How does the waiting period affect my coverage?

Arogya Supreme Premium 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 provides a Cumulative Bonus, increasing the Sum Insured by 15% annually (max 100%).

Will my health insurance cover treatment abroad?

Arogya Supreme Premium does not cover treatment abroad; coverage is restricted to India only.

What distinct high-value sum insured options can applicants select under this Premium configuration layout?

The policy incorporates a high-value financial protection architecture designed for extensive medical safety, allowing applicants to select their core sum insured exclusively from options beginning at ₹25 Lakh and extending up to ₹1 Crore layout.

Under what parameters can policyholders choose a cost-sharing model to modify their annual premiums?

The plan provides an optional premium optimization framework that empowers applicants to select a voluntary cost-sharing layout, allowing you to integrate a co-payment parameter of either 10% or 20% to reduce recurring policy charges.

OneAssure

Health Insurance

SBI

Arogya Supreme Premium

Arogya Supreme Premium Plan

Experience India's most trusted health insurance with SBI Health Insurance. Get instant cashless treatment at 20000 network hospitals with sum insured up to ₹50 lakhs.

97

Claim Settlement Ratio

20000

Network Hospitals

8.4

Customer Rating

Policy Brochure

Policy Policy Wording

Get a Quote

97

Claim Settlement Ratio

20000

Network Hospitals

8.4

Customer Rating

Policy Brochure

Policy Policy Wording

Our Verdict

Expert Review: SBI Health Insurance

Final Verdict

SBI Arogya Supreme Premium offers extensive coverage with high sum insured and valuable add-ons like air ambulance and home care. Best for individuals seeking comprehensive protection but with disease-specific sub-limits.

About

About SBI Health Insurance

The Arogya Supreme Premium plan by SBI General Insurance offers extensive health coverage with a sum insured exceeding ₹25 lakh. It includes 20 basic covers and 8 optional benefits, such as hospitalization expenses, modern treatments, and AYUSH therapies. Notably, it provides a 180-day post-hospitalization cover and a cumulative bonus of 15% per claim-free year, up to 100%. However, disease-specific sub-limits may apply to treatments like cataract surgery.

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 Insurance Company Limited

Co-payment

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

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
Bronchical Thermoplasty
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.

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.

Co-payment

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

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
Bronchical Thermoplasty
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.

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...