What Is SBI Aarogya Premier Policy?
SBI Aarogya Premier Policy is a premium health insurance plan designed for individuals and families who want wider coverage, higher sum insured, and greater financial protection against hospitalization and medical emergencies.
It offers:
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Sum insured up to ₹30 lakh
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Cashless treatment across 6000+ network hospitals
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Pre- & post-hospitalization benefits
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Daycare procedures coverage
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Maternity benefits (optional)
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AYUSH coverage
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Modern treatment cover
Key Features of SBI Aarogya Premier Policy
Here are the major highlights:
High Sum Insured (Up to ₹30 lakh)
Suitable for families living in metros where healthcare costs are higher.
Cashless Treatment Nationwide
Available at 6000+ SBI-approved hospitals.
Comprehensive Pre/Post Hospitalization
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60 days before hospitalization
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90 days after discharge
Daycare Treatments (140+ procedures)
Including cataract, dialysis, minor surgeries, chemotherapy, etc.
Domiciliary Treatment
Medical care at home covered if the patient cannot be moved to hospital.
AYUSH Coverage
AYUSH hospitalization (Ayurveda, Homeopathy, Unani, Siddha) covered.
No Medical Test Required (for certain age groups)
Based on medical history and proposal form.
Coverage (What’s Included?)
1. In-Patient Hospitalization
Covers room rent, ICU, nursing charges, doctor visits, surgeon fees, etc.
2. Pre & Post Hospitalization
Medical expenses before and after hospitalization.
3. Daycare Procedures (140+ listed)
4. Maternity Cover (Optional Add-on)
Covers delivery expenses, newborn baby cover, vaccinations.
5. Modern Treatments
Covers robotic surgery, stem cell therapy, organ donor expenses, etc.
6. AYUSH Treatment
Treatment under AYUSH hospitals recognized by NABH.
7. Ambulance Cover
Emergency ambulance charges covered up to policy limit.
What’s Not Covered (Exclusions)
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Cosmetic or plastic surgeries
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Dental treatment (unless accident)
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Self-inflicted injuries
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Injuries due to intoxication
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Waiting period for pre-existing diseases
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Non-prescribed vitamins or supplements
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Infertility treatments
SBI Aarogya Premier Policy Premium (2025)
Premium depends on:
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Age of insured person
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Coverage amount (sum insured)
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Individual vs family floater
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Optional maternity coverage
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Add-on riders
Average Premium (Example)
| Age Group | Sum Insured | Approx. Annual Premium |
|---|---|---|
| 18–35 yrs | ₹10 Lakh | ₹8,000 – ₹12,000 |
| 36–45 yrs | ₹10 Lakh | ₹13,000 – ₹19,000 |
| 45–55 yrs | ₹10 Lakh | ₹22,000 – ₹30,000 |
| Family Floater | ₹15 Lakh | ₹23,000 – ₹40,000 |
Premium varies based on location & medical conditions.
Eligibility
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Entry age: 3 months to 65 years
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Renewal: Lifetime
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Family floater option: Available
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Medical tests: Might be required above 45 years
How to Buy SBI Aarogya Premier Policy?
You can purchase the policy:
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Through official SBI General website
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Through branch visit
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Through insurance agents
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Through third-party IRDAI-approved health insurance platforms
Claim Process (Cashless & Reimbursement)
For Cashless Claim
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Visit an SBI network hospital
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Show health ID/policy card
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Hospital sends pre-authorization
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SBI approves and pays directly
For Reimbursement Claim
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Get treatment at any hospital
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Pay the bill
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Submit documents within 15–30 days
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SBI transfers the claim amount to your bank account
FAQs About SBI Aarogya Premier Policy
1. Is maternity covered in SBI Aarogya Premier?
Yes, but only if you add the maternity rider.
2. What is the maximum sum insured?
Up to ₹30 lakh.
3. Does the policy cover pre-existing diseases?
Yes, after a 48-month waiting period.
4. Does SBI offer cashless treatment?
Yes, across 6000+ network hospitals.
5. Is Ayush treatment covered?
Yes, AYUSH hospitalization is included.
