Arogya Premier

Arogya Premier is a health insurance plan from SBI General Insurance Co. Ltd., available to residents of India. Sum insured ranges from ₹10L to ₹3Cr, eligible ages 18 to 65, and the policy is lifelong. Below is our take on how it compares to other health plans in our database — what it does well, where it lags, and the kind of policyholder it actually fits.

Annual premium starts at ₹14K, against a category median of ₹10K across the 19 comparable health plans we track in this country. That places Arogya Premier in the top quintile on price, and the top quintile on coverage ceiling (maximum sum insured ₹3Cr versus a peer median of ₹1Cr). On the value spectrum it reads as priced toward the top of the category, typically reflecting either a wider feature set or stronger insurer reputation.

Coverage breadth is in line with what most health plans offer: 6 core inclusions, 4 highlighted features, and 3 optional riders. Notable features called out by SBI General Insurance Co. Ltd. include High sum insured up to ₹3Cr, Overseas treatment cover, and Long-term discounts. On the rider side, Arogya Premier can be extended with Critical Illness, Personal Accident, and Maternity — each adding to the base premium but also widening what the policy will pay out for. The cashless network of 6,000 hospitals is broadly in line with peer plans.

On waiting periods, Arogya Premier applies an initial waiting period of 30 days, a pre-existing disease wait of 36 months, and a specific-disease wait of 24 months. The pre-existing wait is in line with the category median of around 36 months.

Where Arogya Premier explicitly will not pay: PED during waiting period, Cosmetic surgery, and Self-inflicted injuries. These are not unusual exclusions for a health plan, but they are the boundary of the contract — anything outside that list is in scope, anything inside is not. Read the full exclusions list before signing; every plan we have ever audited has at least one exclusion the buyer did not realise was there.

Best fit for: buyers who need a higher coverage ceiling than category average. Skip if: you have a pre-existing condition you need covered within 2 years. As with any insurance decision, get a quote from SBI General Insurance Co. Ltd. directly to confirm the rate that actually applies to your profile — listed prices are illustrative.