Network hospitals
6000+
Incurred claim ratio
73.92%
Sum insured
Up to 2 CR
No. of Plans
11
Solvency Ratio
1.8
Pan India Presence
141
Network hospitals
6000+
Incurred claim ratio
73.92%
Sum insured
Up to 2 CR
No. of Plans
11
Solvency Ratio
1.8
Pan India Presence
141
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 Insurance
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.
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
In-patient & Out-patient coverage
Room Rent
Covered
ICU Charges
Covered
Pre-Hospitalization
Covered up to 60 Days
Post-Hospitalization
Covered up to 90 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 5k
Air Ambulance
Covered up to INR 5 L
Compassionate Travel
Covered
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
In-patient & Out-patient coverage
Room Rent
Covered
ICU Charges
Covered
Pre-Hospitalization
Covered up to 60 Days
Post-Hospitalization
Covered up to 180 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 7k
Air Ambulance
Covered up to INR 10 L
Compassionate Travel
Covered
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
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:
Coverage status under SBI Arogya Supreme Plan?
Under SBI Arogya Supreme Plan, the room rent is covered
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
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
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
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.
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.
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.
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.
A common eye condition in which your vision gets blurred.
Coverage status under SBI Arogya Supreme Plan?
The plan does cover cataract treatment expenses
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
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.
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.
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.
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.
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:
Coverage status under SBI Arogya Supreme Plan?
New Born Baby Cover is not available under the SBI Arogya Supreme Plan.
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
In Vitro Fertilization (IVF) is a method of assisted reproductive technology. The common expenses incurred under IVF and infertility treatments are for:
Coverage status under SBI Arogya Supreme Plan?
Not available.
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
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
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
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
Any kind of medical/health emergency when you are outside of India.
Coverage status under SBI Arogya Supreme Plan?
Not available
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
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.
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
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.
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
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
Permanent Exclusions | Coverage after Waiting Period
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
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 Health Plan has multiple advantages that policyholders can avail after the purchase.
Get tax relief under section 80D
Protect yourself against HIV/AIDS
Avail coverage for genetic disorders
Avail multiple optional coverages
Amount paid towards the premium of this plan is eligible for tax relief under Section 80D of the Income Tax Act, 1961.
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.
If you are hospitalized due to any genetic disorder illness, SBI Arogya Supreme will pay medical expenses up to INR 1 Lakh.
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.
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.
| 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 |
| 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 |
| 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 |
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
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
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
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
Affordable Plan
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
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
Individual/Family Floater Plan
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
Corona Kavach
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
Corona Rakshak
The plan offers a lump sum benefit equal to 100% of the sum insured on the diagnosis of COVID-19.
Unique Benefits
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
Top-up policy
The policy comes into action post exhaustion of your current health plan and provides affordable premiums with various benefits.
Unique Benefits
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
Hospital Daily Cash
The policy provides a fixed amount to the claimant for each day of hospitalization and expenses like traveling, food, and much more.
Unique Features
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
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
Saral Suraksha
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
Saral Suraksha
The plan is designed uniquely for providing travel support, loss of passport, round-the-clock assistance, and many more benefits.
Unique Benefits
Saral Suraksha
A combination plan wherein you can secure both health and life, providing comprehensive coverage for medical emergencies and an assured life cover
Unique Benefits
Group Personal Accident
A versatile Group accident plan covering accidental death, ambulance cover, child education cover, adaptation allowance, and more.
Unique Features
Group Loan 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
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.
See More Health Insurance Articles
See More Health Insurance Articles
SBI Arogya Supreme offers 3 variants,
SBI Arogya Supreme offers 3 types of policy coverage:
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.
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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.
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