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Arogya Premier

We understand that High Net-worth Individuals don’t like any compromise when it comes to healthcare. SBI General’s Arogya Premier Policy is exclusively designed to meet special healthcare requirements of such individuals. With wider medical coverage option, HNIs can avail the best medical treatment from top medical experts.

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More details about Arogya Premier

  • No pre-policy medical test up to the age of 55 years for people with no medical history.
  • 142 Day Care expenses covered.
  • Coverage of 60 days for Pre Hospitalisation & 90 days for Post Hospitalisation expenses.
  • Covers ambulance charges including air ambulance up to INR 1,00,000/-.
  • Maternity Expenses covered after first 9 months waiting period
  • Covers organ donor expenses.
  • Automatic Reinstatement of Sum Insured.
  • Cumulative Bonus of 10% of SI for each claim free year maximum up to 50%.
  • Wide coverage – From INR 10,00,000 up to INR 30,00,000/-.
  • Save Tax under Sec 80D (Tax benefits are subject to change in tax laws).
  • Alternative treatment like Ayurveda, Unani, Siddha & Homeopathy covered.

This Health Insurance policy covers the following subject to the terms and conditions:

  • Eligible hospitalisation expenses as under:
    • Room rent, boarding expenses
    • Medical practitioners fees
    • Intensive care unit
    • Nursing expenses
    • Anesthesia, blood, oxygen, operation theatre expenses, surgical appliances, medicines & consumables, diagnostic expenses and x-ray, dialysis, chemotherapy, radiotherapy, cost of pacemaker, prosthesis/internal implants and any medical expenses incurred which is integral part of the operation
    • Physiotherapy as inpatient care and being part of the treatment.
    • Drugs, medicines and consumables consumed during hospitalization period.
    • Diagnostic procedures
    • Dressing, ordinary splints and plaster casts.
  • Pre-hospitalisation expenses up to 60 days for each of the admitted hospitalisation claim under the Policy.
  • Post-hospitalisation expenses up to 90 days for each of the admitted hospitalisation claim under the Policy.
  • Day Care expenses cover up to 142 Day Care Procedures
  • Ambulance expenses including Air Ambulance up to INR 100000.
  • 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.
  • Maternity Expenses.
  • Organ Donor Expenses.
  • Health Check up reimbursement up to Rs. 5000/ insured after 4 consecutive claim free years.
  • Reinstatement of Sum Insured up to 100% when sum insured is reduced due to claim.
  • Cumulative Bonus at the rate of 10% of the Sum Insured for every claim free renewal which can be accumulated maximum up to 50%

Age: Minimum entry age is 3 months and maximum entry age is 65 years. There is no exit age.

Insured: Individual/ Family (For Family Insurance Policy- Family means the spouse, dependent children, parents and parents in law. For Family Floater Insurance Policy- Family means the spouse and dependent children)

Policy Term: 1/2/3 years.

Sum Insured: Minimum SI: INR.10,00,000 to Maximum SI: INR 30,00,000 in multiples of INR 1,00,000/-. Sum Insured of dependents will either be less than or equal to Proposer/ Primary Insured’s Sum Insured.

Premium: As per the age, Sum Insured and number of insured in a policy.

  • Waiting Period: 30 days from first inception of the health insurance policy.
  • Time bound Exclusions: Pre-existing diseases covered after first 4 years of coverage, Specified diseases or conditions covered after one year of coverage. Maternity Expenses shall be payable after coverage of 9 months from the date of inception of the Policy.
  • Treatment taken outside India.
  • Injury/ disease directly or indirectly caused or contributed due to nuclear weapons/materials.
  • War, invasion, acts of foreign enemy, hostilities, etc.
  • Epidemic disease recognized by WHO or Indian Government.
  • Intentional self injury or violation of any law.
  • Cosmetic or aesthetic treatments of any description, lasik treatment for refractive error. Any form of plastic surgery (unless necessary for the treatment of illness or accidental bodily injury).
  • Treatment for de-addiction from drug or alcohol or other substance.
  • Any condition directly or indirectly caused by or associated with human immunodeficiency virus or variant/mutant viruses and or any syndrome or condition of a similar kind commonly referred to as AIDS.
  • Vaccination or inoculation except as part of post-bite treatment for animal bite.
  • Treatment for any mental illness or psychiatric or psychological ailment/ condition.
  • Outpatient department treatment.
  • Genetic disorders and stem cell implantation/ surgery/ storage.
  • Treatments in health hydro, spas, nature care clinics and the like.
  • Experimental and unproven treatment.
  • Disease/ illness or injury whilst performing duties as a serving member of a military or police force.

Disclaimer: The above information is only indicative in nature. For full details of the coverage & exclusions please contact our nearest office and refer to the policy documents.