Arogya Supreme SBI General Insurance Co. Ltd.

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The SBI Arogya Supreme is a health insurance policy to protect your family under a comprehensive health plan. This plan works as a complete solution for all your healthcare needs. The plan is available with 20 basic and 8 optional covers to allow you comprehensive coverage.

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

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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

The plan excludes coverage of investigation and evaluation expenses

Expenses of treatments undertaken for obesity or weight control are also not covered under the plan

Treatments that are undertaken for change of gender are excluded under the Arogya Supreme plan

The plan doesn’t include cosmetic and plastic surgery expenses

Treatment undertaken for alcoholism and drug abuse or the abuse of any other addictive substances as well the consequences of the same are also not covered under the plan

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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

Sahi Advice,
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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.

Disclaimer

* On each Renewal of the Policy with the insurer, a 15% of Basic Sum Insured under expiring Policy will be paid as Cumulative Bonus, which can be can be accumulated up to 100% of Basic Sum Insured

# Coverage under the Policy after expiry of 48 months for any Pre-Existing Disease is subject to the same being declared at the time of application and accepted by the Insurer

(For Detailed Information Refer to the Policy Wording)