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Arogya Premier Health Insurance

Those who are special want the best of everything, especially healthcare. This is where SBI General’s Arogya Premier Health Insurance Policy helps. Designed for the exclusive few to meet their special needs, it has wider coverage.Read More

So that they can go for the very best healthcare and top-notch medical treatment.Read Less

FEATURES

PLAN OPTIONS/VARIANTS

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    Arogya Premier

    • Hospitalisation expenses
    • Pre-hospitalisation expenses: Medical expenses incurred 60 days before hospitalisation will be covered
    • Day care expenses: Medical expenses incurred on 141 technological surgeries and procedures requiring less than 24 hours of hospitalisation up to the Sum Insured.
    • Ambulance including air ambulance expenses: Actual expenses or INR 1,00,000 whichever is lower will be reimbursed
    • Alternative treatment: taken in a government hospital or in any institute recognized by government and/or accredited by quality council of India/national accreditation board on health.
    • Domiciliary hospitalisation: covers reasonable and customary charges towards domiciliary hospitalisation including pre and post hospitalization expenses.
    • Maternity Expenses: - Insurer will cover reasonable and customary charges towards maternity expenses during hospitalisation.
    • Organ Donor Expenses: Medical Expenses incurred by organ donor, on organ being donated to the insured.
    • Health check-up: reimburse health check-up expenses up to INR.5000/- per Insured, after each 4 consecutive claim free years of policy renewed continuously.
    • Reinstatement of Sum Insured: up to 100% of the basic Sum Insured when the Sum Insured gets reduced due to claim.
    • Cumulative Bonus: at the rate of 10% of expiring Policy’s Sum Insured on every renewal of claim free policy accumulated up to 50%
    • HIV/AIDS, Mental Illness, Genetic Disorders or Diseases cover up to the limit Rs. 1,00,000 each
    • Internal Congenital Diseases: Cover up to Rs. 10% of Sum Insured.

Eligibility

Eligibility

  • The Arogya Premier Health Insurance Policy can be bought by any permanent Indian resident aged between 18 to 65 years with lifetime renewal. Children can be included on floater basis from the age of 3 months

Exclusions

  • Initial waiting period: 30 days for all illnesses (not applicable on renewal or for accidents)
  • 90 days for specified disease and procedure
  • Specified surgeries/treatments/diseases are covered after specific waiting period of 12 months
  • Pre-existing diseases: Covered after 48 months unless otherwise provided
  • Maternity Benefit expenses are covered after waiting period of 9 months.
  • Treatment taken outside India
  • Outpatient treatment
  • Stay in a hospital without undertaking any active regular treatment by the medical practitioner
  • Experimental and unproven treatment.
  • The above list of exclusions is illustrative and not exhaustive. For a full list of the exclusions , please refer to policy wordings.

Documentation

For transaction on net banking – no documentation

For transaction on Mobile App– no documentation

For paper based transactions

  • Health Insurance Proposal form
  • KYC Documents :ID Proof & address proof(PAN & Aadhaar)

Bajaj Allianz life Smart Protect Goal

Disclaimer

1Tax deductions under Section 80D is as per applicable provision of the Act (including any amendments thereto) and are subject to changes in the tax laws.

The information must be read in conjunction with the product brochure and policy document. In case of any conflict between the Customer Information Sheet and the policy document the terms and conditions mentioned in the policy document shall prevailRead More

SBI General Insurance Company Limited I Corporate & Registered Office: 'Natraj', 301, Junction of Western Express Highway & Andheri - Kurla Road, Andheri (East), Mumbai - 400 069. | For more details on risk factors, terms and conditions, please refer to the Sales Brochure and Policy Wordings carefully before concluding a sale. 'For SBI General Insurance Company Limited IRDAI Reg. No. 144 dated 15/12/2009 | CIN: U66000MH2009PLC190546 | SBI Logo displayed belongs to State Bank of India and used by SBI General Insurance Co. Ltd. under license. Website: www.sbigeneral.in Toll free: 18001021111 Arogya Premier Health Insurance. UIN - SBIHLIP21332V022021Read Less

FREQUENTLY ASKED QUESTIONS

What is the Arogya Premier health insurance?

Arogya Premier health insurance is a health insurance policy from SBI General for HNI and ultra HNI customers who want a comprehensive and exclusive product for their unique needs. It includes special coverages like air ambulance, a wider coverage of upto Rs 30 lakhs and offers a high NCB.

What does it include?

It includes hospitalisation expenses, pre and post hospitalisation, 141 day-care expenses, domiciliary hospitalisation, road or air ambulance, organ donor expenses, AYUSH, maternity expenses, health check-ups, HIV/AIDS, mental illness, genetic disorder, internal congenital disorder and 12 other advanced medical procedures. 

What is the policy tenure?

Policy duration can be 1,2 or 3 years.

Is it eligible for tax benefits?

It’s eligible for tax exemption under section 80D.

More FAQs