SBI Arogya Supreme Policy: Benefits & Coverage | PolicyX
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SBI Arogya Supreme Policy

SBI Arogya Supreme is a comprehensive health insurance plan designed f ...Read More

Up to 2 Cr
Sum insured
141+
Pan India presence
-%
Claim settlement ratio
🛡️ IRDAI Approved
⭐ 4.4/5 · 2,706 reviews
🏥 6,000+ hospitals
📊 2.03 solvency ratio
✅ -% claim settlement
Written by Anshika Ojha
Reviewed by Bijendra Singh
Published: 15 Nov 2024
Updated: 27 Jul 2026
Expert Verified
IRDAI Licensed

Overview

The SBI Arogya Supreme health plan is a diverse health insurance plan that provides a solution for all your healthcare needs. It covers 20 basic covers and 8 optional covers, so you don't have to worry about medical treatments and expenses. SBI Arogya Supreme covers any individual between 18 and 65 years of age. They can buy this policy for themselves, their spouse, dependent children (91 days - 25 years), parents, and parents-in-law.

SBI Arogya Supreme offers comprehensive benefits with a wide range of Sum Insured options and policy tenure options for 1, 2, or 3 years. Arogya Supreme SBI General offers exclusive covers like Domestic Air Ambulance Cover, Compassionate Benefit, Recovery Benefit, and E-Opinion Cover, along with a preventive health check-up cover available as a Renewal Benefit.

Video reviews

Walkthroughs from the PolicyX team — pros, cons, real claim experiences and who should buy.

SBI Arogya Supreme Health Insurance

SBI Arogya Supreme Health Insurance

In this video, we are diving into the details of the SBI Arogya Supreme policy, a comprehensive health insurance plan offered by State Bank of India.

SBI Arogya Supreme Plan Benefits

The SBI Arogya Supreme Health Plan has multiple advantages that policyholders can avail upon purchase.

  • Tax Benefits

    The amount paid towards the premium of this plan is eligible for tax relief under Section 80D of the Income Tax Act, 1961.

  • HIV/AIDS Cover

    If you are diagnosed with HIV during the Policy Period and require hospitalization, SBI Arogya Supreme will pay medical expenses related to HIV and HIV-related illnesses, including AIDS.

  • Genetic Disorder Coverage

    If you are hospitalized due to any genetic disorder or illness, SBI Arogya Supreme will pay medical expenses up to INR 1 Lakh.

  • Optional Covers

    SBI Arogya Supreme offers multiple optional coverages like Hospital Cash Benefits, Major Illness Benefits, Additional Sum Insured for Accidental Hospitalization, Enhanced Cumulative Bonuses, and more.

Exclusions

  • Hospitalization due to war, riot, strike, and nuclear weapons
  • Intentional self-injury
  • AIDS
  • Miscarriage and abortion
  • Congenital disease
  • Infertility and in vitro fertilization
  • Certain diseases and treatments are covered under this plan after a certain period. Read the details below:
    • Pre-existing diseases after 4 Years
    • Listed ailments after 2 Years

Sample Premium Illustration of SBI Arogya Supreme Health Plan

To understand the amount one needs to pay, let us go through the example below, wherein we have illustrated the sample premiums.

Individual Plan

Sum Insured (in Rs.) Pro Plus Premium
3 L 5 L 10 L 20 L 50 L 1 Cr
Premium Payable 7,016 8,546 11,170 13,840 24,986 29,501

Floater Plan - 2 Adults

Sum Insured (in Rs.) Pro Plus Premium
3 L 5 L 10 L 20 L 50 L 1 Cr
Premium Payable 13,508 16,581 21,831 27,206 49,279 58,263

Floater Plan - 2 Adults + 2 Kids

Sum Insured (in Rs.) Pro Plus Premium
3 L 5 L 10 L 20 L 50 L 1 Cr
Premium Payable 19,464 24,236 32,079 40,353 72,466 86,083

Plan at a glance

Eligibility, sum insured options and policy mechanics — pulled straight from the policy wording.

Entry age
18 to 65 years
Plan type
Individual and Family Health Insurance
Sum insured options
₹3 L, ₹5 L, ₹7 L, ₹10 L, ₹15 L, ₹30 L, ₹40 L, ₹50 L, ₹1 L
Waiting period
30 days
Renewability
Lifelong
Policy term
1/2/3 Years

*Initial Waiting Period is the time period between the issuance of the policy and the time it starts actively. During this period, a policyholder has to wait to avail of the benefits offered under a health insurance plan.

Pros & cons

A quick honest summary — the strengths and the trade-offs.

Pros

  • Domestic Air Ambulance Cover
  • Compassionate Benefit
  • Recovery Benefit

Cons

  • Automatic restoration
  • Maternity cover unavailable
  • Newborn baby cover
  • 2nd medical opinion not covered

What's covered

A quick look at what this plan covers — and what it doesn't.

Hospitalization

  • Room rent Covered
  • ICU charges Covered
  • Pre-hospitalization Covered
  • Post-hospitalization Covered
  • Domiciliary hospitalization Covered
  • Day-care treatment Covered
  • OPD charges Covered
  • Covid-19 treatment Covered
  • Cataract Covered

Bonuses & restoration

  • No-claim bonus Covered
  • Automatic restoration of SI Not covered
  • Daily hospital cash Covered

Family & special care

  • Maternity cover Not covered
  • New-born baby cover Not covered
  • IVF treatment Not covered
  • AYUSH treatment Covered
  • Organ donor expenses Covered

Modern & preventive care

  • Modern treatment Covered
  • Road ambulance Covered
  • Air ambulance Not covered
  • E-consultation Covered
  • Health check-up Covered
  • Second medical opinion Not covered
  • Vaccination Not covered

Conditions & global

  • Co-payment Covered
  • Sub-limits Not covered
  • Compassionate travel Not covered
  • Global coverage Not covered

SBI Health Insurance Network Hospital List

SBI Health Insurance Network Hospitals are present in 31 states nationwide. With a wide network of hospitals, SBI Health Insurance ensures that you are medically secured, irrespective of the city you reside in.

Delhi Mumbai Bengaluru Chennai Kolkata Hyderabad Pune Ahmedabad Jaipur Lucknow

Know More About Network Hospitals →

Who can buy this plan

Eligibility criteria pulled straight from the policy wording.

  • Entry age: 18 to 65 years
  • Sum Insured: 3 L | 5 L | 7.5 L | 10 L | 15 L | 30 L | 40 L | 50 L | 1 Cr
  • Policy Term: 1/2/3 Years
  • Initial Waiting Period: 30 Days

Frequently Asked Questions

The 13 most-asked questions about SBI Arogya Supreme Policy, answered.

SBI Arogya Supreme offers 3 variants, Pro (Silver) Plus (Gold) Premium (Platinum)
SBI Arogya Supreme offers 3 types of policy coverage: Individual Basis Individual Family Basis Family Floater Basis
In SBI Arogya Supreme maximum 4 adults can be covered under Family Floater plan.
For a minor to be covered under SBI Arogya Supreme, one of the parents needs to be concurrently covered with us.
Dependent children can be covered from 91 days and up to 25 years of age. If a child is 18 years old and is financially independent (it can be confirmed on the basis of the declaration of occupation & marital status on the proposal form), he/she will not be covered with parents on subsequent renewals.
The policy is available for 1 year, 2 years, and 3 years.
Air Ambulance is included; however, payment will be done on a reimbursement basis. It is within the sum insured.
Yes, the Cumulative Bonus is applicable for all 3 variants, the limit being 15% maximum up to 100.
For all the plans in case of renewals, a preventive health check-up, every year from 1st renewal irrespective of claims made under the policy will be allowed.
First 30 days waiting period (except accident) (The above waiting period shall not be applicable for claims arising due to COVID-19, Major Illness-Benefit, Hypertension, Diabetes and Cardiac Condition.) Specified diseases and procedures waiting period – 24 Months (If any of the specified disease / procedures falls under the waiting period specified for Pre-Existing Diseases, then the longer of the two waiting periods shall apply.) Pre-existing Diseases – 48 Months Hypertension, Diabetes, Cardiac Condition – 90 Days (A waiting period of 90 days shall apply for all claims of hypertension, diabetes, cardiac condition except if these diseases are pre-existing and disclosed at the time of Policy) Major Illness Benefit – 90 Days COVID-19 – 15 Days
Yes, the policy offers lifelong renewability, allowing you to continue coverage without any age limit, provided premiums are paid on time.
The minimum entry age is 18 years for adults (91 days for children), and the maximum entry age is typically 65 years.
Yes, pre-existing diseases are covered after a waiting period of 36 months from the policy start date.

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