Good evening. Recently I visited the SBI Lifes Arogya Plus health insurance. They informed that the premium will remain same life long @ Rs10502/- for sum assured of Rs 3 lakhs, but it doesnt have Restoration,No claim bonus,Free health check ups benefits. So what is the real need of the above facilities. Are they really beneficial? I am in dilemma between SBI life Arogya plus and Star Family Optima plan which gives the above facility,but the premium will increase every five year. I belong from Bargarh – pin- 768028 of Odisha.I am searching health insurance for My self- 36 ,my wife- 33,Daughter- 6,Son- 2 months.
I will be thank ful if you can suggest the best policy for me among the above two.
Arogya Plus health insurance is from a Life Insurance company (SBI Life) whereas Family Optima is from a stand-alone health insurance company.
Have you gone through the features of Star’s plan? Do they match your requirements? Yes, the premium rate is not constant, so is it affordable to you now and in the future??
Is Rs10502 the premium for Rs 3 lakhs for all four of you (Family floater).
The SBI portal has this information – The premium for this product is flat Rs. 8,900, Rs. 13,350 or Rs. 17,800 per annum respectively for a sum Insured of 1, 2 or 3 lakhs.
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