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Arogya Supreme Policy

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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 - This plan offers a maximum sum of up to 5,00,000 rupees, providing comprehensive coverage for various potential risks and expenses. 
  • 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 Period30 days
Post-Hospitalization CoverageUp to 60 days
Pre-Hospitalization CoverageUp to 30 days
Domiciliary HospitalizationCovered up to the sum insured
COVID-19 TreatmentCovered
Ambulance ChargesCovered up to ₹3,000
E-ConsultationCovered
No Claim BonusAvailable up to 100% of the sum insured
Compassionate TravelCovered
ExclusionsMaternity cover, Newborn baby cover, certain specified illnesses, and vaccination expenses.
Claim Settlement Ratio73.92%
Network HospitalsOver 6000
Solvency Ratio1.8
Contact InformationSBI General Insurance Company Limited, Toll-Free: 1800 102 1111

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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.

FeatureDetails

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 Cash500 to 5,000 for 5/10/15/45 days
Organ Donor ExpensesCovered up to Sum Insured
AYUSH TreatmentCovered up to Sum Insured
Modern TreatmentsVarious advanced procedures covered up to 25% of the Sum Insured
Ambulance Cover3,000 to 7,000 rupees per hospitalization
Mental HealthcareUp to Sum Insured (Sub limit - 10% of the Sum Insured, max 50,000 rupees)
Genetic DisordersClaim amount subject to a max of 100,000 rupees
Bariatric SurgeryUp to the Sum Insured
Recovery Benefit5,000 rupees to 15,000 rupees per hospitalization
Sum Insured RefillCovered
E-Opinion4 to Unlimited E-Opinions

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

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Arogya Supreme Policy Claim Process

Feature

Details

Cashless Hospitalization and Reimbursement Claim Process

Inform SBI Insurance officials of any claims through the communication channels specified in your policy, Health Card, the official website or the TPA’s website. It is important to use the designated method to notify the insurer about any claims.

Timeline for Claim Notification

Emergency hospitalization must take place within 24 hours of admission, while planned hospitalization needs to be scheduled at least 72 hours in advance. For general cases, it is required to notify within 48 hours of admission or before discharge, whichever occurs first. 

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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
  • Extensive network hospitals
  • Customizable coverage options
  • Wellness programs
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ICICI Elevate Health Insurance Policy Individual & Family Floater ₹2 Lakh - ₹6 Crore 18-65 years
  • Extensive network hospitals
  • Customizable coverage options
  • Wellness programs
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IFFCO Tokio Family Health Protector Policy Individual & Family Floater ₹2 Lakh - ₹6 Crore 18-65 years
  • Extensive network hospitals
  • Customizable coverage options
  • Wellness programs
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Niva Bupa Aspire Policy Individual & Family Floater ₹2 Lakh - ₹6 Crore 18-65 years
  • Extensive network hospitals
  • Customizable coverage options
  • Wellness programs
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Arogya Supreme Policy Individual & Family Floater ₹2 Lakh - ₹6 Crore 18-65 years
  • Extensive network hospitals
  • Customizable coverage options
  • Wellness programs
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TATA AIG Medicare Lite Policy Individual & Family Floater ₹2 Lakh - ₹6 Crore 18-65 years
  • Extensive network hospitals
  • Customizable coverage options
  • Wellness programs
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Frequently Asked Questions (FAQs)

A.

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.

A.

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.

A.

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.

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