SBI Arogya Supreme
SBI
8.4/10
OneAssure Rating
8.4/10
OneAssure Rating
Highlighted Features
Room Rent (Normal & ICU)
Covers a single private AC room for normal hospitalization and actual ICU/ICCU expenses as per hospital billing
Advanced Treatments
Includes modern procedures like robotic surgeries, stem cell therapy, and oral chemotherapy, covering stem cell therapy up to 25% sum insured.
Policy Wording
Explore more features
Our 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 the Plan
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.
About the Plan
Product Stats
Rating
Features of the Product
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.
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.
Hospitalization primarily for rest, rehabilitation, or physiotherapy without active treatment is not covered.
OPD consultations, routine health check-ups, and diagnostic tests unless covered under a specific add-on are not included.
Exclusions
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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.
About the Company
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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.
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.
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