- About Coverfox
SBI General Arogya Premier is a health insurance plan that addresses the specific healthcare needs of HNIs. This health cover comes with various flexible options and offers access to the best medical treatment.
This Policy offers a host of features that prove to be extremely beneficial to the policyholder. These features are listed below:
There are no additional value added benefits which a proposer can attach by paying an additional premium. Let’s highlight the standard benefits of SBI Arogya Premier Plan:
The following is covered in SBI Arogya Premier Plan:
Following are the exclusions of SBI Arogrya Premier Plan:
Here is the eligibility criteria for SBI General Arogya Premier:
The individual will have to fill out the application/proposal form and KYC documents to buy SBI’s Arogya Premier Plan. In certain cases, a medical treatment might seem necessary.
This policy by SBI can be renewed every year on payment of required premium to SBI General Insurance before the policy expires. However, a grace period of 30 days is provided for renewal of the policy. This period is counted from the day immediately after the premium due date. All the associated benefits shall continue and stay active to the insured once the premium has been received by the company.
SBI Arogya Premier Plan offers cashless treatment benefit, which can be availed by calling the administrator before hospitalisation. The administrator needs to gather detailed information about the type of claim raised. Once the details are verified, he shall provide an authorisation letter to the hospital facility or the insured. With the authorisation letter, the insured must also provide his/her ID card that was issued at the time of commencement of the policy, when availing cashless treatment.
In case of any other normal claim, the claim should be notified within 48 hours of hospitalisation. However, the time to notify the claim may be relaxed up to 7 days at the sole discretion of the administrator. Next, the insured must duly fill the claim form with all the necessary details and submitted to the administrator. The following documents must be provided, along with the form to file a claim:
As mentioned above, the documents required to claim SBI Arogya Premier Plan are:
As healthcare costs are rising by the day, more and more people have started recognising the importance of healthcare, and understanding why it is vital to buy the right healthcare plan to safeguard against medical expenses. This is because at the time of need, everyone wishes for the best medical care that does not burn a hole in their pocket. Hence, SBI General Arogya Premier is a health plan that addresses these special healthcare requirements of millennial Indians. This health cover offers a range of options that give top notch medical treatment in the country.
‘This Plan has proved to be beneficial for me. I did not have to pay hefty medical bills as I could avail the facility of cashless treatment’ – Rashmi Mehta, Delhi
‘I raised a claim against the policy and the entire process was quick and hassle-free. Surely recommending it to others as well!’ - Anurag Gupta, Mumbai
Is portability allowed under SBI Arogya Premier Policy?
Yes, you can port your existing Health indemnity policy into this policy
Does this policy cover treatment by Ayurvedic method?
Yes, alternative treatments such as Ayurvedic, Homeopathy or Unani, 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) are covered under the plan up to Sum Insured.
Is there any grace period for renewal of the SBI Arogya Premier Policy?
Yes, there is a grace period of 30 days for renewal of the policy
Does SBI Arogya Premier Policy Covered Smoking, Alcohol and Tobacco Habits?
Yes, there is a loading of 5% in premium for each of the habits i.e. Smoking, Alcohol, and Tobacco consumption.
Is there any discount for long term policy?
Yes, there is a discount of 5% for 2 year term and 7.5% for three year term policies.
Is the policy available for long term?
Yes, the policy is available for a period of up to 3 years
Is there any pre-medical check-up required?
Pre-acceptance health check is not mandatory for people who are less than 55 years old and without any history of illness. Insured’s with following condition, acceptance of proposal is subject to a satisfactory medical examination as per SBI General’s requirements:
The cost of Pre-acceptance medical tests has to be borne by the proposer. However, if the proposal is accepted, there will be a reimbursement of 50% of the cost incurred towards the medical tests so undertaken at our advice.
Is Maternity hospitalisation covered under the SBI Arogya Premier Policy?
Yes, Maternity hospitalisation expenses are payable under the policy with a waiting period of 9 months.
Is there any Cumulative bonus applicable under the SBI Arogya Premier Policy?
Yes, cumulative bonus of 10% for each claim free year is available and you can accumulate up to a maximum of 50% under each policy.
Is Ambulance charges payable under the SBI Arogya Premier Policy?
Yes, the ambulance charges including Air Ambulance charges up to Rs 1,00,000/- for the policy period are payable.