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SBI Arogya Premier Health Insurance

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SBI Health Insurance
Arogya Premier Policy
Claim SettlementDedicated Team
Claim Settlement Ratio66.08%
COVID-19 CoverYes
Network Hospitals6,000+
Policies Sold7,56,443

About SBI Arogya Premier Health Insurance

Designed to meet your and your family’s diverse medical requirements, SBI Arogya Premier Policy comes with unique coverage features at an affordable premium. Any individual can buy this policy for himself/herself or for his/her family where the family includes spouse, dependent children, parents, and parents-in-law. The minimum and maximum entry age for this policy are 3 months and 65 years respectively and there is no exit age. You can buy this policy for 1 year, 2 years, or 3 years, for the most suitable sum insured option ranging between Rs. 10 Lakh and Rs. 30 Lakh. The good news is that there is no requirement for pre-policy medical tests for people aged up to 55 years if they do not have any medical history.

If covered under this medical insurance policy, you can avail of several coverage benefits such as alternative treatments, domiciliary expenses, maternity expenses, health check-up, organ donor expenses, daycare expenses, ambulance expenses, in-patient hospitalisation expenses, pre-hospitalisation and post-hospitalisation expenses, cover for mental illness, HIV AIDS cover, internal congenital diseases, genetic disorders, etc. The policy comes with a lifetime renewability benefit, which allows you to renew the policy throughout your life by timely paying the required premium. Also, the premium for this policy is eligible for tax benefits under Section 80D of the Income Tax Act.

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Key Inclusions and Exclusions of the Plan

What's Included

  • Room rent, nursing, boarding expenses
  • Pre-hospitalisation and post-hospitalisation expenses for up to 60 days and 90 days respectively
  • 141 daycare expenses requiring less than 24 hours of hospitalisation
  • Ambulance expenses including air ambulance or Rs. 1 Lakh whichever is less
  • Organ donor expenses is not covered under this insurance plan

What's Not Included

  • Change of gender treatments
  • Hospitalisation primarily for rest, cure, rehabilitation and respite care is not covered
  • Treatments taken outside the geographical boundaries of India
  • Treatments taken for the purpose of evaluation or investigation
  • Expenses related to surgical treatment of obesity in some cases

1358 SBI Cashless Network Hospitals in India

Arogya Premier Policy User Reviews

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What users are saying
  • All
  • Paper saving is an environmental initiative and I am glad to know that InsuranceDekho has taken part in it by ...

    Read More
    By Rimi Nandy
    On: Feb 19, 2021
  • I am pretty much happy and satisfied with my SBI Arogya Premier Policy. The team of insurancedekho helped me b...

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    By Daksh Patel
    On: Oct 28, 2020
  • Arogya premier policy is my first purchase with sbi. It has not been much time but I am happy. This plan cover...

    Read More
    By Rohan Srivastava
    On: Feb 26, 2020
  • I would like to thank insurancedekho people for their support in buying this policy. I am new to SBI so has ze...

    Read More
    By Nitya Singh
    On: Feb 20, 2020
  • I would like to recommend this policy to everyone. This plan can help you with covering n-patient hospitalisat...

    Read More
    By Kiran Pal Singh
    On: Feb 18, 2020

SBI Arogya Premier Policy Expert Review

  • Expert Review

    SBI General's Arogya Premier Policy is one amongst the most promising health insurance plans offered by SBI General Insurance. It is a one-of-a-kind plan designed to meet special healthcare needs with comprehensive coverage option. The plan holds some of the most inclusive coverage benefits which aim to provide the best in class health insurance coverage to individuals as well as their family members. So, if you are looking for a good, all-inclusive health insurance plan, SBI General’s Arogya Premier Policy can be one which you can look into.

    Before you buy the policy, let’s uncover some of the details about this plan. The minimum entry age under the plan is 3 months, whereas the maximum entry age to be eligible to purchase the plan is 65 years. However, till the age of 55 years, there is no requirement for pre-policy medical screening. Arogya Premier Policy is one of the best policies offered by SBI General, which provides a higher sum insured options ranging from Rs. 10 Lakh to Rs. 30 Lakh.

  • Major Attractions

    As stated, SBI General's Arogya Premier Policy comes with a vast array of benefits. The policy covers a wide range of medical conditions and situations. Its huge domain in terms of coverage of expenses classifies it as value for money. Eligible hospitalisation expenses covered under this plan are - room rent, boarding expenses, medical practitioner fees, intensive care units charges, nursing expenses, diagnostic procedures, etc. Not only this, the product withholds various other attractions as follows -  

    • Auto reinstatement of sum insured equal to the base amount if exhausted at no additional premium.
    • Reimbursement of health checkups up to Rs. 5000 in case of no claims for 4 consecutive years.
    • No pre-policy medical test up to the age of 55 years for people with no medical history.
    • Alternative treatment like Ayurveda, Unani, Siddha & Homeopathy covered.
    • Maternity expenses covered after the first 9 months waiting period
    • Daycare expenses cover up to 142-daycare procedures.
    • Ambulance expenses, including air ambulance expense cover for up to Rs. 100000.
    • Coverage for domiciliary hospitalisation and physiotherapy expenses
    • The policy can be issued for a period of 1 year, 2 year or 3 years
  • What’s More?

    SBI General, with its Arogya Premier Policy, presents a complete health solution. Any individual can opt the policy for oneself or one’s family. The family includes spouse, dependent children, parents and parents in law. Whereas under family floater, the cover can be taken for self, spouse and two dependent children up to the age of 23 years. With a wider medical coverage option, the policy offers the best medical treatment from top medical experts. Some other features that make Arogya Premier Health Insurance Policy a smart choice include - 

    • Guaranteed lifelong renewability 
    • Relaxed age limit and hassle-free buying process
    • Health checkups at regular intervals help you manage your health better
    • The accumulated bonus increases your sum insured which can be used later
    • Tax deduction under section 80D
  • Conclusion

    So with all these noted benefits, the product is a great buy and can be brought as per your requirements. Needless to say from extensive coverage to a vast array of benefits, each feature of the plan meets the medical emergency of an individual.

    Now that you have made a choice, the next step is to choose the platform for purchase. Online purchase of health insurance policy is not only safe but also allows more transparency and quick issuance. InsuranceDekho is one such trusted platform catering to all your insurance needs. Buy the policy with InsuranceDekho and enjoy the benefits of easy portability, quick issuance and dedicated customer support at the time of claim settlement.

SBI Arogya Premier Policy Brochure

  • 1.44 MB
  • PDF Document
  • Jul 11, 2019

Claim Process at SBI Health Insurance

  • Network Hospital
  • Non-Network Hospital
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation as soon as it occurs and for planned hospitalisation intimate as soon as it occurs prior to admission.
  • 3

    Claim Processing

    Fill in the pre-authorisation form and hand it over to hospital's insurance/TPA desk to initiate claim request.
  • 4

    Claim Settlement

    Once your request is approved, claim is settled. If not approved, claim for reimbursement after discharge.
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation as soon as it occurs and for planned hospitalisation intimate as soon as it occurs prior to admission.
  • 3

    Claim Processing

    Submit claim form with original documents such as doctor’s reports, hospital bills, diagnostic tests, etc.
  • 4

    Claim Settlement

    Once your request for reimbursement of expenses is approved, the claim will be settled.

FAQs on Arogya Premier Policy Health Insurance Plan

  • What is the sum insured range for SBI Arogya Premier Policy?

    The sum insured options available under the policy range between Rs. 10 Lakh to Rs. 30 Lakh.

  • What is the eligibility criteria for SBI Arogya Premier Policy?

    For SBI Arogya Premier Policy, the minimum entry age is 3 months. The maximum entry age is 65 years.

  • Is there an exit age for SBI Arogya Premier Policy?

    No, there is no exit age for the policy. Arogya Premier Policy comes with lifelong renewability.

  • Does SBI Arogya Premier Policy cover maternity expenses?

    Yes! SBI Arogya Premier Policy covers maternity expenses after a waiting period of 9 months. 

  • Does SBI Arogya Premier Policy require you to undergo pre-policy medical test?

    SBI Arogya Premier Policy does not require customers up to the age of 55 years (with no medical history) to undergo a pre-policy medical test. 

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