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SBI Arogya Supreme

SBI Arogya Supreme

Refill 100% of the basic sum insured once in a policy year after it is used, add a 15% cumulative bonus up to 100% on a claim-free renewal, and cover AYUSH hospitalisation up to the sum insured.

97%

Claim Settlement Ratio

9,000+

Network Hospitals

8/10

Plan Rating

Policy Policy Wording

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Age (Children)

Coverage Amount

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Our Verdict

Expert Review: SBI Arogya Supreme

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

What Is Arogya Supreme?

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.

Arogya Supreme Ratings

Arogya Supreme

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

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

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

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

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

Akash Kumar

West Bengal

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Inclusions and Exclusions

SBI Arogya Supreme Inclusions and Exclusions

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.

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.

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About the company

About SBI

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.

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.

This content has been reviewed by Aman Shetty, Senior Insurance Advisor | BQP code: 33905

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