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 other Sbi Health Plans

SBI 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 with 9 base covers and 18 optional covers offering a wide range of sum insured from 3 to 25 Lakhs.

Unique Features

  • Optional Covers
  • Multiple Discounts
  • Tax Benefits

SBI Health Edge (Pros)

  • High SI up to 25 L
  • Unlimited Refill
  • Wellness Cover
  • Long-term Policy
  • AYUSH Cover

SBI Health Edge (Cons)

  • Cosmetic Treatment
  • Injury Due To Illegal Activity
  • Injury Due To Hazardous Activities
  • Adventure Sport Injuries
  • Unlawful Activities

SBI Health Edge (Other Benefits)

  • Family Floater Cover
  • Annual Health Check-up
  • Domestic Help Cover
  • Global Treatment
  • New Born Baby Cover

SBI Health Edge (Eligibility Criteria)

  • Entry Age - 91 Days
  • Max Entry Age - 65 Years
  • SI - 3 L to 25 L
  • Waiting Period - 30 Days

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
  • SI Auto Restoration
  • No pre medical up to 55 years

Arogya Premier Plan (Pros)

  • Road Ambulance
  • High SI
  • AYUSH Cover
  • Room Rent
  • Pre & Post Hospitalization

Arogya Premier Plan (Cons)

  • Cosmetic Treatment
  • Injury Due To Illegal Activity
  • Injury Due To Hazardous Activities
  • Adventure Sport Injuries
  • Unlawful Activities

Arogya Premier Plan (Other Benefits)

  • Family Floater
  • Tax Benefits
  • Affordable Premiums
  • Medicine Cover
  • Cataract Cover

Arogya Premier Plan (Eligibility Criteria)

  • Entry Age - 3 Months
  • Max Entry Age - 65 Years
  • SI - 50k to 10L
  • Waiting Period - 30 Days

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

Arogya Plus Plan (Pros)

  • Up to 7.5% discount
  • OPD Cover
  • Maternity Cover
  • Pre & Post Hospitalization
  • 141 Daycare Treatments

Arogya Plus Plan (Cons)

  • Cosmetic Treatment
  • Injury Due To Illegal Activity
  • Injury Due To Hazardous Activities
  • Adventure Sport Injuries
  • Unlawful Activities

Arogya Plus Plan (Other Benefits)

  • Nursing Expenses
  • Domiciliary Hospitalization
  • AYUSH Cover
  • Medicines Cover
  • Tax Benefits

Arogya Plus Plan (Eligibility Criteria)

  • Entry Age - 3 Months
  • Max Entry Age - 65 Years
  • SI - 1 L to 3 L
  • Waiting Period - 30 Days

Standard Plan

A standard health insurance plan that comes with a coverage of 10 Lakhs. Moreover, the plan comes with a 5% Co-pay, applicable on all the admissible claims.

Unique Features

  • Advanced Procedures covered
  • Lifelong renewals
  • Cumulative Bonus of 5%

SBI Arogya Sanjeevani (Pros)

  • Road Ambulance
  • High SI
  • AYUSH Cover
  • Room Rent
  • Pre & Post Hospitalization

SBI Arogya Sanjeevani (Cons)

  • Cosmetic Treatment
  • Injury Due To Illegal Activity
  • Injury Due To Hazardous Activities
  • Adventure Sport Injuries
  • Unlawful Activities

SBI Arogya Sanjeevani (Other Benefits)

  • Family Floater
  • Tax Benefits
  • Affordable Premiums
  • Medicine Cover
  • Cataract Cover

SBI Arogya Sanjeevani (Eligibility Criteria)

  • Entry Age - 3 Months
  • Max Entry Age - 65 Years
  • SI - 50k to 10L
  • Waiting Period - 30 Days

Affordable Plan

SBI Retail Health Insurance Policy

A family floater plan for metro and non-metro cities offering wide coverage of INR 5 Lakhs. No pre-policy medical check-up is required to avail of this policy.

Unique Features

  • Consultancy Cover
  • Tax Benefits
  • SI Upto 5 L

Retail Health Policy (Pros)

  • Add-on Covers Available
  • ICU Benefit
  • Ambulance Cover
  • Free Medical Check-up
  • Parental Care

Retail Health Policy (Cons)

  • Cosmetic Treatment
  • Injury Due To Illegal Activity
  • Injury Due To Hazardous Activities
  • Adventure Sport Injuries
  • Unlawful Activities

Retail Health Policy (Other Benefits)

  • High SI
  • Child Care
  • Cataract Care
  • AYUSH Care
  • Mental Illness

Retail Health Policy (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 50k to 5 L
  • Waiting Period - 30 Days

Individual/Family Floater Plan

An all-inclusive insurance cover to cater to your health & fitness needs. It is an individual and family floater policy with 7 optional covers to select from.

Unique Benefits

  • Tax Benefits
  • Reinsure Benefit
  • Health Multiplier

Super Health Insurance (Pros)

  • Enhanced Cumulative Bonus
  • Daycare Procedures
  • Maternity Cover
  • Annual Health Check-up
  • Optional Covers

Super Health Insurance (Cons)

  • Cosmetic Treatment
  • Injury Due To Illegal Activity
  • Injury Due To Hazardous Activities
  • Adventure Sport Injuries
  • Unlawful Activities

Super Health Insurance (Other Benefits)

  • OPD Expenses
  • International Treatment
  • SI up to 2 Crores
  • Flexible-Premium Payment
  • Domestic Staff Cover

Super Health Insurance (Eligibility Criteria)

  • Entry Age - 91 Days
  • Max Entry Age - No Limit
  • SI - 3 L to 2 Crore
  • Waiting Period - 30 Days

Individual/Family Floater Plan

SBI Divyanga Suraksha

This plan is designed to provide healthcare coverage to individuals with disabilities and HIV/AIDS offering a sum insured of INR 4 and 5 Lakhs.

Unique Features

  • In-Patient Hospitalization
  • Tax Benefits
  • SI Upto 5 L

Divyanga Suraksha (Pros)

  • AYUSH Cover
  • Room Rent Cover
  • ICU Cover
  • Ambulance Cover
  • Cataract Cover

Divyanga Suraksha (Cons)

  • Cosmetic Treatment
  • Injury Due To Illegal Activity
  • Injury Due To Hazardous Activities
  • Adventure Sport Injuries
  • Unlawful Activities

Divyanga Suraksha (Other Benefits)

  • Modern Treatment
  • Pre-hospitalization
  • Post-hospitalization
  • HIV/AIDS Cover
  • Disability Cover

Divyanga Suraksha (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 4 L to 7 5 L
  • Waiting Period - 30 Days

Corona Kavach

SBI Corona Kavach Policy

A standard corona-specific health cover that protects you from COVID-19. The plan covers room rent, ICU expenses, and home care expenses for up to 14 days.

Unique Benefits

  • Tax Benefits
  • No Medical check-up
  • New Born Cover

Corona Kavach Policy (Pros)

  • Room Rent Cover
  • ICU Cover
  • Doctor Fee Cover
  • Ambulance Cover
  • Nursing Expense Cover

Corona Kavach Policy (Cons)

  • Cosmetic Treatment
  • Injury Due To Illegal Activity
  • Injury Due To Hazardous Activities
  • Adventure Sport Injuries
  • Unlawful Activities

Corona Kavach Policy (Other Benefits)

  • Medicine Charges
  • Pre & Post Hospitalization Cover
  • Hospital Daily Cash
  • Affordable Premiums
  • SI Up to 5 L

Corona Kavach Policy (Eligibility Criteria)

  • Entry Age - 1 Day
  • Max Entry Age - 65 Years
  • SI - 50k to 5 L
  • Waiting Period - 30 Days

Corona Rakshak

SBI Corona Rakshak Policy

The plan offers a lump sum benefit equal to 100% of the sum insured on the diagnosis of COVID-19.

Unique Benefits

  • Tax Benefits
  • Lump Sum Benefit
  • Minimum Waiting Period

Corona Rakshak Policy (Pros)

  • Room Rent Cover
  • Single Premium Payment
  • Affordable Premiums
  • Upto 2.5 L SI
  • 15-Day Waiting Period

Corona Rakshak Policy (Cons)

  • Cosmetic Treatment
  • Injury Due To Illegal Activity
  • Injury Due To Hazardous Activities
  • Adventure Sport Injuries
  • Unlawful Activities

Corona Rakshak Policy (Other Benefits)

  • Up to 65 Years Entry Age
  • 3-month policy period
  • 6-month policy period
  • 9-month policy period
  • Standard COVID-19 plan

Corona Rakshak Policy (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 50k - 2.5 L
  • Waiting Period - 30 Days

Individual

SBI Personal Accident plan provides protection against accidental death, loss of life, and disabilities, it offers a cumulative bonus along with add-ons for ambulance charges.

Unique Benefits

  • Tax Benefits
  • No Pre-policy check-up
  • Affordable Premiums

Individual Personal Accident (Pros)

  • Loss of Life Cover
  • Disabilities Cover
  • Loss of Income Cover
  • Permanent Total Disability
  • Education Benefit

Individual Personal Accident (Cons)

  • Cosmetic Treatment
  • Injury Due To Illegal Activity
  • Injury Due To Hazardous Activities
  • Adventure Sport Injuries
  • Unlawful Activities

Individual Personal Accident (Other Benefits)

  • Add-on Covers
  • Temporary Total Disability
  • Permanent Total Disability
  • Permanent Partial Disability
  • Accidental Death

Individual Personal Accident (Eligibility Criteria)

  • Entry Age - 3 Months
  • Max Entry Age - 65 Years
  • SI - 1 L to 1 Crore
  • Waiting Period - 30 Days

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

Arogya Top Up Policy (Pros)

  • Up to 7.5% discount
  • OPD Cover
  • Tax Benefits
  • Pre & Post Hospitalization
  • 141 Daycare Treatments

Arogya Top Up Policy (Cons)

  • Cosmetic Treatment
  • Injury Due To Illegal Activity
  • Injury Due To Hazardous Activities
  • Adventure Sport Injuries
  • Unlawful Activities

Arogya Top Up Policy (Other Benefits)

  • High SI
  • Room Rent Covered
  • Physiotherapy Covered
  • Affordable Premiums
  • Domiciliary Hospitalization

Arogya Top Up Policy (Eligibility Criteria)

  • Entry Age - 91 Days
  • Max Entry Age - 65 Years
  • SI - 1 L to 50L
  • Waiting Period - 30 Days

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

Critical Illness Plan (Pros)

  • Covers 13 CI
  • Cancer Care
  • Kidney Failure
  • Organ Transplant
  • Stroke

Critical Illness Plan (Cons)

  • Cosmetic Treatment
  • Injury Due To Illegal Activity
  • Injury Due To Hazardous Activities
  • Adventure Sport Injuries
  • Unlawful Activities

Critical Illness Plan (Other Benefits)

  • High SI
  • Paralysis
  • Coma
  • 2 Plan variants
  • Blindness Cover

Critical Illness Plan (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 3 L to 10 L
  • Waiting Period - 30 Days

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

Hospital Daily Cash Policy (Pros)

  • Daily Cash Benefit
  • Tax Benefits
  • Optional Covers
  • ICU Benefit
  • Accident Injury

Hospital Daily Cash Policy (Cons)

  • Cosmetic Treatment
  • Injury Due To Illegal Activity
  • Injury Due To Hazardous Activities
  • Adventure Sport Injuries
  • Unlawful Activities

Hospital Daily Cash Policy (Other Benefits)

  • Compassionate Benefit
  • Daycare Treatment
  • Maternity Cover
  • Sickness Cash Benefit
  • Affordable Premiums

Hospital Daily Cash Policy (Eligibility Criteria)

  • Entry Age - 3 Months
  • Max Entry Age - 65 Years
  • SI - 500 to 2,000
  • Waiting Period - 30 Days

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

  • Tax Benefits
  • Personal Accident Cover
  • SI up to 1 Crore

Loan Insurance Policy (Pros)

  • Loss of Job Cover
  • Long Term Policy
  • Affordable Premiums
  • Death Cover
  • Permanent Disablement

Loan Insurance Policy (Cons)

  • Cosmetic Treatment
  • Injury Due To Illegal Activity
  • Injury Due To Hazardous Activities
  • Adventure Sport Injuries
  • Unlawful Activities

Loan Insurance Policy (Other Benefits)

  • Cancer Cover
  • Organ Transplant Cover
  • Paralysis Cover
  • Organ Transplant
  • Blindness Cover

Loan Insurance Policy (Eligibility Criteria)

  • Entry Age - N/A
  • Max Entry Age - N/A
  • SI - Up to 1 Crore
  • Waiting Period - 30 Days

Group Insurance Policy

This plan is available for individuals and families, wherein the plan will take care of medical expenses with affordable premium rates.

Unique Features

  • Tax Benefits
  • Wide Coverage
  • Room Rent Covered

Group Health Policy (Pros)

  • Medical Practitioners Available
  • Specialist Fees Cover
  • Daycare Expenses
  • Domiciliary Hospitalization
  • Pre & Post Hospitalization

Group Health Policy (Cons)

  • Cosmetic Treatment
  • Injury Due To Illegal Activity
  • Injury Due To Hazardous Activities
  • Adventure Sport Injuries
  • Unlawful Activities

Group Health Policy (Other Benefits)

  • Individual Cover
  • Family Cover
  • High SI
  • Policy Renewal opted
  • Ambulance Cover

Group Health Policy (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 1 - 5 L
  • Waiting Period - 30 Days

Saral Suraksha

SBI Saral Suraksha Bima

Designed for individuals between the ages of 18 to 70 years, the plan offers coverage for accidental death, permanent, total, and permanent partial disability.

Unique Benefits

  • Tax Benefits
  • Education Grant
  • Affordable Premiums

Saral Suraksha Bima (Pros)

  • Loss of Life
  • Affordable Premiums
  • Temporary Total Disablement
  • Hospitalization Expenses
  • Up to 5% Cumulative Bonus

Saral Suraksha Bima (Cons)

  • Cosmetic Treatment
  • Injury Due To Illegal Activity
  • Injury Due To Hazardous Activities
  • Adventure Sport Injuries
  • Unlawful Activities

Saral Suraksha Bima (Other Benefits)

  • Up to 1 Crore SI
  • Accidental Death Cover
  • Individual and Family Floater
  • 1-Year Policy Term
  • Multiple Discounts

Saral Suraksha Bima (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 70 Years
  • SI -2.5 L - 1 Crore
  • Waiting Period - 30 Days

Saral Suraksha

SBI Travel Insurance (B & H)

The plan is designed uniquely for providing travel support, loss of passport, round-the-clock assistance, and many more benefits.

Unique Benefits

  • Tax Benefits
  • Wide Coverage
  • Affordable Premiums

Travel Insurance (B & H) (Pros)

  • Quick Payout Process
  • Global Coverage
  • 24/7 Emergency Assistance
  • Multi Trip Insurance
  • Single Trip Insurance

Travel Insurance (B & H) (Cons)

  • Cosmetic Treatment
  • Injury Due To Illegal Activity
  • Injury Due To Hazardous Activities
  • Adventure Sport Injuries
  • Unlawful Activities

Travel Insurance (B & H) (Other Benefits)

  • Loss of Passport
  • Trip delays
  • Home Burglary
  • Covers Personal Liability
  • Travel Support

Travel Insurance (B & H) (Eligibility Criteria)

  • Entry Age - 6 Months
  • Max Entry Age - 70 Years
  • SI - $ 5,00,000
  • Waiting Period - 30 Days

Saral Suraksha

SBI Arogya Shield

A combination plan wherein you can secure both health and life, providing comprehensive coverage for medical emergencies and an assured life cover

Unique Benefits

  • Tax Benefits
  • Dual Protection
  • Affordable Premiums

SBI Arogya Shield (Pros)

  • Cashless Claims
  • 141 Daycare Procedures
  • High SI
  • Health Cover
  • Life Cover

SBI Arogya Shield (Cons)

  • Cosmetic Treatment
  • Injury Due To Illegal Activity
  • Injury Due To Hazardous Activities
  • Adventure Sport Injuries
  • Unlawful Activities

SBI Arogya Shield (Other Benefits)

  • Pre Hospitalization
  • Post Hospitalization
  • Domiciliary Hospitalization
  • Outpatient Treatment
  • Alternative Treatment

SBI Arogya Shield (Eligibility Criteria)

  • Entry Age - 91 Days
  • Max Entry Age - 65 Years
  • SI - 1 - 3 L
  • Waiting Period - 30 Days

Group Personal Accident

SBI Group Personal Accident Policy

A versatile Group accident plan covering accidental death, ambulance cover, child education cover, adaptation allowance, and more.

Unique Features

  • Loss of Life Cover
  • Permanent Total Disability
  • Child Education Cover

Group Personal Accident Policy (Pros)

  • Accidental Death
  • Permanent Total Disability Cover
  • Ambulance Cover
  • Funeral Expenses Cover
  • Repatriation Cover

Group Personal Accident Policy (Cons)

  • Cosmetic Treatment
  • Injury Due To Illegal Activity
  • Injury Due To Hazardous Activities
  • Adventure Sport Injuries
  • Unlawful Activities

Group Personal Accident Policy (Other Benefits)

  • Temporary Total Disability Cover
  • Temporary Partial Disability Cover
  • High SI
  • Tax Benefits
  • Affordable Premiums

Group Personal Accident Policy (Eligibility Criteria)

  • Entry Age - N/A
  • Max Entry Age - N/A
  • SI - 2 L - 20 L
  • Waiting Period - 30 Days

Group Loan Policy

SBI Group Loan Insurance Policy

A unique health insurance policy that can be availed for 5 years, covers 15 critical illnesses, accidental death, accidental hospitalization, and more.

Unique Features

  • Long Term Policy
  • Personal Accident Cover
  • Critical Illness Benefit

Group Loan Policy (Pros)

  • Permanent Total Disability
  • Loss of Limbs Cover
  • Loss of Sight Cover
  • Speech Loss Cover
  • Hearing Loss Cover

Group Loan Policy (Cons)

  • Cosmetic Treatment
  • Injury Due To Illegal Activity
  • Injury Due To Hazardous Activities
  • Adventure Sport Injuries
  • Unlawful Activities

Group Loan Policy (Other Benefits)

  • Cancer Cover
  • Coma Expenses Cover
  • Kidney Failure Cover
  • Blindness Cover
  • Accidental Hospitalization Cover

Group Loan Policy (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 1 L - 10 L
  • Waiting Period - 30 Days

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.

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

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Simran Oberai

Gurgaon

1 days ago

My search for the best cancer insurance plan for me ended with the SBI Critical Illness health insurance plan suggested by insurance experts at PolicyX.

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Ritika Bhalla

Kolkata

February 16, 2024

For all my SBI health insurance plan queries like premium comparison, renewal, and rider information I turn to PolicyX.

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Sakshi Kapoor

Ranchi

February 16, 2024

Maternity insurance was a major concern for me. PolicyX suggested the SBI Super Health Insurance which has got everything I need and more.

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Toshani Yadav

Meerut

February 16, 2024

I am extremely happy with PolicyX customer support, as I was stuck with a claim settlement request for my SBI Health Edge claims and they solved it quickly.

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Bilal

Bhopal

February 16, 2024

I am happy with the customer support of PolicyX as they helped me with the queries for my SBI Health Edge policy.

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Thomas

Kochi

January 14, 2024

Good insurance,hassle free clearance at aster medicity with help of aldun.covered full amount for my wife& 039;s maternity admission. New born charges were not covered

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Piyush Kumar

Indore

May 1, 2023

PolicyX offers a wide range of insurance options from various insurance providers. Their website allowed me to compare different policies and choose the one that best suits my needs and budget.

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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.

View All SBI Health Insurance Reviews

Naval Goel

Reviewed By: Naval Goel

Naval Goel is the CEO & founder of PolicyX.com. Naval has an expertise in the insurance sector and has professional experience of more than a decade in the Industry and has worked in companies like AIG, New York doing valuation of insurance subsidiaries. He is also an Associate Member of the Indian Institute of Insurance, Pune. He has been authorized by IRDAI to act as a Principal Officer of PolicyX.com Insurance Web Aggregator.