SBI Arogya Premier Policy is designed to cater to all the healthcare needs of you and your family. The plan does not let you compromise with any of your health conditions and ensures that you get the best of the available medical facility. The policy provides you with all the required coverage when it comes to any medical situation such as hospitalization coverage, domiciliary hospitalization, day-care treatments, etc.
With this advanced health insurance plan by SBI Health, one can seek the best medical treatment and advice from top medical experts without any stress under the policy.
Read along to explore more about this plan:
| 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 29-04-2021
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.
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.
For every claim-free year, the insured gets a cumulative bonus of 10% of the insured sum. It can maximum go up to 50%.
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.
It also covers ayurvedic, Unani, Siddha, and homeopathy treatment expenses.
The insured also gets tax benefits under SBI Arogya Premier Plan subject to the changes in income tax laws.
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:
For Individual Plan:
| 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 29-04-2021
Premium Amount Paid by an Individual under SBI Arogya Premier Plan
For Family Floater( Husband, wife, and kid):
| 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 29-04-2021
Premium Amount Paid by a Family under SBI Arogya Premier Plan
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 29-04-2021
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(Showing latest 5 reviews only)
April 29, 2021
Meenal Varun Joshi
AgraApril 29, 2021
Rakesh Koul
BengaluruI am in love with this company. From the plan they offer to their services, everything is A class. If you are looking for a company that really care about its customers, SBI is the name.
April 13, 2018
Raj
BhiwandiI took my SBI Arogya Premier Policy in SBI General Insurance for last 4 years. As of now I don't have any claim experience. The premium was decent and good compared to others
May 11, 2021
manmohan tiwari
KanpurI brought health insurance plan from SBI in 2019 and i am very happy with my plan and customer service of SBI insurance company. Keep it up SBI !
April 29, 2021
Vihaan Gupta
RajkotMe and my family have been lucky to have bought an SBI Health Insurance plan during the covid situation. The policy has proved to be a saviour for all of us, Thankyou SBI health Insurance for helping us in the time of our medical need.
Last updated on 29-04-2021
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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.