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SBI Health Insurance for Family: Know Features and Benefits
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SBI Health Insurance Policies for Family

Raunak and Susmita are proud parents of two children (Rashi, 4 years and Madhura, 7 years). Ranumak and Susmita both work in private companies and are insured by individual policies. Now, they are looking for a family health insurance policy where all of them will be covered under a single policy. Managing a family policy is much easier than managing individual policies and it will also not make a hole in your pocket. After their research, they came to know that SBI family health insurance offers astonishing features and benefits and is ideal for all families who want to safeguard the health and finances of their family members.

SBI general health insurance ltd. is a joint venture between (SBI) State Bank of India & (IAG) Insurance Australia Group. SBI General Insurance embraces customers with an array of products starting from Motor insurance, Health insurance, Personal Accident Insurance, Travel Insurance, Home Insurance, and many more.

Arogya Premier Policy by SBI Health Insurance is the utmost choice for individuals who want to protect the health of their family members without stretching their finances. This policy plan offers a wide range of medical coverage options and compensates for all healthcare expenses of a family. This SBI health policy is investment-worthy. Arogya Premier Policy is easily available on both individual and SBI family health insurance floater sum insured basis. In a nutshell, this SBI health insurance plan offers multifarious health benefits and caters to all the needs of a family.

Features of SBI Mediclaim Policy For Family

  • Policy period – 1 year, 2 years, or 3 years
  • A wide range of sum insured from Rs. 10 Lakh to Rs. 30 Lakh
  • Automatic reinstatement of sum insured equal to the base amount if your policy plan is exhausted
  • Alternative treatment methods such as Ayurveda, Unani, Siddha & Homeopathy are covered
  • No claim bonuses of 10% every year (for each claim-free year) and can go to 50%
  • If there are no claims for 4 consecutive years, then reimbursement of health checkups up to Rs. 5000
  • No pre-policy checkup for people below 55 years without any medical history
  • Tax benefits under Sec 80D of the Income Tax Act

 

SBI Health Insurance Plans for Family Eligibility

  • Minimum entry age: 3 months
  • Maximum entry age: 65 years

 

Who Can Purchase This Policy?

Any person can purchase this policy for self and family members. Family members could be the spouse, dependent children (up to 23 years), parents, and parents-in-law.

Benefits Of SBI Health Insurance Plans for Family

  • This policy plan offers room rents, nursing charges, ICU charges, and other in-patient hospitalization expenses
  • This plan covers pre-and-post hospitalization (60 days and 90 days respectively) charges
  • 142 daycare procedures (hospitalization requires less than 24 hrs) are covered under this plan
  • This plan offers coverage for ambulance costs, including air ambulance charges (up to Rs. 100000)
  • This plan compensates for alternative treatment methods like Ayurveda, Unani, Homeopathy, Siddha, etc. in a government hospital
  • The plan also offers coverage for domiciliary expenses
  • The plan offers coverage for maternity medical expenses after the completion of 9 months waiting period
  • The also covers medical expenses related to an organ donor transplant
  • The plan covers health checkup expenses up to Rs. 5000
  • Once your sum insured amount gets exhausted, the plan will automatically recharge the sum insured up to 100% of the basic sum insured
  • A cumulative bonus of 10% will be offered on every renewal

 

Exclusions

  • The plan doesn’t offer coverage for intentional self-injury or violation of any law
  • Genetic disorders and stem cell implantation, surgery, storage, etc. are not covered by the plan
  • War, acts of foreign enemy, invasion, hostilities, and others are also not covered
  • The plan will not compensate for venereal disease or any sexually transmitted disease/sickness
  • The plan will not reimburse the treatment for de-addiction from drug or alcohol or other substance

 

Some Advantages of this SBI Family Mediclaim Policy

  • This plan gives you the utmost financial security even you raise a claim
  • The buying process is simpler; this means you can conveniently purchase this plan
  • Relaxation in age limit
  • The plan covers a wide range of medical conditions and diseases
  • Accumulated bonuses enhance your sum insured that you can utilize later
  • Regular interval health checkups will help you to monitor your condition
  • Through this plan, you can save tax

 

The Conclusion

SBI Arogya Premier Policy is a promising health insurance plan offered by SBI General Insurance. This is a one-of-a-kind plan that is carefully designed to meet all healthcare needs with comprehensive coverage options. The plan offers many health coverage benefits which aim to provide the best in class health insurance coverage to individuals as well as their family members. So, if you want an all-inclusive health insurance plan for your family, then SBI Arogya Premier Policy could be the best choice for you.

Now, you have adequate knowledge about this plan and its benefits, so, this is a great buy and can be purchased as per your requirements. The plan offers extensive coverage to a plethora of benefits, each feature of the plan meets all medical emergencies of an individual as well as family. What are you waiting for? Purchase this policy for your family and fortify their protection against various diseases. 

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