SBI General Arogya Premier Policy

What is the Plan all About?

People don’t like compromises for quality healthcare and they always like to buy a health plan that can cater all their healthcare needs. SBI General’s Arogya Premier Policy is designed to meet all special healthcare requirements. This plan provides wide health coverage, so you can easily avail health services from top hospitals.

Key Features

Wide medical coverage for you & your family
No pre-policy medical check-up up to the age of 55 years
Health check-up at regular intervals
Auto-reinstatement of the sum insured
Avail cumulative bonus

Policy Benefits

In-patient hospitalization expenses, including Room Rent, Boarding, Nursing Expenses, Medical Practitioner Fees, ICU Charges, Operation Theater Charges, Anesthesia, and other related medical expenses are covered.
Pre hospitalization expenses are covered for 60 days before hospitalization and post hospitalization expenses are covered for 90 days after hospitalization.
142 Day Care Procedures/Surgeries are covered up to the sum insured, for which the insured person requires hospitalization for less than 24 hours.
Domiciliary hospitalization expenses are covered, as specified under the policy.
Maternity expenses are covered upto the specified policy limits.
Organ donor’s treatment expenses for harvesting of the organ donated including pre & post hospitalization, are covered as mentioned in the policy benefits.

Value Added Benefits

Auto reinstatement of sum insured up to 100% of basic sum insured, in case of exhaustion of the sum insured due to claim in a policy period.
Get cumulative bonus. With NCB, the sum insured can be increased by 10% for a claim-free policy year, up to a maximum of 50%.
Covers health check-up expenses and is applicable after continuous 4 claim-free policy years.
Reimbursement of alternative treatment. Ayurvedic / Homoeopathic / Unani treatment is covered, when treatment is taken in any government Hospital, any institute Accredited by Quality Council of India, National Accreditation Board on Health or other hospital as specified under the policy.
Ambulance charges are reimbursed.
Tax Benefit under section 80D of Income Tax Act, 1961.

Sub Limits

Health check-up expenses are covered up to Rs 5,000 per insured upon completion of 4 claim-free policy years.
Ambulance charges including air ambulance or Rs 1 Lac, whichever is less are reimbursed for per valid hospitalization.

Waiting Period Clause

Initial Waiting Period: Claims arising during first 30 days of the policy start date, except accidental claims.
Specific Waiting Period: Some diseases/surgeries such as Hydrocele, Hernia, Cataract, Tonsillectomy, etc. are covered after 1 year from the inception date of the policy.
Pre existing Disease Waiting Period: Any pre-existing disease until 48 months of continuous policy coverage, from date of inception of the first policy.
Maternity Waiting period: There is a waiting period of 9 months when medical expenses incurred towards maternity hospitalization.

Who can Buy the Plan?

Factor	Minimum	Maximum
Age (as on last birthday)	3 Months	65 Years
Sum Assured	10 Lacs	30 Lacs
Cover Type	Individual/Family Floater	-
Policy Tenure	1 Year	3 Years
Grace Period	30 Days	-
Free Look Period	15 Days	-
Riders	Nil	-

Exclusions

Treatment taken outside India
War, invasion, or act of foreign enemy
Injury caused by nuclear weapons/materials
Cosmetic or aesthetic treatments
Cost of spectacles, contact lenses, hearing aids, dentures, wheelchairs, and artificial limbs
Vaccination or inoculation, etc.