SBI General Insurance Company Limited
Arogya Premier Policy
High-SI premium-segment family floater (₹10L-30L cover)
UIN SBIHLIP22136V032122We don't sell this — we'll still recommend if it fits
The dealbreaker fields
Max cover
₹30 lakh
Claim settlement (CSR)
97.5%
PED waiting
48 months
Specific disease wait
12 months
Mandatory co-pay
0%
Room rent prop. ded.
No
Pre / post hosp.
60 / 90 days
Network hospitals
6,500+
Free look
15 days
What this plan does well
- MATERNITY WAITING ONLY 9 MONTHS — INDUSTRY LEADING (vs 24-72mo industry)
- 12-month specific waiting (vs 24 industry standard)
- Premium-segment SI bands ₹10L-30L only (no low SI)
- Granular ₹1L SI increments (₹10L, ₹11L, ₹12L...)
- NO pre-policy medical test up to age 55 (no medical history)
- Air Ambulance built-in (within ₹1L ambulance cap)
- Tele-consultation built-in (within inpatient fees)
- Floater discount 20%, Family discount 7.5%
Watch out for
- PED waiting 48 MONTHS — major dealbreaker
- Modern Treatments capped at 50% SI
- Mental Illness capped at ₹1L (sub-limited)
- Genetic Disorders capped at ₹1L
- Internal Congenital Diseases capped at 10% SI
- Health checkup only after 4 claim-free years (vs 1-3 in many plans)
- CB only 10%/yr max 50% (modest)
- CB reduces by 10% if claim (industry standard but unforgiving)
Is this the right plan for you?
Run the 30-second cover calculator. We'll tell you whether this plan, or a different one, is the better fit.
Find my right cover →We don't directly sell this plan today. If our verdict says this is your best fit, we'll point you to a broker who does — and tell you our paired listed alternative so you can decide.