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 March, 2022
Key Features Of SBI Arogya Premier Policy
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.
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.
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%.
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.
Ayush Treatments Covered
It also covers ayurvedic, Unani, Siddha, and homoeopathy treatment expenses.
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 March, 2022
Premium Amount 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 March, 2022
Premium Amount 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 March, 2022
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
Customers can buy SBI Arogya Premier Policy from the official website of the company or PolicyX.com. To make it easier for you, below PolicyX.com has explained both the buying process:
Buying through the SBI official website
Visit the official website of the SBI Health Insurance and click on the 'buy' option under 'Health Tab'.
Fill out the form with the details & submit your form.
The next page will show you the most-suited plan along with the premium amount.
Make an online payment.
Once the payment is received, your policy document will be mailed to you at your registered email address.
Buying through PolicyX.com
Fill out the form 'Calculate SBI Health Insurance Premium Now' available at the top of this page.
Once done, click on the continue tab, and on the Next Page, your premium will be displayed.
Choose your ideal sum insured and check the premium online.
Make the payment online.
Once the payment is received by the company, they will send you your policy detail.
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.
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.
Find Out What Customers Are Saying
(Showing latest 5 reviews only)
- 4.8/5 (33 Total Rating)
March 14, 2022
kuljeet singh
Chandigarh
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.
February 17, 2022
Dhiraj Khanna
Mumbai
This is a reliable company as they fulfill their promise to help during any medical emergency. I am satisfied with their services.
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
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.