#Virukipolicy | T&C*
SBI Arogya Premier Policy does not let you compromise with any of your health conditions. The policy provides an individual with all the required coverage when it comes to any medical situation. One can seek the best medical treatment and advice from top medical experts without any stress under the policy.
Here is all that you require to know about eligibility:
|Minimum Entry Age||3 Months|
|Maximum Entry Age||65 Years|
|Minimum Entry Age For Children||91 Days|
|Maximum Entry Age For Dependent Children||23 Years (Dependent Children)|
|Policy Tenure||1 Year, 2 years or 3 years|
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 Expense||Under the pre-hospitalization, the coverage is limited for 60 days before the hospitalization.|
|Post-Hospitalization Expense||In the case of post-hospitalization, the coverage extends maximum to 90 days after getting discharged from the hospital.|
|Hospitalization Expenses||All the expenses incurred after the hospitalization is 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 is 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.|
Here is a chart representation of the premiums for a rough idea. In case one buys a plan then the insured will have to pay similarly for different sum insured like Rs.10 Lakhs, Rs.20 Lakhs, Rs. 25 Lakhs and Rs. 30 Lakhs respectively.
|Age (Years)||10 Lakhs||20 Lakhs||25 Lakhs||30 Lakhs|
Individuals should buy SBI Arogya Premier Policy because:
The policy has not left its insured alone anywhere. The wide network services are appreciated by the policyholders and recommended to others too. It is the wide range of coverage of the policy and health benefits that has forced the policyholders to suggest it to others.
The maximum age limit for dependent children to be included in the family floater plan is 23 years.
Yes, a sum of Rs. 5000 is reimbursed to the insured subject to the condition that the insured does not claim for 4 consecutive years.
Yes, the plans provide you with a 100% reinstatement of the insured sum.
A grace period of 30 days is provided to the insured for the renewal of the policy. Failing this the policy is subjected to lapse.
A free look period of 15 days is provided to the policy buyer. In case the policy buyer is satisfied with any of the terms and coverage of the policy then he can cancel the policy within the free look period.
A loading of 5% is applicable for each of the habits onto the premium of the policy.
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Last updated on 06-12-2019