Arogya Supreme SBI General Insurance Co. Ltd.

4.5

Paybima Rating

Policy Brochure

Policy Wording

Claim Form

The primary purpose of purchasing health insurance is to establish a safety net that addresses various medical needs for yourself and your loved ones. This is where SBI Aarogya Supreme comes into play, offering a comprehensive policy designed to meet all types of healthcare needs. This policy has gained widespread popularity for offering 20 basic covers and eight optional covers that cater to the needs of individuals in various age groups.

When it comes to purchasing a health insurance plan, trusting SBI General Insurance Company is always a good choice. If you are interested in the SBI Aarogya Supreme plan, then we have prepared a little guide to help you learn all the necessary details about the policy.

Highlights of Arogya Supreme - SBI General Insurance Co. Ltd.

Network Hospitals Available - 16625+

Waiting Period for Pre-existing Diseases (PED) – 48 months

Claims Settlement Ratio – 96.47%

Policies Issued – 20.46 Crore+ customers served

Sum insured starting from ₹1 lakh up to ₹1 crore.

20 major coverages and 8 optional coverages.

Seamless sum insured refills.

Multiple discounts are available.

Get all your insurance related queries answered

SBI Arogya Supreme: Highlights

To purchase a health insurance plan that serves your needs the best it is important first to understand the key highlights. Take a look at the highlights of the SBI Arogya Supreme plan:

Particulars	Details
Policy Name	SBI Arogya Supreme
Insurance Company	SBI General Insurance Company Limited
Sum Insured	Starting from ₹1 lakh to ₹3 crore
Waiting Period	Waiting Period Details: Pre-Existing Diseases: 36 Months Initial Waiting Period: 30 Days (Excluding Accidents)Specific Illnesses: 24 or 36 Months
Health Check-Ups	Not Required if: The individual is 45 years of age or below andNo medical history Required if: The individual is above 45 years of age The sum insured is of ₹50 lakhs and above.
Network Hospitals	16,625+
Policy Renewability	Lifelong Renewability Option

Features and Benefits of SBI Arogya Supreme

SBI Arogya Supreme is a robust and reliable health insurance plan that is designed to cater to individual needs. Whether it is in terms of its wide coverage or affordable premiums, the plan is designed with the needs of individuals in India in mind.

Let’s take a look at the features and benefits of SBI Arogya Supreme:

1

Comprehensive Coverage

Purchasing the SBI Arogya Supreme plan comes with a comprehensive list of coverages that caters to the varying medical needs of every insured member under the plan. From hospitalisation covers to coverages for advanced and modern procedures, road Ambulances, domestic emergency assistance services, E-opinions, etc., the plan has it all.
Did you know that you can access inpatient services based on Ayurveda, yoga, naturopathy, Unani, Siddha, and homoeopathy in Ayush Hospitals? You can claim coverage for such treatments under the policy.

2

Exciting Renewal Benefits

Typically, individuals prefer renewing their health insurance plans rather than shifting to a completely new plan. At the time of renewing your SBI Arogya Supreme plan, you can claim exciting renewal benefits like:

Preventive Health Check-Up
You can get a preventive health checkup every year from the first renewal year.
Cumulative Bonus
If you have not made any claim in one policy year, you can get a minimum of 15% or a maximum of 100% of the basic sum insured from the insurance company.

3

Easy Claim Settlement

As a policyholder, the last thing you want is to run from one window to another to claim what is rightfully yours. This is where a plan like SBI Arogya Supreme comes into play, offering an easy and smooth settlement. You can get

Cashless claim settlement
Reimbursement claim settlement

Did You Know that SBI General Insurance Company has an impressive claims settlement ratio of 98%?

4

One-Click Application and Approval

Purchasing a health insurance plan today doesn't have to be a hassle. You can easily purchase the SBI Arogya Supreme plan through online portals within minutes by simply filling in a few details. Additionally, with minimal documentation requirements and no prior health check-ups for individuals up to the age of 45 years with no medical history, the job comes even easier.

Wish to Enhance Your Coverage? Take a Look at the Riders Available

When it comes to purchasing a health insurance plan, one thing to remember is that one size doesn’t fit all. But with plans like SBI Arogya Supreme, you can easily enhance and customise the coverage by opting for riders.

You can refer to the table below to explore the riders available under the policy.

Add-Ons	Details
Hospital Cash Benefit	Under this, individuals can receive additional cash benefits beyond the initial sum insured to cover hospital expenses.
Additional Sum Insured for Accidental Hospitalisation	Under this, individuals can get an additional sum insured for hospitalisation due to any serious accident. This is in addition to the initial sum insured.
Co-Payment	Under this, individuals can opt for a copayment: Partial payment is done by the policyholder, and the remaining is paid by the insurance company.
Any Room Upgrade	Under this, individuals can get additional coverage for upgrading to any room category.,

SBI Arogya Supreme: What is Covered?

The primary purpose of purchasing a health insurance plan is to provide coverage for the various medical needs of every insured member, making it essential for you to understand the coverage thoroughly. Let’s take a look at the coverage offered under the SBI Arogya Supreme:

1

Pre and Post-Hospitalisation Cover

Under the policy, the insured can get coverage for expenses incurred on pre- and post-hospitalisation. Depending on the type of plan, coverage is provided

For pre-hospitalisation expenses, coverage is available for up to 30 or 60 days.
Post-hospitalisation expenses for up to 60, 90 or 180 days after the hospital discharge are covered.

2

Day Care Treatment

Expenses incurred on daycare treatment are covered. Daycare treatment is a treatment that requires hospitalisation for less than 24 hours. Please note that this does not include outpatient department (OPD) treatment costs.

3

Domiciliary Hospitalisation

If the insured individual opts for medical treatment at home, the plan also promises coverage for these expenses.
Note: Such domiciliary hospitalisation must be advised by a medical practitioner and it comes with certain conditions.

4

Organ Donor Expenses

Expenses incurred due to the hospitalisation of the organ donor for organ harvesting are covered.

5

Alternate Treatment

Expenses incurred for alternative treatment or treatment at Aayush Hospital are also covered.

6

Advanced and Modern Procedures

The policy covers necessary medical expenses, including inpatient hospitalisation or daycare treatment, incurred for advanced procedures. Some of the advanced procedures covered under the plan include

Balloon Sinuplasty
Deep Brain Stimulation
Oral Chemotherapy
Immunotherapy- Monoclonal Antibody to be given as injections.
Intra Vitreous Injections
Robotic Surgeries
Stereotactic Radio Surgeries
Bronchial Thermoplasty
Stem Cell Therapy

SBI Arogya Supreme: What is Not Covered?

In addition to understanding the base coverage under the plan, it is also important to be aware of the exclusions. Here’s what the SBI Arogya Supreme plan does not cover:

1

Investigation and Evaluation

Expenses incurred on admission, primarily for investigation and evaluation, are not covered.

2

Cosmetic or Plastic Surgery

Expenses incurred on any form of cosmetic or plastic surgery are not covered. However, if such surgeries are required to treat a major accident, the policy offers coverage.

3

Breach of Law

Expenses incurred on treating injury or illness that occurred due to an activity that constitutes a breach of law are not covered.

4

Change of Gender Treatments

Expenses incurred by the insured for changing the gender are not covered.

5

Hazardous or Adventure Sports

Expenses incurred by the insured for treatment of any injury or illness that occurred due to participating in or performing any hazardous or adventure sports are not covered.

6

Other Treatments

Certain other treatments, like surgical treatment for obesity, sterility and infertility, unproven treatments, and treatment for alcoholism or drug abuse, are not covered.

Pros & Cons of Arogya Supreme - SBI General Insurance Co. Ltd.

Among the best features of the plan include the sum insured refill facility

The plan also features domestic emergency assistance service including air ambulance services

The expenses of hospitalization for mental healthcare treatment are also covered under the plan for any mental illness during the active policy period

The plan allows coverage on HIV/AIDS. So, people diagnosed with HIV during an active policy period can get coverage on hospitalization etc.

Alternative treatment or AYUSH is also covered under the plan

Our verdict

SBI Arogya Supreme is a comprehensive health insurance policy carefully drafted to address medical inflation and the medical needs of individuals in India. With its wide coverage and additional benefits, the plan caters to the needs of every individual.

Before purchasing a health insurance plan, carefully evaluate the coverage and exclusions. Head straight to the official Paybima portal to find all the details and purchase the plan seamlessly.

Speak to an Advisor

SBI General Insurance Co. Ltd.
Insurance Company

SBI Health insurance is a part of the SBI General Insurance Company and is known for its most promising healthcare insurance product range. The health insurance plans offered by SBI are so designed to cover individuals and families alike against numerous expenses caused due to diseases and any other health emergencies. Further, the SBI health plans are easily affordable and so anyone can buy and access them. SBI being a trustworthy name in India is well accepted by people for their innovative insurance solutions.

Founded in

2009

Claim Incurred ratio

73.92%

Turnover (GWP)

INR 12,731 crores.

JV Partners

State Bank of India (SBI) & Insurance Australia Group (IAG).

Claims Experience

Claims Experience Rating 4.7

Claim Settlement Ratio (No. of claims

96.47% (Q1 of FY 2022-23)

No. of Cashless Hospitals

16625+

Benefits of Arogya Supreme - SBI General Insurance Co. Ltd.

In-patient Hospitalization
ICU Rent Limit	Covered
Room Rent Limit	Covered
Pre & Post Hospitalization
Post-hospitalization expenses are covered	up to the Sum Insured
Post-hospitalization expenses are covered for up to	60/90/180 days after the date of discharge from the hospital
Pre-hospitalization expenses covered	up to the Sum Insured
Pre-hospitalization expenses are covered up to	30/60 days before hospitalization
Day Care Treatment
Financial Limit	Up to SI or sum insured
No. of treatments covered	537+ Daycare treatments covered

Top Health Insurance Plans by SBI General Insurance Co. Ltd. Insurance Company

Arogya Plus

Hand-hold by our expert advisor till making the right choice

Meet In Person Talk to an Advisor

70% of customers choose our advisor support for better coverage clarity.

Paybima Trusted by Millions of Customers

4.5

40+ Insurers

Wide range of trusted providers

560+ Advisors

Expert guidance at every step

31 Stores

Personalized service across India

Ask Anything as We Have Answers to Everything in Insurance

The Initial waiting period under the plan is 30 days, while the pre-existing diseases waiting period is 4 years.

Yes. You can cancel the Arogya Supreme policy of SBI within the free-look period of 15 days after buying the policy without paying any charges of cancellation. But, if you cancel the policy after the free-look period, you will have to pay cancellation charges.

Yes. Arogya Supreme Policy can be renewed provided you pay the premium regularly before the expiry of the policy.

The sum insured options offered include INR 1 Lakh, INR 2 Lakh, and INR 3 Lakh.

There is no exit age under the policy. It allows lifelong renewability.

Under the plan, there are three variants: Pro, Plus and Premium. All three plans offer different sum insured options, benefits, and coverages.

The policy is available for one year, two years and three years.

Under a family floater plan, a maximum of four adults can be covered.