How does the waiting period affect my coverage?

SBI Arogya Supreme Pro covers pre-existing diseases after a 3-year waiting period.

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

Offers a No-Claim Bonus Booster, increasing sum insured for claim-free years.

Will my health insurance cover treatment abroad?

Does not cover international treatments; applicable only for treatments within India.

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

The policy incorporates a compact baseline configuration layout designed for primary healthcare protection, allowing applicants to select their core sum insured exclusively from options of ₹3 Lakh, ₹4 Lakh, or ₹5 Lakh.

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 int

OneAssure

Health Insurance

SBI

Arogya Supreme Pro

Arogya Supreme Pro 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

Customer Rating

Policy Brochure

Policy Policy Wording

Get a Quote

97%

Claim Settlement Ratio

9000+

Network Hospitals

8

Customer Rating

Policy Brochure

Policy Policy Wording

Our Verdict

Expert Review: SBI Arogya Supreme Pro

Final Verdict

SBI Arogya Supreme Pro offers comprehensive coverage with no room rent sub-limits and add-ons like critical illness and maternity benefits. Ideal for families seeking robust healthcare protection and financial security.

About

About SBI Arogya Supreme Pro

SBI Health Insurance’s Arogya Supreme Pro is a comprehensive health plan offering extensive coverage for medical expenses. It includes hospitalization, pre- and post-hospitalization, day-care procedures, domiciliary treatment, and ambulance charges. The plan provides a high sum insured, cashless treatment at network hospitals, and annual health check-ups. Optional add-ons like critical illness cover and maternity benefits enhance protection. With no sub-limits on room rent and attractive no-claim bonuses, Arogya Supreme Pro ensures financial security and quality healthcare for policyholders.

SBI Health Insurance’s Arogya Supreme Pro is a comprehensive health plan offering extensive coverage for medical expenses. It includes hospitalization, pre- and post-hospitalization, day-care procedures, domiciliary treatment, and ambulance charges. The plan provides a high sum insured, cashless treatment at network hospitals, and annual health check-ups. Optional add-ons like critical illness cover and maternity benefits enhance protection. With no sub-limits on room rent and attractive no-claim bonuses, Arogya Supreme Pro ensures financial security and quality...

Pro Ratings

Ratings: SBI Pro

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 Pro

Room Rent

Normal: No sub-limits; covered up to the sum insured.
ICU: Fully covered up to the sum insured.

Advanced Treatments

Covers modern medical procedures like Robotic surgery, Stem cell therapy, and Organ transplant treatments.

Co-payment

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

Cashless Healthcare Providers

Access to 20,000+ network hospitals across India for cashless treatments.

Waiting Period

Pre-existing diseases: Covered after a 3-year waiting period.
Specific illnesses: Waiting period of 2 years.

Daycare Treatment

Covers 500+ day-care procedures, including cataract surgery, dialysis, and chemotherapy.

AYUSH Treatment

Covers Ayurveda, Yoga, Unani, Siddha, and Homeopathy treatments up to the sum insured.

Room Rent

Normal: No sub-limits; covered up to the sum insured.
ICU: Fully covered up to the sum insured.

Advanced Treatments

Covers modern medical procedures like Robotic surgery, Stem cell therapy, and Organ transplant treatments.

Co-payment

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

Exclusions

Pre-existing diseases covered after a 3-year waiting period.
Cosmetic and dental treatments excluded unless due to accidental injury.
Self-inflicted injuries, including suicide attempts and substance abuse, are not covered.
Injuries caused by war, terrorism, or nuclear exposure are excluded.
Unproven, experimental, or non-standard medical treatments are not covered.

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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...