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Arogya Supreme Policy
Plan Your Family’s Health
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What is the Arogya Supreme Policy?
SBI Arogya Supreme is a comprehensive healthcare solution that offers coverage for various medical needs. It includes 20 basic covers and 8 additional optional covers, ensuring that you are protected from healthcare expenses. This policy is available for individuals aged 18 to 65 and can be purchased for oneself, spouse, dependent children (91 days to 25 years), parents and parents-in-law.
Types of Arogya Supreme Policy
The SBI Arogya Supreme policy offers three types of plans to choose from based on individual healthcare needs. Each plan provides different coverage options and benefits to cater to varying medical requirements and budgets. It is important to carefully evaluate the features of each plan to select the one that best aligns with your healthcare preferences and financial capabilities.
Pro Plan
Plus Plan
This plan provides a range of sum insured options, starting from 6,00,000 rupees and going up to 20,00,000 rupees. This gives policyholders flexibility to choose the coverage amount that best meets their needs and budget.
Premium Plan
This plan offers a sum insured amount that exceeds 25,00,000 rupees, providing extensive coverage for a wide range of potential medical expenses.
Arogya Supreme Policy Specifications
| Specification | Details |
| Policy Name | SBI Arogya Supreme Policy |
| Launch Date | July 8, 2021 |
| Sum Insured Options | ₹5,00,000 to ₹50,00,000 |
| Plan Types | Individual, Family Floater, Individual Family |
| Eligibility | Adults: 18-65 years, Children: 91 days - 25 years |
| Policy Term | 1, 2, or 3 years |
| Pre-Policy Medical Check-Up | Required for applicants above 45 years and sum insured of ₹50,00,000 & above |
| Renewability | Lifelong |
| Discounts Available | Family Discount, Long Term Policy Discount, Loyalty Discount, Online Discount, Co-Pay Discount, Regional Discount |
| Coverage | 20 basic covers and 8 optional covers, including hospitalization, daycare treatment, and organ donor coverage. |
| Initial Waiting Period | 30 days |
| Post-Hospitalization Coverage | Up to 60 days |
| Pre-Hospitalization Coverage | Up to 30 days |
| Domiciliary Hospitalization | Covered up to the sum insured |
| COVID-19 Treatment | Covered |
| Ambulance Charges | Covered up to ₹3,000 |
| E-Consultation | Covered |
| No Claim Bonus | Available up to 100% of the sum insured |
| Compassionate Travel | Covered |
| Exclusions | Maternity cover, Newborn baby cover, certain specified illnesses, and vaccination expenses. |
| Claim Settlement Ratio | 73.92% |
| Network Hospitals | Over 6000 |
| Solvency Ratio | 1.8 |
| Contact Information | SBI General Insurance Company Limited, Toll-Free: 1800 102 1111 |
Choose the Best Health Insurance Plan
that provides all the necessary coverage benefits you need at affordable premiums.
Coverage Benefits of SBI Arogya Supreme Policy
The SBI Arogya Supreme policy provides extensive coverage with 20 essential benefits and 8 optional covers, allowing customization according to individual requirements, It offers financial protection against medical expenses, ensuring comprehensive support.
| Feature | Details |
| Sum Insured Range | 3 Lakhs to 5 Lakhs rupees, 6 Lakhs to 20 Lakhs rupees, 25 Lakhs rupees and above |
| Room Rent | Single Private AC Room (options to upgrade or restriction apply) |
| ICU Charges | As per actual ICU/ICCU expenses provided by the Hospital |
| Pre-Hospitalization | 30/60 days |
| Post-Hospitalization | 60/90/180 days |
| Domiciliary Hospitalization | Up to the Sum Insured |
| Daycare Treatments | Covered up to the Sum Insured as per indicative Day care list |
| OPD Coverage | Oral Chemotherapy is covered as OPD |
| COVID-19 Treatment | 15 Days waiting period |
| Cataract Treatment | 50,000 rupees per eye (3 Lakhs & 4 Lakhs rupees plans), 1 Lakh rupees per eye (5 Lakhs rupees and above plans) |
| No Claim Bonus | 15% up to a maximum of 100% of Basic Sum Insured |
| Daily Hospital Cash | 500 to 5,000 for 5/10/15/45 days |
| Organ Donor Expenses | Covered up to Sum Insured |
| AYUSH Treatment | Covered up to Sum Insured |
| Modern Treatments | Various advanced procedures covered up to 25% of the Sum Insured |
| Ambulance Cover | 3,000 to 7,000 rupees per hospitalization |
| Mental Healthcare | Up to Sum Insured (Sub limit - 10% of the Sum Insured, max 50,000 rupees) |
| Genetic Disorders | Claim amount subject to a max of 100,000 rupees |
| Bariatric Surgery | Up to the Sum Insured |
| Recovery Benefit | 5,000 rupees to 15,000 rupees per hospitalization |
| Sum Insured Refill | Covered |
| E-Opinion | 4 to Unlimited E-Opinions |
What’s Covered and Not Covered in SBI Arogya Supreme Policy
Arogya Supreme Policy Inclusions
- In-patient Hospitalization Treatment
- Mental Healthcare
- HIV / AIDS Cover
- Genetic Disorder
- Internal Congenital Anomaly
- Bariatric Surgery Cover
- Advance Procedures
- Cataract Treatment
- Pre-Hospitalization Cover
- Post-Hospitalization Cover
- Domiciliary Hospitalization
- Day Care Treatment
- Road Ambulance
- Organ Donor Expenses
- Alternative Treatment / AYUSH
- Domestic Emergency Assistance Services (including Air Ambulance)
- Sum Insured Refill
- Compassionate Visit
- E-Opinion
Arogya Supreme Policy Waiting Periods
- The 30-day waiting period does not apply to claims related to COVID-19, major illnesses, hypertension, diabetes or cardiac conditions
- 24-month waiting period for specified diseases and procedures. If a specified disease/procedure is also considered a pre-existing condition, the longer waiting period will apply
- Pre-existing diseases not covered for the first 48 months
- 90-day waiting period for claims related to hypertension, diabetes and cardiac conditions, unless pre-existing and disclosed during policy application
- 90-day coverage for major illnesses
- 15 days restriction for COVID-19
Similar Insurance Company Plans
Individual And Family Health Insurance Plan
Coverage Benefits
- Extensive network hospitals
- Customizable coverage options
- Wellness programs
Eligibility Criteria
- Extensive network hospitals
- Customizable coverage options
- Wellness programs
Coverage Benefits
- Extensive network hospitals
- Customizable coverage options
- Wellness programs
Eligibility Criteria
- Extensive network hospitals
- Customizable coverage options
- Wellness programs
Arogya Supreme Policy Claim Process
Cashless Hospitalization and Reimbursement Claim Process
Timeline for Claim Notification
SBI Health Insurance Contact Details
You may contact SBI Health Insurance using the below-mentioned information if you have any queries about Care Health Insurance plans:
Phone : 1800-102-1111
Website: SBI Health Insurance
Download the Mobile App for easy policy management.
Best Health Insurance Plans In India
When it comes to the best health insurance, there is no “one-size-fits-all” policy. It is like choosing a Netflix or OTT plan - different plans offer different benefits and have different costs. However, this age is designed to meet the diverse needs of most users, making it a versatile and comprehensive health insurance comparison page.
It is essential to conduct a thorough comparison to find the policy that best suits your needs. We have created a comprehensive table of how some of the top mediclaim policies in India compare to others in the industry.
| Insurance Provider | Plan Name | Coverage Type | Sum Insured Range | Age Limit (Adults) | Important Parameters | |
|---|---|---|---|---|---|---|
| Care Advantage Health Insurance Plan | Individual & Family Floater | ₹2 Lakh - ₹6 Crore | 18-65 years |
|
Check Premium | |
| ICICI Elevate Health Insurance Policy | Individual & Family Floater | ₹2 Lakh - ₹6 Crore | 18-65 years |
|
Check Premium | |
| IFFCO Tokio Family Health Protector Policy | Individual & Family Floater | ₹2 Lakh - ₹6 Crore | 18-65 years |
|
Check Premium | |
| Niva Bupa Aspire Policy | Individual & Family Floater | ₹2 Lakh - ₹6 Crore | 18-65 years |
|
Check Premium | |
| Arogya Supreme Policy | Individual & Family Floater | ₹2 Lakh - ₹6 Crore | 18-65 years |
|
Check Premium | |
| TATA AIG Medicare Lite Policy | Individual & Family Floater | ₹2 Lakh - ₹6 Crore | 18-65 years |
|
Check Premium |
Frequently Asked Questions (FAQs)
The SBI Arogya Supreme Health Insurance Policy from SBI General Insurance is a comprehensive plan that covers hospitalization expenses for illness or injury. It includes benefits such as room rent, surgeon fees, anaesthesia charges and more, providing extensive financial coverage.
The Arogya Supreme policy is available for Indian citizens aged 18 to 65 and can be purchased for themselves, their spouse, dependent children (91 days to 25 years) as well as their parents and parents-in-law.
Renewing your SBI Arogya Supreme Health Insurance Policy is a simple process. You can easily do it online through SBI General’s website or mobile app. Alternatively, you can also reach out to their customer support for assistance with the renewal.
