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:
| 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
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 homoeopathy 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:
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 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
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
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(Showing latest 5 reviews only)
October 12, 2021
Avantika Nagpal
KolkataOctober 8, 2021
Rekha Tyagi
KolkataWell 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
Gandhinagartruly grateful for all the help received at PolicyX. the agents are smart, dont waste time and have good knowlege
September 1, 2021
Vishwanber Sharma
GuwahatiSatisfied 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
AgraIf 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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Very amazing and helpful service offered by SBI Health. I am impressed by the way this company works.