General Insurance

SBI General Arogya Premier Policy

Eligibility Criteria

Minimum Entry Age 3 months for children, 18 years for adults
Maximum Entry Age 65 years of age
 

Benefits

  • Auto re-instatement of sum insured equal to the base amount, if exhausted, at no additional premium
  • No pre-policy medical test up to the age of 55 years for people with no medical history
  • Wide coverage from 10 lacs to 30 lacs.
  • Reasonable and customary medical expenses towards maternity hospitalization are covered after 9 months.
 
 

Product Features

Key Features

Sum Insured

Sum Insured is the amount of cover provided by the insurance company.
The plan provides a wide coverage of Rs. 10 lacs to Rs. 30 lacs.
In-patient hospitalisation

This covers hospitalization expenses due to an illness or accident.
The plan covers hospital accommodation, charges for stay in Intensive Care Unit, related hospitalization expenses such as surgeon’s fees, nursing, anesthesia, blood, oxygen, operation theater charges, surgical appliances, medicines, drugs and consumables up to the sum insured.
Pre-hospitalisation

It covers the medical expenses due to an illness before the insured is hospitalized.
The plan covers pre-hospitalization expenses 30 days prior to date of admission into the hospital.
Post-hospitalisation

It covers the medical expenses due to an illness after the insured is discharged from hospitalization.
The plan covers pre-hospitalization expenses 60 days after the date of discharge into the hospital.
Health check-up

A free medical check-up is provided by the insurance companies to its policyholders.
This plan provides free health check-up which is 1% of sum insured up to a maximum of Rs. 5000/- for every 4 claim free years.
Ambulance Cover

In case of an emergency, the ambulance charges are covered by the insurance company.
Covers actual ambulance expenses including air ambulance up to Rs. 1 lac.
 

Other Features

Organ Donor Cover

The medical expenses for an organ donor's treatment in the event of organ transplantation.
This policy covers the expenses for organ donor’s treatment up to Sum Insured.
No-claim Bonus

If the policyholder does not make any claim during the year, he is entitled to a bonus in addition to his sum insured.
With every claim-free year, the plan provides an additional 10% bonus on sum insured.
Domiciliary Hospitalization

If a patient is in a condition that he cannot be moved to the hospital or there is lack of accommodation in the hospital, he is been treated at home and this process is known as domiciliary hospitalization.
The plan covers domiciliary hospitalization up to Sum Insured.
Restoration of Sum Insured

Under this feature, the policyholder’s entire sum insured is automatically restored back to him upon exhaustion of the limit of the coverage during the policy period
If the policyholder’s basic sum insured inclusive of the no-claim bonus is exhausted, he will be automatically provided with 100% of sum insured.
Day Care Treatments

These are treatments that don’t require a 24-hr hospitalization and conducted in a hospital or day-care center.
Covers Select Day care surgery where less than 24 hours hospitalization for specified procedures like Dialysis, Chemotherapy, Radio therapy, Eye Surgery, Dental surgery (due to accident), Tonsillectomy, etc. Are covered.
 

Exclusions

  • Any disease contracted during the first 30 days commencement of the policy.
  • Joint replacement surgery shall be covered after a waiting period of 3 years from commencement of policy except done due to an accident.
  • Treatment arising from or traceable to pregnancy (whether uterine or extra uterine) and childbirth including Cesarean section and/or any treatment related to prenatal and post natal care.
  • Congenital diseases
  • All expenses related to AIDS and related diseases.
  • Use/Abuse of intoxicating drugs or alcohol.