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.

OneAssure

Health Insurance

SBI

Arogya Supreme

SBI Arogya Supreme

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 Policy Wording

Get a Quote

97

Claim Settlement Ratio

9000

Network Hospitals

8.4

Customer Rating

Policy Policy Wording

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

About SBI 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...

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...

Arogya Supreme Ratings

Ratings: SBI 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

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

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.

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

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

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.