Does the plan cover AYUSH treatments?

Yes. Treatments under Ayurveda, Yoga, Unani, Siddha, and Homeopathy are covered as per policy terms.

Can I choose a family floater option?

Yes. The plan is available in both individual and family floater variants, allowing multiple family members to share the sum insured.

What happens if I am treated in a non-network hospital?

You can file a reimbursement claim by submitting the required documents and bills, subject to policy terms and claim approval.

How does the waiting period affect my coverage?

Arogya Supreme Plus has a 30-day initial, 2-year specific, and 3-year pre-existing waiting period.

What happens if I don’t use my health insurance benefits for the entire year?

This policy offers a Cumulative Bonus, increasing the Sum Insured by 10% annually (max 50%).

Will my health insurance cover treatment abroad?

Arogya Supreme Plus does not cover treatment abroad; coverage is limited to India only.

OneAssure

Health Insurance

SBI

Arogya Supreme Plus

SBI Arogya Supreme Plus Plan

Experience India's most trusted health insurance with SBI Health Insurance. Get instant cashless treatment at 9000 network hospitals with sum insured up to ₹50 lakhs.

97

Claim Settlement Ratio

9000

Network Hospitals

8.4

Customer Rating

Policy Brochure

Policy Policy Wording

Get a Quote

97

Claim Settlement Ratio

9000

Network Hospitals

8.4

Customer Rating

Policy Brochure

Policy Policy Wording

Our Verdict

Expert Review: SBI Arogya Supreme Plus

Final Verdict

Arogya Supreme Plus offers extensive coverage, including maternity, critical illness, and home care options. Ideal for individuals and families seeking robust healthcare protection and financial security against rising medical costs.

About

About SBI Arogya Supreme Plus

Arogya Supreme Plus is a comprehensive health insurance plan designed to offer extensive medical coverage. It includes hospitalization expenses, pre- and post-hospitalization costs, day-care treatments, and alternative treatments like Ayurveda and Homeopathy. The plan provides high sum insured options, no room rent capping, and optional add-ons like critical illness cover. It also offers annual health check-ups and covers organ donor expenses. Ideal for individuals and families, Arogya Supreme Plus ensures financial security against rising healthcare costs.

Arogya Supreme Plus is a comprehensive health insurance plan designed to offer extensive medical coverage. It includes hospitalization expenses, pre- and post-hospitalization costs, day-care treatments, and alternative treatments like Ayurveda and Homeopathy. The plan provides high sum insured options, no room rent capping, and optional add-ons like critical illness cover. It also offers annual health check-ups and covers organ donor expenses. Ideal for individuals and families, Arogya Supreme Plus ensures financial security against rising healthcare...

Plus Ratings

Ratings: SBI Plus

Insurer Rating

8.91

out of 10

Insurance Rating

8

out of 10

No Room Rent Limit

Yes

Consumables Covered

No

No Co-payment

Yes

Loyalty Bonus >= 500%

Yes

No Disease Sublimits

Yes

Unlimited Restoration

Yes

Additional Benefits (Informational Only — Not part of score)

PED Waiting <= 2 Years

No

Maternity Available

No

Waiting Period Waiver

No

Testimonials

Real People. Real Relief

These are the moments that show what we really do. We don't sell you a policy. We stand by you when it matters most.

I want to sincerely thank Sunad for being there for me throughout the entire claim process. He helped me through so many ups and downs, always patient and ready to support when things got tough. I honestly don’t know how I would have managed without his guidance and encouragement. Sunad made a difficult situation feel a lot less stressful, and I’m truly grateful for his kindness and steadfast help.

Prashant Pandey

Mumbai, Maharashtra

Had a great experience with them during a difficult time. After my mother’s accident, we had to pay the hospital bill upfront, as cashless wasn’t available. They guided us through the reimbursement process, helped file the claim, and consistently followed up with the insurer until it was settled. Their support with the post-hospitalization claim was equally prompt and thorough.

Jatin Gala

Mumbai, Maharashtra

My heartfelt thanks to the OneAssure team for making my insurance claim process effortless. Right from the very first interaction, they demonstrated professionalism, clear communication, and an impressive command of the procedures involved. Their swift updates, timely guidance, and persistent follow-through removed all the stress from what could have been a complicated experience.

Anju Renjith

Bengaluru, Karnataka

I am truly grateful for the support and guidance I received in settling my insurance claim. The entire process was handled with great professionalism, clarity, and efficiency. Their prompt response, deep knowledge of the procedures, and consistent follow-ups ensured a smooth and hassle-free experience.Thank you once again for your invaluable help, highly recommended!

Yogesh Meena

Jaipur, Rajasthan

I recently had the pleasure of purchasing health insurance for my parents through this company, and my experience has been exceptional...The team was incredibly patient and took the time to explain every detail to me. No matter how many times I asked questions, they were always calm and thorough in their explanations. Their professionalism and dedication made a significant difference in helping me make an informed decision.

Akash Kumar

West Bengal

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Inclusions and Exclusions

Inclusions and Exclusions of SBI Arogya Supreme Plus

Room Rent

Normal: Coverage is provided for a Single Private AC Room.
ICU: Actual ICU/ICCU expenses are covered as billed by the hospital.

Advanced Treatments

Uterine Artery Embolization and HIFU (High intensity focused ultrasound)
Balloon Sinuplasty
Deep Brain stimulation
Oral chemotherapy
Immunotherapy - Monoclonal Antibody to be given as injection
Intra vitreal injections
Robotic surgeries
Stereotactic radio surgeries
Vaporisation of the prostrate (Green laser treatment or holmium laser treatment)
IONM - (Intra Operative Neuro Monitoring)
Stem cell therapy: Hematopoietic stem cells for bone marrow transplant for haematological conditions to be covered up to 25% of sum insured.

Co-payment

Allowing policyholders to choose a co-payment of either 10% or 20% on claims.

Cashless Healthcare Providers

Access to 16,881 network hospitals.

Waiting Period

Initial Waiting Period: 30 days from policy inception, excluding accidents.
Specific Illnesses: A 2-year waiting period applies to certain specified diseases.
Pre-existing Diseases: Coverage begins after a 3-year waiting period.
Hypertension, Diabetes, and Cardiac Conditions: A 90-day waiting period applies if these are not pre-existing at policy purchase.

Daycare Treatment

Medical procedures requiring less than 24-hour hospitalization are covered up to the Sum Insured, as per the indicative daycare list.

AYUSH Treatment

Expenses for alternative treatments, including Ayurveda, Yoga, Unani, Siddha, and Homeopathy, are covered up to the Sum Insured.

Room Rent

Normal: Coverage is provided for a Single Private AC Room.
ICU: Actual ICU/ICCU expenses are covered as billed by the hospital.

Advanced Treatments

Uterine Artery Embolization and HIFU (High intensity focused ultrasound)
Balloon Sinuplasty
Deep Brain stimulation
Oral chemotherapy
Immunotherapy - Monoclonal Antibody to be given as injection
Intra vitreal injections
Robotic surgeries
Stereotactic radio surgeries
Vaporisation of the prostrate (Green laser treatment or holmium laser treatment)
IONM - (Intra Operative Neuro Monitoring)
Stem cell therapy: Hematopoietic stem cells for bone marrow transplant for haematological conditions to be covered up to 25% of sum insured.

Co-payment

Allowing policyholders to choose a co-payment of either 10% or 20% on claims.

Exclusions

Pre-existing diseases are excluded until the completion of the specified waiting period.
Cosmetic or aesthetic procedures primarily for appearance enhancement are not covered.
Treatment related to alcohol or drug abuse is excluded.
Self-inflicted injuries or attempted suicide are not covered.
Medical expenses due to war, terrorism, or civil unrest are excluded.

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About the company

SBI Hеalth Insurancе is onе of India’s most rеliablе and customеr-focusеd hеalth insurancе providеrs, dеdicatеd to еnsuring complеtе financial sеcurity during mеdical еmеrgеnciеs. Thе company strivеs to makе quality hеalthcarе accеssiblе through its widе rangе of affordablе and comprеhеnsivе plans.
SBI Hеalth offеrs divеrsе policy options dеsignеd for individuals, familiеs, sеnior citizеns, and corporatе еmployееs. Each plan providеs covеragе for hospitalisation costs, surgеriеs, daycarе procеdurеs, and prе and post-hospitalisation еxpеnsеs. In addition, thе insurеr еxtеnds global covеragе, prеvеntivе wеllnеss bеnеfits, and top-up options to strеngthеn protеction according to variеd hеalthcarе nееds.

SBI Hеalth Insurancе is onе of India’s most rеliablе and customеr-focusеd hеalth insurancе providеrs, dеdicatеd to еnsuring complеtе financial sеcurity during mеdical еmеrgеnciеs. Thе company strivеs to makе quality hеalthcarе accеssiblе through its widе rangе of affordablе and comprеhеnsivе plans. SBI Hеalth offеrs divеrsе policy options dеsignеd for individuals, familiеs, sеnior citizеns, and corporatе еmployееs. Each plan providеs covеragе for hospitalisation costs, surgеriеs, daycarе procеdurеs, and prе and post-hospitalisation еxpеnsеs. In addition, thе insurеr еxtеnds...