Health Premia
A premium health plan with coverage options and benefits that depend on the chosen variant.
Individual and family floaterKey features
- Higher sum insured options
- Variant based added benefits
- Cashless network
Benefits of this plan
Cashless hospitalisation+
Treatment at network hospitals without paying the full bill upfront.
Pre and post hospital costs+
Tests and medicines before and after admission are covered as per policy.
Day care and modern treatments+
Many procedures without 24 hour admission, as per policy list.
Tax benefits+
Under section 80D as per prevailing tax laws.
How to buy through SP Insurance
- 1Tell us the members, ages, city and any existing illness
- 2We compare sum insured options, room rent rules and waiting periods
- 3Fill the proposal form with complete medical history; we review it with you
- 4Pay the premium and receive the policy and health card
- 5Call our claim desk for cashless or reimbursement help whenever needed
Plan video
The official video for Health Premia will appear here soon. Ask our advisor for a quick explanation on call.
How and when the claim is paid
- 1Cashless: show your health card at a network hospital; the hospital sends pre-authorisation to the insurer
- 2Planned admission: inform the insurer at least 48 hours before; emergency: within 24 hours of admission
- 3Reimbursement: pay the bill, then submit the claim form, bills, reports and discharge summary within the time in the policy
- 4The insurer settles after checking documents, as per IRDAI timelines; our claim desk follows up for you
Check before you buy
- Initial waiting period, pre-existing disease waiting period and specific illness waiting periods apply
- Sum insured choices, room rent rules and optional covers differ by variant
- Premium depends on age of members, sum insured, city zone and add-ons chosen
Family financial planning starts here
Health Insurance
Health Premia
Fill in the plan details and your name, mobile and email, then press Calculate. Your estimate and a branded PDF will appear here.
Approximate figures without discounts or benefits. The insurer sets the final premium after underwriting.
This page is a summary prepared by SP Insurance. The insurer's current brochure, prospectus and policy wording are the final reference for benefits, eligibility and exclusions.