With the rising cost of healthcare, people have become aware of the importance of the right health insurance cover to protect themselves against unforeseen medical expenses. In addition to upper and lower middle-class people, high net worth individuals (HNIs) also seek proper health insurance cover that can provide them access to the best medical treatment. Most importantly, these individuals do not compromise when it comes to healthcare expenses.
SBI General Arogya Premier is a health insurance policy designed to address the special healthcare requirements of HNIs. This cover comes with a range of flexible options and provides access to the best medical treatment.
The eligibility criteria for SBI General Arogya Premier is as follows:
SBI General Arogya Premier comes with a wide range of coverage options ranging from Rs.10 lakh to Rs.30 lakh. The premium charges for this cover vary based on the sum insured chosen, insurance type, and age group of the insured.
This policy cover comes with a range of features that ensure comprehensive coverage for HNIs. Some of the key features of SBI General Arogya Premier are as follows:
People who have taken this cover can avail plenty of benefits within the range of the sum insured they have chosen. Some of the key benefits available under SBI General Arogya Premier policy are as follows:
|Types of expenses||Scope|
|Hospitalisation benefits offered within the limit of sum insured amount||Room rent, boarding expenses, medical practitioner fees, intensive care unit charges, nursing charges, diagnostic charges, medicines and drugs, physiotherapy as part of the primary treatment, etc.|
|Expenses related to medical treatments and procedures||Anaesthesia, blood, surgical appliances, operation theatre charges, x-ray, dialysis, chemotherapy, radiotherapy, prosthesis and internal implants, cost of pacemaker, etc.|
|Ambulance and air ambulance expenses||Actual ambulance expenses or Rs.1 lakh (whichever is lower)|
|Domiciliary hospitalisation cover||Available for reasonable medical treatments|
|Health check up costs||Reimbursement offered up to Rs.5,000 after 4 continuous claim-free years|
Some of the key exclusions applicable to SBI General Arogya Premier Policy are as follows:
Cashless treatment benefit is available under this policy. It can be availed by calling the administrator prior to hospitalisation. Detailed information about the type of claim must be provided to the administrator. After verifying the details, the administrator will provide an authorisation letter to the insured or the hospital facility. Along with the authorisation letter, the insured must produce the ID card issued at the time of commencement of the policy while availing cashless treatment.
For other normal claims, notification of claim must be made within 48 hours of hospitalisation. However, the administrator of the policy, at his/her sole discretion, may relax the time of notification for a particular claim up to a maximum of 7 days. The claim form must be filled by the insured with all the necessary details and submitted to the administrator. Along with the claim form, the following documents must be provided while filing a claim.
Upon receiving all the above mentioned documents, the administrator will initiate the claim proceedings. All the conditions will be assessed by the administrator before approving the claim. After satisfactory verification, the administrator will inform the claimant about the acceptance of the claim. The insurer will settle the payment within 7 days from the date of acceptance of claim.