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 designed to cater to all the healthcare needs of you and your family. The policy offers hospitalization coverage, domiciliary hospitalization, day-care treatments, etc.

With this health insurance plan by SBI Health, one can seek medical treatment and advice from top medical experts without any stress.

Read along to explore more about this plan:

Eligibility Criteria of SBI Arogya Premier Policy

Minimum age of entry 3 months
Maximum age of entry 65 years
Family Members Covered Prosper, spouse, dependent children, parents, and parents in law.
Sum Insured Rs. 10 lakhs to Rs. 30 lakhs
Policy Term 1, 2, or 3 years

**Last Updated on August, 2021

Key Features Of SBI Arogya Premier Policy

  1. 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 buying SBI Arogya Premier Policy.

  2. Automatic Reinstatement of the Sum Insured

    If your sum insured gets exhausted due to the claims made, then without paying any additional premium, the plan will automatically reinstate the insured sum to the vase amount.

  3. Cumulative Bonus year

    For every claim-free year, the insured gets a cumulative bonus of 10% of the insured sum. It can maximum go up to 50%.

  4. Health Check-up

    For each 4 consecutive claim-free years of policy renewed continuously, the plan will reimburse the health check-up expenses up to INR.5000 per person.

  5. Ayush Treatments Covered

    It also covers ayurvedic, Unani, Siddha, and homoeopathy treatment expenses.

  6. Tax Benefits

    The insured also gets tax benefits under SBI Arogya Premier Plan subject to the changes in income tax laws.

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

**Last Updated on August, 2021

Premium Amount Paid by an Individual under SBI Arogya Premier Plan

Premium Paid by an Individual under SBI Arogya Premier Plan

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

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

**Last Updated on August, 2021

Premium Amount Paid by a Family under SBI Arogya Premier Plan

Premium Paid by a Family under SBI Arogya Premier Plan

What is Covered Under SBI Arogya Premier Policy?

There is a wide range of coverage provided under the SBI Arogya Premier Plan subjected to certain terms and conditions. A list of coverages has been mentioned below:

Pre-Hospitalization Expenses Under pre-hospitalization, the coverage is limited to 60 days before the hospitalization.
Post-Hospitalization Expenses In the case of post-hospitalization, the coverage extends a maximum to 90 days after getting discharged from the hospital.
Hospitalization Expenses All the expenses incurred after the hospitalization are covered under this according to the policy.
Day Care Expense There is coverage for 142 days under daycare expenses.
Ambulance Expense Ambulance charges and air ambulance charges can go maximum up to Rs.1,00,000.
Domiciliary Hospitalization In case the insured is suffering from illness or injury and he is not in a condition to travel to the hospital then there is a provision under which SBI Arogya Premier Plan provides coverage for domiciliary hospitalization.
Alternative Treatment Form government Hospitalization Cover In case the insured takes treatment from the government hospital then also the expenses get covered under the plan.
Maternity Expense The insured can get the maternity cover but it is initiated after a waiting period of the first 9 months.
Organ Donor Expense The policy provides coverage for organ donor costing. All the expenses incurred in organ transplantation are covered.
Health Checkup For health checkups, there is reimbursement of Rs.5000 under the SBI Arogya Premier Policy of Rs.5000 if the insured does not claim for 4 consecutive years.
Waiting Period
Pre-existing Diseases 48 Months
First Thirty Days Period 30 Days, except for accidents
Certain Specific Illnesses 12 Months & 90 Days
Maternity Waiting Period 9 Months

**Last Updated on August, 2021

What is Not Covered Under SBI Arogya Premier Policy?

  • The plan will not cover any expenses on the treatment of illnesses such as Ulcers, Tonsillectomy, Hernia, Cataract, Sinusitis, Gall Bladder Stones, 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 occurred during adventurous activities.

How To Buy SBI Arogya Premier Policy

Buying From SBI Health Insurance
Buying From Policyx Website SBI Health Plan

What Is the Claim Process for SBI Arogya Premier Policy?

SBI Health Insurance offers a direct process to file the claims. Let's take a look at it.

  • Inform the company about the claim by dialing the toll-free number: 1800 22 1111, or SMS 'CLAIM' to 561612.
  • One of the SBI customer representatives will reach out to you within 24 hours of filing the claim with details of the required documents and further steps.
  • Submit all the required documents.
  • The company will initiate the process and settle all relevant claims within 30 days of the final survey report.

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Find Out What Customers Are Saying

(Showing latest 5 reviews only)

- 4.7/5 (30 Total Rating)

October 12, 2021

Avantika Nagpal

Kolkata

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

October 8, 2021

Rekha Tyagi

Kolkata

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.

September 2, 2021

Kuwali Rai

Gandhinagar

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

September 1, 2021

Vishwanber Sharma

Guwahati

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

April 29, 2021

Meenal Varun Joshi

Agra

If you are looking for an ideal health insurance company, SBI is the name. One of the best health insurance company I have come across. Go for this company without any second thoughts. One of my best decisions.

Last updated on August, 2021

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