SBI

SBI Arogya Premier: A pretty good policy covering most bases without outrageous conditions and offering a host of benefits. However, it has a 4-year waiting period for pre-existing diseases.

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whatWeLike What We Like

This section highlights the strengths and benefits of Arogya Premier policy by SBI. It covers what the policy does exceptionally well, including aspects that provide significant value and peace of mind to the policyholder. Here, you will find the major advantages and positive features that make this policy stand out.

You’ll never have to split the bill

Full Coverage (No Co-Payment): The insurer will bear the entire cost of treatment (up to the sum insured). You won’t have to pay a single penny, meani...

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You can pick any room you like

Room Rent Flexibility: You can choose any room, whether it's a shared room, single room, or deluxe room, as there are no restrictions on room rent wit...

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Pre & Post hospitalization expenses covered

Diagnostic Tests Coverage (60 days/90 days): No worries if the doctor has to run a host of diagnostic tests before or after hospitalizing you. The ins...

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Day Care treatments covered

Minor Procedure Full Coverage: If you're hospitalized for less than 24 hours for a minor procedure, the insurer will cover the costs. This includes tr...

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Covers Alternative Medicine

Full Coverage for Alternative Treatments: Thinking of getting Ayurvedic, Homeopathic, or other alternative treatments to cure an illness? Your insure...

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You always have full cover irrespective of the disease

No Disease-Wise Sub-Limits: If your insurer hasn't explicitly excluded an illness, you can claim the full sum insured for any disease, as this policy ...

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Some Restoration Benefit

Full Cover Restoration for Different Complications: After a partial claim, the insurer will fully restore your cover if you are hospitalized again for...

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Full coverage even if you are forced to hospitalize at home

Domiciliary Cover: The insurer will bear the costs even if you are hospitalized at home due to a condition or the hospital running out of beds. This i...

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Maternity benefits offered

Maternity Coverage: The insurer will also cover expenses related to maternity, such as hospitalization costs incurred during childbirth.

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whatIsOk What Is Okay

This section outlines the satisfactory but not exceptional aspects of Arogya Premier policy by SBI. It includes features and benefits that are adequate and meet standard expectations. While these elements may not be extraordinary, they still contribute to the overall usefulness and reliability of the policy.

Special Bonus for being healthy and not claiming insurance

Coverage After 4 Years: If you're dealing with diabetes, cardiovascular problems, or similar illnesses, the insurer covers all costs after a 4-year wa...

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whatWeDontLike What We Don't Like

This section addresses the limitations and drawbacks of Arogya Premier policy by SBI. It highlights areas where the policy may fall short or aspects that could be improved. Understanding these points is crucial for making an informed decision and managing expectations regarding the policy’s coverage and service.

Long waiting period for pre-existing diseases

Coverage After 4 Years: If you're dealing with diabetes, cardiovascular problems, or similar illnesses, the insurer covers all costs after a 4-year wa...

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No free Health Checkups unless you wait 4 years

Sum Insured Increase (10% Annually, Cap at 50%, Claim Reduction): Your sum insured increases by 10% each year as long as you make no claims during thi...

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No free Health Checkups unless you wait 4 years

Sum Insured Increase (10% Annually, Cap at 50%, Claim Reduction): Your sum insured increases by 10% each year as long as you make no claims during thi...

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Frequently Asked Questions

Medfin offers the latest surgical procedures to ensure that you
recover as fast as possible in the least painful way possible.

The claim settlement ratio for Arogya Premier in 2024 is 99.41%. This high ratio demonstrates the insurer's commitment to efficiently processing claims, offering peace of mind to policyholders.

The Arogya Premier Plan is available for individuals aged 18 to 65 years, offering comprehensive health coverage for adults and seniors.

Yes, pre-existing conditions are covered after a waiting period of 36 months.

Yes, the plan includes maternity benefits after a waiting period of 3 years.

Yes, the plan offers global coverage for emergency hospitalization while traveling abroad.

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