How does the waiting period affect my coverage?

The Arogya Supreme Plan has a waiting period before covering pre-existing conditions and specific treatments, ensuring fair risk management.

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

Arogya Supreme Plan offers a No-Claim Bonus, increasing your sum insured for every claim-free year, enhancing future coverage benefits.

Does the Arogya Supreme Plan cover treatment abroad?

The Arogya Supreme Plan primarily covers treatments in India; international treatment is excluded unless specified under an add-on benefit.

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Health Insurance

SBI

Arogya Supreme

SBI Arogya Supreme

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

Get a Quote

97

Claim Settlement Ratio

20000

Network Hospitals

8.4

Customer Rating

Our Verdict

Expert Review: SBI Health Insurance

Final Verdict

SBI Arogya Supreme offers extensive coverage up to ₹1 crore, making it ideal for individuals and families seeking comprehensive protection. However, its multiple sub-limits and optional add-ons may increase costs.

About

About SBI Health Insurance

The SBI General Arogya Supreme Plan is a comprehensive health insurance policy designed to cater to diverse healthcare needs. It offers a wide range of sum insured options, from ₹1 lakh to ₹1 crore, accommodating various financial requirements.The policy encompasses 20 basic covers and 8 optional covers, ensuring extensive protection against medical expenses. Notable features include coverage for pre-hospitalization (30 or 60 days) and post-hospitalization (60, 90, or 180 days) expenses, as well as domiciliary hospitalization. The plan also addresses modern treatments, offering coverage up to 25% of the sum insured. With lifelong renewability and eligibility for individuals aged 18 to 65 years, it provides enduring health security for policyholders.

The SBI General Arogya Supreme Plan is a comprehensive health insurance policy designed to cater to diverse healthcare needs. It offers a wide range of sum insured options, from ₹1 lakh to ₹1 crore, accommodating various financial requirements. The policy encompasses 20 basic covers and 8 optional covers, ensuring extensive protection against medical expenses. Notable features include coverage for pre-hospitalization (30 or 60 days) and post-hospitalization (60, 90, or 180 days) expenses, as well...

Inclusions and Exclusions

Inclusions and Exclusions of SBI Insurance Company Limited

Room Rent

The SBI General Arogya Supreme Plan offers three variants—Pro, Plus, and Premium—with specific room rent and ICU limit.

Advanced Treatments

The Arogya supreme plan covers advanced treatments such as robotic surgeries, organ transplants, stem cell therapy, and proton beam therapy.

Co-payment

The SBI General Arogya Supreme Plan offers policyholders the flexibility to include a co-payment option, allowing them to share a portion of the admissible claim amount. Specifically, insured individuals can opt for a co-payment of either 10% or 20%, as specified in the policy schedule.

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.

Cashless Healthcare Providers

Access to 16,881 network hospitals.

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

The SBI General Arogya Supreme Plan offers three variants—Pro, Plus, and Premium—with specific room rent and ICU limit.

Advanced Treatments

The Arogya supreme plan covers advanced treatments such as robotic surgeries, organ transplants, stem cell therapy, and proton beam therapy.

Co-payment

The SBI General Arogya Supreme Plan offers policyholders the flexibility to include a co-payment option, allowing them to share a portion of the admissible claim amount. Specifically, insured individuals can opt for a co-payment of either 10% or 20%, as specified in the policy schedule.

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Exclusions

Pre-existing diseases are not covered during the initial waiting period as per policy terms.
Any illness diagnosed or treated within the first 30 days of policy issuance is excluded, except for accidental injuries.
Cosmetic or plastic surgery unless required due to accident, burns, or medical necessity is not covered.
Treatment for drug or alcohol abuse, self-inflicted injuries, or attempted suicide is excluded.
Expenses related to infertility treatments, assisted reproductive technology (ART), and in-vitro fertilization (IVF) are not covered.
Dental treatments, unless required due to accidental injury, are excluded.
Congenital diseases or genetic disorders requiring medical intervention are excluded.
Treatment for HIV/AIDS and other sexually transmitted diseases (STDs) is 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...

FAQs

Frequently Asked Questions

Got questions about health insurance? You’re not alone. Here are some of the most commonly asked questions to help you understand plans, coverage, claims, and benefits better.