered

Air Ambulance

Covered

Compassionate Travel

Not Covered

Global Coverage

Not Covered

Wellness Programmes

E-Consultation

Not Covered

Health Check-Up

Available up to 5K

Second Medical Opinion

Not Covered

Vaccination

Not Covered

Limitations

Co-payment

Not Applicable

Sub-limits

Applicable for Mental Illness coverage

What is Room Rent?

The room rent limit is the maximum amount of bed charge that you can claim if you are hospitalized.

Common room categories covered under room rent are:

  • Private Single AC Room
  • Twin Sharing
  • General Ward

Coverage status under SBI Arogya Premier Policy?

Under SBI Arogya Premier Policy, the room rent is covered.

What are ICU Charges?

The Intensive Care Unit (ICU) is a hospital special department where patients with severe medical conditions are treated.

Coverage status under SBI Arogya Premier Policy?

Under this plan, ICU charges are covered

What is Pre Hospitalization?

Medical expenses incurred before the hospitalization of the policyholder.

Coverage status under SBI Arogya Premier Policy?

This plan covers medical expenses incurred during pre-hospitalization for up to 60 days.

What is Post Hospitalization?

Medical expenses incurred after the discharge of the policyholder from the hospital.

Coverage status under SBI Arogya Premier Policy?

This plan covers medical expenses incurred during post-hospitalization for up to 90 days.

What is Domiciliary Hospitalization?

Home hospitalization arrangement for the insured person due to unavailability of medical amenities in hospitals. The treatment should last equal to or more than 72 hrs to get financial coverage.

Coverage status under SBI Arogya Premier Policy?

Under SBI Arogya Premier Plan, domiciliary hospitalizations are covered.

What is Daycare Treatment?

Treatments that can be treated in less than 24 hours of hospitalization like blood dialysis, cataract, etc.

Coverage status under SBI Arogya Premier Policy?

This plan covers the expenses of 141 daycare procedures.

What are OPD charges?

Covers the cost of doctor consultation and prescribed medical tests that may not require hospitalization.

Coverage status under SBI Arogya Premier Policy?

The plan does not offer coverage against OPD expenses.

What is COVID-19 Treatment?

COVID-19 treatment includes the cost of treatment for COVID-19 with a confirmative diagnosis from Govt. an approved center.

Coverage status under SBI Arogya Premier Policy?

Not Covered under the plan

What is Cataract Treatment?

A common eye condition in which your vision gets blurred.

Coverage status under SBI Arogya Premier Policy?

Not Covered under the plan

What is a No-Claim Bonus?

For every claim-free year, insurance companies reward policyholders with an increase in the Sum Insured amount as a no-claim bonus on policy renewal. However, in the case of a claim, this bonus amount either lapses or is reduced by a certain percentage that varies from plan to plan.

Coverage status under SBI Arogya Premier Policy?

The plan offers a cumulative bonus of 10% of the Sum Insured on every claim-free year. This bonus can be accumulated up to 50% and will get reduced by 10% in case of a claim under the Policy.

What is Automatic Restoration?

Automatic restoration is a benefit in which an insurance company restores the sum insured amount completely or up to a certain percentage after it gets fully exhausted in treatments. This restoration amount may vary from plan to plan.

Coverage status under SBI Arogya Premier Policy?

Automatic Restoration of Sum Insured up to 100% is available under the plan.

What is Daily Hospital Cash?

It is a cash amount that you receive each day during the time of hospitalization.

Coverage status under SBI Arogya Premier Policy?

The Daily hospital cash is not available under the plan.

What is an Organ Donor Cover?

It is a cover that includes the cost of the procedure for removing the damaged or malfunctioning organs from the body.

Coverage status under SBI Arogya Premier Policy?

Under the plan, Organ Donor expenses are covered.

What is a Maternity Cover?

It refers to the cover that includes expenses for normal and c-section procedures deliveries.

Coverage status under SBI Arogya Premier Policy?

Maternity expenses are covered after the first 9 months of the policy inception.

What is a New Born Baby Cover?

It takes care of the medical expenses that arise due to the hospitalization of the newborn baby in case of unforeseen circumstances. Some of the common treatments that are covered under the newborn cover are listed below and these common treatments can vary from plan to plan:

  • Congenital anomaly (conditions since birth)
  • Acute condition
  • Chronic condition
  • Premature delivery
  • Birth asphyxia
  • Day care treatment

Coverage status under SBI Arogya Premier Policy?

Not covered

What is AYUSH Treatment?

Refers to the cost of medicines and procedures used under AYUSH (Ayurveda, Yoga & Naturopathy, Unani, Siddha, and Homeopathy) treatment.

Coverage status under SBI Arogya Premier Policy?

AYUSH treatment is covered under this plan.

What is IVF Treatment?

In Vitro Fertilization (IVF) is a method of assisted reproductive technology. The common expenses incurred under IVF and infertility treatments are for:

  • Full infertility
  • No fertility
  • Infertility diagnosis
  • Infertility diagnosis and limited fertility treatment
  • Medication (which may or may not include fertility drug prescriptions)

Coverage status under SBI Arogya Premier Policy?

Not available

What is a Modern Treatment?

Medical treatments that demand modern technology such as robotic surgeries, stem cell therapy, etc.

Coverage status under SBI Arogya Premier Policy?

SBI Arogya Premier covers 12 modern treatment procedures up to 50% of the sum insured.

What is an Ambulance Cover?

An ambulance is used to move the patient from home to hospital, transfer to another hospital, and take them for different tests outside the hospitals.

Coverage status under SBI Arogya Premier Policy?

Actual ambulance expenses including air ambulance or INR 1,00,000 whichever is lower will be covered per hospitalization.

What is an Air Ambulance?

Air ambulances are specially prepared planes that transfer the patient from one place to another in case of a health emergency.

Coverage status under National Arogya Sanjeevani Plan?

Actual ambulance expenses including air ambulance or INR 1,00,000 whichever is lower will be covered per hospitalization.

What is Compassionate Travel?

Refers to the traveling expenses of a family member of the insured person in case the policyholders get admitted to a hospital outside his/her residential city.

Coverage status under SBI Arogya Premier Policy?

Not available

What is Global Coverage?

Any kind of medical/health emergency when you are outside of India.

Coverage status under SBI Arogya Premier Policy?

Not available

What is E-Consultation?

If a policy offers E-consultation it allows policyholders to connect with a doctor for medical consultation through video chat, audio call, or chatbot.

Coverage status under SBI Arogya Premier Policy?

Not available.

What is a Health Checkup?

A facility where the policyholder can avail free health check-ups after fulfilling the company's policies.

Coverage status under SBI Arogya Premier Policy?

Health Check-up benefit is available up to INR 5 K per insured only after 4 claim-free years.

What is a Second Medical Opinion?

If the policyholder wants, they may opt for a second medical opinion wherein the policyholder can consult another doctor within the company’s network of medical practitioners.

Coverage status under SBI Arogya Premier Policy?

Not available.

What is Vaccination cover?

Coverage against the expenses incurred on vaccinations is provided by the insurance companies.

Coverage status under SBI Arogya Premier Policy?

The plan does not cover vaccination cover.

What is Co-payment?

In the co-payment clause, policyholders have to pay a portion of the hospitalization expense on their own and the insurer will pay the rest of the amount.

Coverage status under SBI Arogya Premier Policy?

Co-payment is not applicable under the policy.

What is the Sub limit?

Sub limit is a condition in which the insurer will have to pay the medical expense up to a certain percentage and the remaining amount will have to be paid by the policyholder.

Coverage status under SBI Arogya Premier Policy?

Applicable for Mental Illness coverage.

SBI Health Insurance Network Hospital List

SBI Health Insurance Network Hospitals are present in 31 states nationwide. With a wide network of hospitals, SBI Health Insurance ensures that you are medically secured, irrespective of the city you reside in.

Sample Premium Illustration Of SBI Arogya Premier

Here is a chart representation of the premiums for a rough idea in both the cases- individual policy and family floater policy. Let's look at both cases:

Premium Calculation For a 30-years-old Individual

Sum Insured (in Rs.) 10 Lakh 15 Lakh 20 Lakh 25 Lakh 30 Lakh
Premium (in Rs.) 9,385 10,677 11,598 12,290 12,834

Premium Calculation For Family of Husband(30 years), wife(25 years), and kid(2 years)

Sum Insured (in Rs.) 10 Lakh 15 Lakh 20 Lakh 25 Lakh 30 Lakh
Premium (in Rs.) 22,273 25,507 27,813 29,544 30,906

Key Benefits of SBI Arogya Premier Policy

No-Pre Medical Tests Required

Mental Illness Coverage

HIV/AIDS

Genetic Disorders

No-Pre Medical Tests Required

There is no pre-insurance medical check-up for policy buyers less than 55 years of age subjected to the condition that the buyer does not have any medical history. In case one has any medical history then it is to be mentioned to the health insurance company at the time of buying the SBI Arogya Premier Policy.

Mental Illness Coverage

SBI Arogya Premier Policy offers coverage against the expenses incurred towards the treatment of Mental Illness. The coverage shall be provided if the hospitalization is prescribed by a Medical Practitioner for Mental Illness, or if the hospitalization is done in Mental Health Establishment. The plan covers the mental illness upto the Sum Insured (Sub limit INR 1,00,000 whichever is lower)

HIV/AIDS

The plan covers the policyholder for the expenses incurred for Inpatient treatment due to any condition caused by HIV/AIDS.

Genetic Disorders

SBI Arogya Premier policy offers coverage against genetic disorders and internal congenital diseases up to INR 1,00,000 and 10% of the sum insured respectively.

What Is Not Covered Under SBI Arogya Premier Policy?

The plan will not cover any expenses for the treatment of illnesses such as Ulcers, Tonsillectomy, Hernia, cataracts, Sinusitis, Gallbladder Stones, or Chronic Renal Failure during the first year of operation of the policy.

Injury or Death due to Suicide.

Stay in a hospital without undertaking any active regular treatment by the medical practitioner.

Any expenses incurred during the treatment of injuries that occurred during adventurous activities.

Explore SBI Arogya Premier Policy

At PolicyX.com, you will get the best services from the inception of the policy till the settlement of the claim if any. Read the below section to explore the buying process of the SBI Arogya Premier plan to its claim settlement process.

Know more about SBI Arogya Premier Policy, claim process, buying process and contact details of the company by clicking on the sections below:

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Buying Process

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A comprehensive health insurance plan that offers a 15% increase in cumulative bonus for every claim-free year and comes with 8 optional coverage options.

Unique Features

  • Bariatric Surgery cover
  • 573 Day Care procedures covered
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Family Floater Plan

A fixed premium plan that offers coverage up to 3 Lakhs and offers protection against the expenses incurred during OPD and hospitalization.

Unique Features

  • Coverage for HIV/AIDS
  • Genetic Disorders covered
  • Internal Congenital Diseases covered

Standard Plan

A standard health insurance plan that comes with a coverage of 10 Lakhs. Moreover, the plan comes with a 5% Co-pay, applicable on all the admissible claims.

Unique Features

  • Advanced Procedures covered
  • Lifelong renewals
  • Cumulative Bonus of 5%

Affordable Plan

SBI Retail Health Insurance Policy

A affordable health insurance plan that provides coverage of up to 5 Lakhs. The plan offers several add-on riders for enhanced coverage.

Unique Features

  • No pre-medical up to 45 years
  • Flexible plan options
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Top-up policy

The policy comes into action when your existing health plan is exhausted due to the claims made. It comes with a wide range of benefits that too at lower premiums.

Unique Benefits

  • Maternity Expenses covered
  • Ambulance coverage up to 5K
  • Coverage up to 50 Lakhs

Critical Illness policy

The plan offers coverage against 13 critical illnesses & financial support irrespective of the actual medical expenses, & comes with two policy tenures enabling customization.

Unique Features

  • Entry Age upto 65 years
  • Free-look period of 15 days
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The policy provides a fixed amount to the claimant for each day of hospitalization and expenses like traveling, food, and much more.

Unique Features

  • 4 daily benefit amount options
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Loan Insurance Policy

SBI Loan Insurance policy helps you to repay your outstanding loan in case you are a victim of any of the listed 13 critical illnesses/accidental death/unemployment.

Unique Features

  • No Medical Tests required
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Health Insurance Articles

SBI Arogya Premier Policy: FAQ

1. Are any advanced procedures covered by SBI Arogya Premier Policy?

Yes, SBI Arogya Premier Policy covered up to 12 advanced procedures up to 50% of the sum insured.

2. Is there any co-pay option offered by the Arogya Premier policy?

No, Arogya Premier policy does not offer a co-payment option.

3. Is health check-up expense included in the SBI General Arogya Premier Policy?

SBI General Arogya Premier Policy covers health check-up expenses up to INR 5K per insured, after 4 consecutive claim-free years.

4. Is a pre-policy medical test required to buy SBI Arogya Premier Policy?

Customers under the age of 55 years who have no medical history are not required to undergo a pre-policy medical exam to buy SBI Arogya Premier Policy.

5. Is SBI Arogya Premier Policy covers the expense of eye treatment?

No, SBI Arogya Premier Policy does not offer coverage for eye treatments.

Read Reviews & Ratings

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priya

Pune

June 7, 2022

Best buy and reliable. I recently got a life insurance for myself from SBI. Also, my purchasing experience was made easy and swift, apart from the best deal given by PolicyX.

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Saksham

Ahmedabad

June 7, 2022

I got the sbi general term insurance plan last year as I am concerned about my family. Such great plans. Great work.

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kuljeet singh

Chandigarh

March 14, 2022

very good company with good plans. They always reply to my and my wife queries related to our old diseases and new doctor consultations. they OPD plan is very helpful.

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Dhiraj Khanna

Mumbai

February 17, 2022

This is a reliable company as they fulfill their promise to help during any medical emergency. I am satisfied with their services.

Customer Review Image

Avantika Nagpal

Kolkata

October 12, 2021

Very amazing and helpful service offered by SBI Health. I am impressed by the way this company works.

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Rekha Tyagi

Kolkata

October 8, 2021

Well done SBI Health. You are doing a great job. Also, I wanna thank PolicyX.com for your continuous support. Best of luck to both companies.

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Kuwali Rai

Gandhinagar

September 2, 2021

truly grateful for all the help received at PolicyX. the agents are smart, dont waste time and have good knowlege

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Vishwanber Sharma

Guwahati

September 1, 2021

Satisfied with the purchased plan. Will recommend others to invest too. Policy X team has guided, so thanks for that too

View All SBI Health Insurance Reviews