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SBI

SBI

Arogya Premier

SBI Arogya Premier is a pretty good policy. It covers most bases. It doesn't have any outrageous conditions. It offers a whole host of benefits. The only downside - If you have pre-existing diseases, you will have to wait 4 years for the policy to start covering complications arising out of these ailments too.

What's good here?

coPay

You’ll never have to split the bill

The insurer will bear the entire cost of treatment (up to the sum insured). You won’t have to pay a single penny. Meaning this policy has no co-payment.

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roomRent

You can pick any room you like

Shared room, single room, deluxe room or any room that’s available. The insurer won’t nitpick on your choice of room since the policy has no restrictions on room rent.

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prePost

Pre & Post hospitalization expenses covered

No worries if the doctor had to run a host of diagnostic tests before or after hospitalizing you. The insurer has your back. They will cover this amount in full for a pretty reasonable duration - 60 days before you are hospitalized and 90 days after discharge. This includes the cost of medication by the way.

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dayCare

Day Care treatments covered

If you’re hospitalized for less than 24 hours in lieu of a minor procedure, then the insurer will cover these costs too. Think dialysis, chemotherapy or minor surgeries.

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ayush

Covers Alternative Medicine

Think of getting Ayurvedic, Homeopathic or other alternative treatments to cure an illness? Your insurer will cover you fully, up to the sum insured.

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diseaseSublimit

You always have full cover irrespective of the disease

No funny business here. If your insurer hasn’t explicitly stated they won’t cover a certain illness, you can claim the full amount up to the sum insured, irrespective of the disease you’re dealing with. Meaning this policy doesn't impose the dreaded disease wise sub-limits.

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restoration

Some Restoration Benefit

Even after you claim part of the cover on one occasion, you will have 100% of the cover restored, if you are hospitalized one more time in a bid to treat a different complication. In the same year, by the way.

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domiciliary

Full coverage even if you are forced to hospitalize at home

The insurer will bear the costs even if you are hospitalized at home due to a condition or the hospital running out of beds. In insurance lingo, they call this a policy with domiciliary cover.

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maternity

Maternity benefits offered

The insurer will also cover expenses related to maternity — Think hospitalization expenses incurred while giving birth

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What's bad here?

ped

Long waiting period for pre-existing diseases

If you’re already dealing with diabetes, cardiovascular problems or any such illnesses, the insurer will cover all costs arising out of these pre-existing problems only after 4 long years. It could be much shorter you know? Like 2 years perhaps!

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What's okay here?

ncb

Special Bonus for being healthy and not claiming insurance

Your sum insured increases by 10% each year, so long as you make no claims during this period. But before you get too ahead of yourself, do note that they’ll stop offering you the bonus when your sum insured increases by 50%. Also, the bonus amount will reduce at same rate each time you make a claim. But hey, it's still a bonus.

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What's lacking here?

healthCheckup

No free Health Checkups unless you wait 4 years

If you’re planning on getting a full body checkup just to make sure you’re in fine working condition, the insurer will cover the cost once in 4 years. However, just so you know, most insurance policies offer free yearly health checkups.

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Frequently Asked Questions

Yes. Arogya Premier imposes 4 kinds of waiting periods -
  • 30-Day Waiting Period: Hospitalizations won’t be covered for the first 30 days of the policy unless it’s an accident.
  • Specific Illness Waiting Period: There's a 90-day to a 1-year waiting period for a list of diseases which is a mandate before you can start claiming. Refer to the policy wording for a detailed understanding of the disease-wise sub-limit.
  • Pre-Existing Disease Waiting Period: There's a 4-year waiting period for any pre-existing disease you may have while buying the policy.
  • Maternity and Newborn Waiting Period: There’s a 9-month waiting period before you can make claims related to pregnancy and childbirth.
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