Arogya Supreme
  • Comprehensive protection
  • Choose SI
  • Choose policy tenure
SBI Health Insurance
premium

Network hospitals

20000+

premium

Claim settlement ratio

95.04%

premium

Sum insured

Up to 5 Lakh

premium

No. of Plans

10

premium

Solvency Ratio

1.98

premium

Pan India Presence

24700+

Customized Health Insurance Plan for you.

Get upto 15% Online Discount*

Select Members You Want To Insure

Age of Eldest Member

premium

Network hospitals

20000+

premium

Claim settlement ratio

95.04%

premium

Sum insured

Up to 5 Lakh

premium

No. of Plans

10

premium

Solvency Ratio

1.98

premium

Pan India Presence

24700+

SBI Arogya Supreme

SBI Arogya Supreme health plan is a diverse 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 and they can buy this policy for oneself, 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 available and policy tenure options for 1/2/3 years. Arogya Supreme SBI General offers exclusive covers like Domestic Air Ambulance Cover, Compassionate Benefit, Recovery Benefit and E-Opinion Cover along with preventive health check-up cover available as Renewal Benefit.

SBI Arogya Supreme Health Plan Specifications

Child Entry Age

Minimum: Children- 91 Days to 25 years

Adult Entry Age

Adult: 18 years Maximum: 65 Years

Sum Insured

3 L | 5 L | 7.5 L | 10 L | 15 L | 30 L | 40 L | 50 L | 1 Cr

Plan Type

Individual/ Family Floater

Policy Term

1/2/3 Years

Initial Waiting Period

30 Days*

*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.

Read more specifications in the brochure.

Choose your SBI Arogya Supreme Health Plan

In-patient & Out-patient coverage

Room Rent

Covered

ICU Charges

Covered

Pre-Hospitalization

Covered up to 30 Days

Post-Hospitalization

Covered up to 60 Days

Domiciliary Hospitalization

Covered up to SI

Daycare Treatment

Covered up to SI

OPD Charges

Covered

Coverage Terms

COVID-19 Treatment

Covered

Cataract

Covered

No Claim Bonus

Available up to 100% of SI

Automatic Restoration

Not Applicable

Daily Hospital Cash

Covered

Organ Donor

Covered up to SI

Maternity Cover

Not Available

New Born Baby Cover

Not Available

Alternative Treatments

AYUSH Treatment

Covered Up to SI

IVF Treatment

Not Available

Modern Treatment

Covered up to 25% of SI

Emergency Coverage

Ambulance

Covered up to INR 3k

Air Ambulance

Not Covered

Compassionate Travel

Not Available

Global Coverage

Not Available

Wellness Programmes

E-Consultation

Covered

Health Check-Up

Covered

Second Medical Opinion

Not Available

Vaccination

Not Available

Limitations

Co-payment

Applicable, 10% / 20% Co-payment

Sub-limits

Not Available

What is Room Rent?

The room rent limit is the maximum amount of bed charge that you can claim if you are hospitalized.

Common room categories covered under room rent are:

  • Private Single AC Room
  • Twin Sharing
  • General Ward

Coverage status under SBI Arogya Supreme Plan?

Under SBI Arogya Supreme Plan, the room rent is covered

  • Pro plan variant for SI 3 and 4 Lakh INR - Single Private AC Room and for SI 5 Lakh INR - Single Private AC Room with upgrade option available
  • Plus plan variant offers Single Private AC Room with upgrade option available
  • Premium plan variant offers Actuals up to Sum Insured
What are ICU Charges?

It is a special department in the hospitals where patients with serious medical conditions are treated.

Coverage status under SBI Arogya Supreme Plan Plan?

Under SBI Arogya Supreme Plan, ICU charges are covered

  • Pro plan variant as per actual ICU/ICCU expenses provided by the hospital
  • Plus plan variant as per actual ICU/ICCU expenses provided by the hospital
  • Premium plan variant actuals up to Sum Insured
What is Pre Hospitalization?

Medical expenses incurred before the hospitalization of the policyholder.

Coverage status under SBI Arogya Supreme Plan?

This plan covers medical expenses incurred during pre-hospitalization

  • Pro plan variant covers up to 30 days
  • Plus plan variant covers up to 60 days
  • Premium plan variant covers up to 60 days
What is Post Hospitalization?

Medical expenses incurred after the discharge of the policyholder from the hospital.

Coverage status under SBI Arogya Supreme Plan?

This plan covers medical expenses incurred during post-hospitalization

  • Pro plan variant covers up to 60 days
  • Plus plan variant covers up to 90 days
  • Premium plan variant covers up to 180 days
What is Domiciliary Hospitalization?

Home hospitalization arrangements for the insured person due to the unavailability of medical amenities in hospitals. The treatment should last equal to or more than 72 hrs to get financial coverage.

Coverage status under SBI Arogya Supreme Plan?

Under SBI Arogya Supreme Plan, domiciliary hospitalization is covered Up to SI.

What is Daycare Treatment?

Treatments that can be treated in less than 24 hours of hospitalization like blood dialysis, cataract, etc.

Coverage status under SBI Arogya Supreme Plan?

This plan covers the expenses of daycare treatment up to SI.

What are OPD charges?

Covers the cost of doctor consultations and prescribed medical tests that may not require hospitalization.

Coverage status under SBI Arogya Supreme Plan?

This plan covers OPD charges up to SI.

What is COVID-19 Treatment?

COVID-19 treatment includes the cost of treatment for COVID-19 with a confirmative diagnosis from Govt. approved Centre.

Coverage status under SBI Arogya Supreme Plan?

COVID-19 treatment is covered under this plan.

What is Cataract Treatment?

A common eye condition in which your vision gets blurred.

Coverage status under SBI Arogya Supreme Plan?

The plan does cover cataract treatment expenses

  • Under Pro Plan - INR 50k per eye
  • Under Plus and Premium Plan - INR 1 Lakh per eye
What is a No-Claim Bonus?

For every claim-free year, insurance companies reward policyholders with an increase in the Sum Insured amount as a no-claim bonus on policy renewal. However, in the case of a claim, this bonus amount either lapses or is reduced by a certain percentage that varies from plan to plan.

Coverage status under SBI Arogya Supreme Plan?

The cumulative Bonus is available up to 100% of SI

What is Automatic Restoration?

Automatic restoration is a benefit in which an insurance company restores the sum insured amount completely or up to a certain percentage after it gets fully exhausted in treatments. This restoration amount may vary from plan to plan.

Coverage status under SBI Arogya Supreme Plan?

Automatic restoration is not available.

What is Daily Hospital Cash?

It is a cash amount that you receive each day during the time of hospitalization.

Coverage status under SBI Arogya Supreme Plan?

The daily hospital cash is available up to INR 5k for 5/10/15/45 days.

What is an Organ Donor Cover?

It is a cover that includes the cost of the procedure for removing the damaged or malfunctioning organs from the body.

Coverage status under SBI Arogya Supreme Plan?

Under the plan, organ donor expenses are covered up to SI.

What is a Maternity Cover?

It refers to the cover that includes expenses for normal and c-section procedure deliveries.

Coverage status under SBI Arogya Supreme Plan?

Maternity expense is not covered under the SBI Arogya Supreme Plan.

What is a New Born Baby Cover?

It takes care of the medical expenses that arise due to the hospitalization of the newborn baby in case of unforeseen circumstances. Some of the common treatments that are covered under the newborn cover and these common treatments can vary from plan to plan:

  • Congenital anomaly (conditions since birth)
  • Acute condition
  • Chronic condition
  • Premature delivery
  • Birth asphyxia
  • Daycare treatment

Coverage status under SBI Arogya Supreme Plan?

New Born Baby Cover is not available under the SBI Arogya Supreme Plan.

What is AYUSH Treatment?

Refers to the cost of medicines and procedures used under AYUSH (Ayurveda, Yoga & Naturopathy, Unani, Siddha, and Homeopathy) treatment.

Coverage status under SBI Arogya Supreme Plan?

Covered Under SBI Arogya Supreme Plan up to SI

What is IVF Treatment?

In Vitro Fertilization (IVF) is a method of assisted reproductive technology. The common expenses incurred under IVF and infertility treatments are for:

  • Full infertility
  • No fertility
  • Infertility diagnosis
  • Infertility diagnosis and limited fertility treatment
  • Medication (which may or may not include fertility drug prescriptions)

Coverage status under SBI Arogya Supreme Plan?

Not available.

What is a Modern Treatment?

Medical treatments that demand the use of modern technology such as robotic surgeries, stem cell therapy, etc.

Coverage status under SBI Arogya Supreme Plan?

Under SBI Arogya Supreme modern treatments are covered up to 25% of SI

What is an Ambulance Cover?

An ambulance is used to move the patient from home to the hospital, transfer to another hospital, and take them for different tests outside the hospital.

Coverage status under SBI Arogya Supreme Plan?

Covered under SBI Arogya Supreme Plan

  • Pro Plan - Covered up to INR 3k
  • Plus Plan - Covered up to INR 5k
  • Premier Plan - Covered up to INR 7k
What is an Air Ambulance?

Air ambulances are specially prepared planes that transfer the patient from one place to another in case of a health emergency.

Coverage status under SBI Arogya Supreme Plan?

Covered under SBI Arogya Supreme Plan

  • Pro Plan - Not Covered
  • Plus Plan - Covered up to INR 5 L
  • Premier Plan - Covered up to INR 10 L
What is Compassionate Travel?

Refers to the traveling expenses of a family member of the insured person in case the policyholder gets admitted to a hospital outside his/her residential city.

Coverage status under SBI Arogya Supreme Plan?

Under this plan compassionate plan is available

  • Pro Plan - Not available
  • Plus and Premier Plan - Available
What is Global Coverage?

Any kind of medical/health emergency when you are outside of India.

Coverage status under SBI Arogya Supreme Plan?

Not available

What is E-Consultation?

If a policy offers e-consultation it allows policyholders to connect with a doctor for medical consultation through video chat, audio call, or chatbot.

Coverage status under SBI Arogya Supreme Plan?

The plan does covers e-consultations

  • Pro and Plus Plan - 4 E opinion
  • Premier Plan - Unlimited e-opinions
What is a Health Checkup?

A facility where the policyholder can avail of free health check-ups after fulfilling the company's policies.

Coverage status under SBI Arogya Supreme Plan?

Under the SBI Arogya Supreme Plan, health checkup is available.

What is a Second Medical Opinion?

If the policyholder wants, they may opt for a second medical opinion wherein the policyholder can consult another doctor within the company’s network of medical practitioners.

Coverage status under SBI Arogya Supreme Plan?

Not Available

What is Vaccination cover?

Coverage against the expenses incurred on vaccinations is provided by the insurance companies.

Coverage status under SBI Arogya Supreme Plan?

The plan does not cover vaccination expenses.

What is Co-payment?

In the co-payment clause, policyholders have to pay a portion of the hospitalization expense on their own and the insurer will pay the rest of the amount.

Status under SBI Arogya Supreme Plan?

Applicable, 10% / 20% Co-payment

What is the Sub limit?

Sub limit is a condition in which the insurer will have to pay the medical expense up to a certain percentage and the remaining amount will have to be paid by the policyholder.

Status under SBI Arogya Supreme Plan?

Not Applicable

Other Health Insurance Companies

SBI Arogya Supreme Health Plan Exclusions

Permanent Exclusions | Coverage after Waiting Period

Permanent Exclusions

Permanent diseases or health conditions that are not included under SBI Arogya Supreme Health Plan are:

Hospitalization out of war, riot, strike, and nuclear weapons

Intentional self-injury

Miscarriage, and abortion

Infertility and in vitro fertilization

Congenital disease

Coverage After Waiting Period

Certain diseases and treatments are covered under this plan after a certain time period. Read the details below:

Pre-existing diseases after 4 Years

Listed ailments after 2 Years

SBI Arogya Supreme Plan Benefits

SBI Arogya Supreme Health Plan has multiple advantages that policyholders can avail after the purchase.

Tax Benefits

Get tax relief under section 80D

HIV/AIDS Cover

Protect yourself against HIV/AIDS

Genetic Disorder Coverage

Avail coverage for genetic disorders

Optional Covers

Avail multiple optional coverages

Tax Benefits

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 illness, including AIDS.

Genetic Disorder Coverage

If you are hospitalized due to any genetic disorder 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 Benefit, Major Illness Benefit, Additional Sum Insured for Accidental Hospitalization, Enhanced Cumulative Bonus and more.

Sample Premium Illustration of SBI Arogya Supreme Health Plan

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

Individual Plan

Sum Insured (in Rs.)ProPlusPremium
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.)ProPlusPremium
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.)ProPlusPremium
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

Explore SBI Arogya Supreme Health Plan

Know more about SBI Life Health Insurance, its claim process, buying process, and contact details by clicking on the sections below:

Claim Process

Click to know the claim process of SBI Life Health Insurance Company

Buying Process

Click to know the buying process of SBI Life Health Insurance Company

Contact Us

For any query SBI Life Health Insurance Company

Renewal Process

Click to know SBI Health Renewal.

Explore other Sbi Health Plans

SBI Life Health Insurance offers a wide range of health insurance plans to fulfill the medical needs of individuals, families, and senior citizens.

Comprehensive Plan

A comprehensive health insurance plan that offers a 15% increase in cumulative bonus for every claim-free year and comes with 8 optional coverage options.

Unique Features

  • Bariatric Surgery cover
  • 573 Day Care procedures covered
  • Domestic Air Ambulance cover

Comprehensive/ Family Floater Plan

A policy designed to provide coverage to you and your family. Providing high SI of 30 lakhs, it covers maternity expenses to childbirth.

Unique Features

  • 12 advanced treatment procedures
  • Auto reinstatement of Sum Insured
  • No pre medical up to 55 years

Family Floater Plan

A fixed premium plan that offers coverage up to 3 Lakhs and offers protection against the expenses incurred during OPD and hospitalization.

Unique Features

  • Coverage for HIV/AIDS
  • Genetic Disorders covered
  • Internal Congenital Diseases covered

Affordable Plan

SBI Retail Health Insurance Policy

A affordable health insurance plan that provides coverage of up to 5 Lakhs. The plan offers several add-on riders for enhanced coverage.

Unique Features

  • No pre-medical up to 45 years
  • Flexible plan options
  • Child care available

Top-up policy

The policy comes into action post exhaustion of your current health plan and provides affordable premiums with various benefits.

Unique Benefits

  • Maternity Expenses covered
  • Ambulance coverage up to 5K
  • Coverage up to 50 Lakhs

Critical Illness policy

The plan offers coverage against 13 critical illnesses & financial support irrespective of the actual medical expenses, & comes with two policy tenures enabling customization.

Unique Features

  • Entry Age upto 65 years
  • Free-look period of 15 days
  • Coverage of up to 10 Lakh

Hospital Daily Cash

SBI Hospital Daily Cash Insurance Policy

The policy provides a fixed amount to the claimant for each day of hospitalization and expenses like traveling, food, and much more.

Unique Features

  • 4 daily benefit amount options
  • Hospital confinement expenses
  • Convalescence expenses

Loan Insurance Policy

SBI Loan Insurance policy helps you to repay your outstanding loan in case you are a victim of any of the listed 13 critical illnesses/accidental death/unemployment.

Unique Features

  • No Medical Tests required
  • Sum Insured of Rs.1 Crore
  • Available for a maximum of 3 years

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.

Health Insurance Articles

What is OPD Cover?

What is OPD Cover?March, 2022

SBI Arogya Supreme Health Plan: FAQs

1. What are the variants available under SBI Arogya Supreme Health Plan?

SBI Arogya Supreme offers 3 variants,

  • Pro (Silver)
  • Plus (Gold)
  • Premium (Platinum)

2. How many types of coverage does SBI Arogya Supreme offer?

SBI Arogya Supreme offers 3 types of policy coverage:

  • Individual Basis
  • Individual Family Basis
  • Family Floater Basis

3. How many adults can be covered under the family floater plan?

In SBI Arogya Supreme maximum 4 adults can be covered under Family Floater plan.

4. Can SBI Arogya Supreme cover a minor alone?

For a minor to be covered under SBI Arogya Supreme, one of the parents needs to be concurrently covered with us.

5. What is the eligibility age for a child to be covered under SBI Arogya Supreme to be covered as a dependent?

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.

6. What is the SBI Arogya Supreme policy tenure?

The policy is available for 1 year, 2 years, and 3 years.

7. Is Air Ambulance Service included in this cover?

Air Ambulance is included; however, payment will be done on a reimbursement basis. It is within the sum insured.

8. Is a cumulative bonus applicable in this policy?

Yes, the Cumulative Bonus is applicable for all 3 variants, the limit being 15% maximum up to 100.

9. Are health check-ups available under SBI Arogya Supreme?

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.

10. What is the waiting period applicable in SBI Arogya Supreme?

  • 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

Read Reviews & Ratings

Customer Review Image

priya

Pune

June 7, 2022

Best buy and reliable. I recently got a life insurance for myself from SBI. Also, my purchasing experience was made easy and swift, apart from the best deal given by PolicyX.

Customer Review Image

Saksham

Ahmedabad

June 7, 2022

I got the sbi general term insurance plan last year as I am concerned about my family. Such great plans. Great work.

Customer Review Image

kuljeet singh

Chandigarh

March 14, 2022

very good company with good plans. They always reply to my and my wife queries related to our old diseases and new doctor consultations. they OPD plan is very helpful.

Customer Review Image

Dhiraj Khanna

Mumbai

February 17, 2022

This is a reliable company as they fulfill their promise to help during any medical emergency. I am satisfied with their services.

Customer Review Image

Avantika Nagpal

Kolkata

October 12, 2021

Very amazing and helpful service offered by SBI Health. I am impressed by the way this company works.

Customer Review Image

Rekha Tyagi

Kolkata

October 8, 2021

Well done SBI Health. You are doing a great job. Also, I wanna thank PolicyX.com for your continuous support. Best of luck to both companies.

Customer Review Image

Kuwali Rai

Gandhinagar

September 2, 2021

truly grateful for all the help received at PolicyX. the agents are smart, dont waste time and have good knowlege

Customer Review Image

Vishwanber Sharma

Guwahati

September 1, 2021

Satisfied with the purchased plan. Will recommend others to invest too. Policy X team has guided, so thanks for that too

View All SBI Health Insurance Reviews