SBI Arogya Supreme Policy

SBI Arogya Supreme health plan is a diverse health 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 Health Insurance Detailed Review

SBI Arogya Supreme Policy Specifications

To understand SBI Arogya Supreme Policy Insurance in detail, take a look at the below table:

Entry Age

18 to 65 years

Policy Type

Individual and Family Health Insurance

Sum Insured

3 L | 5 L | 7.5 L | 10 L | 15 L | 30 L | 40 L | 50 L | 1 Cr

Initial Waiting Period*

30 Days

Renewability

Lifelong

Policy Term

1/2/3 Years

*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.

Choose Your SBI Arogya Supreme Policy

With wide coverage options available, SBI Arogya Supreme Policy Insurance Plan allows you to choose your ideal coverage as per your family’s health requirements. Take a look at the coverage under every SI option available and choose your ideal coverage:

In-patient & Out-patient coverage

Room Rent

Covered

ICU Charges

Covered

Pre-Hospitalization

Covered

Post-Hospitalization

Covered

Domiciliary Hospitalization

Covered

Daycare Treatment

Covered

OPD Charges

Covered

Coverage Terms

COVID-19 Treatment

Covered

Cataract

Covered

No Claim Bonus

Covered

Automatic Restoration

Not Covered

Daily Hospital Cash

Covered

Organ Donor

Covered

Maternity Cover

Not Covered

New Born Baby Cover

Not Covered

Alternative Treatments

AYUSH Treatment

Covered

IVF Treatment

Not Covered

Modern Treatment

Covered

Emergency Coverage

Ambulance

Covered

Air Ambulance

Not Covered

Compassionate Travel

Not Covered

Global Coverage

Not Covered

Wellness Programmes

E-Consultation

Covered

Health Check-Up

Covered

Second Medical Opinion

Not Covered

Vaccination

Not Covered

Limitations

Co-payment

Covered

Sub-limits

Not Covered

SBI Arogya Supreme Plan Benefits

SBI Arogya Supreme Health Plan has multiple advantages that policyholders can avail after the purchase.

Tax Benefits
The amount paid towards the premium of this plan is eligible for tax relief under Section 80D of the Income Tax Act, 1961.
HIV/AIDS Cover
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 illnesses, including AIDS.
Genetic Disorder Coverage
If you are hospitalized due to any genetic disorder or illness, SBI Arogya Supreme will pay medical expenses up to INR 1 Lakh.
Optional Covers
SBI Arogya Supreme offers multiple optional coverages like Hospital Cash Benefits, Major Illness Benefits, Additional Sum Insured for Accidental Hospitalization, Enhanced Cumulative Bonuses and more.

SBI Health Insurance Network Hospital List

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.

Delhi

Mumbai

Bengaluru

Chennai

Kolkata

Hyderabad

Pune

Ahmedabad

Jaipur

Lucknow

Know More About Network Hospital

Sample Premium Illustration of SBI Arogya Supreme Health Plan

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.

Individual Plan

Sum Insured (in Rs.)	Pro		Plus		Premium
Sum Insured (in Rs.)	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

Floater Plan - 2 Adults

Sum Insured (in Rs.)	Pro		Plus		Premium
Sum Insured (in Rs.)	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

Floater Plan - 2 Adults + 2 Kids

Sum Insured (in Rs.)	Pro		Plus		Premium
Sum Insured (in Rs.)	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 Arogya Supreme Health Plan Exclusions

Hospitalization out of war, riot, strike, and nuclear weapons

Intentional self-injury

AIDS

Miscarriage, and abortion

Congenital disease

Infertility and in vitro fertilization

Coverage after Waiting Period

Certain diseases and treatments are covered under this plan after a certain period. Read the details below:

Pre-existing diseases after 4 Years

Listed ailments after 2 Years

Explore other SBI Health Insurance

To cater to the different medical needs of an individual & their family, SBI Health Insurance offers several Health Plans ranging from senior citizen plans to specialized plans for autistic children, to health insurance for cardiac patients, and many more.Take a look below to SBI Health Insurance plans explore more:

Individual

SBI Divyanga Suraksha Policy

Would you believe if we say that the SBI Divyanga Suraksha health insurance plan provides healthcare for people with disability or any pre-existing HI...

Unique Features

Covers in-patient treatment
HIV/AIDS cover
Power against disability

SBI Divyanga Suraksha Policy (Pros)

Pre and post-hospitalization
Medical treatment
Daycare procedures
Cataract cover

SBI Divyanga Suraksha Policy (Cons)

Domiciliary hospitalization
Vaccination
Health check-ups
Global coverage

SBI Divyanga Suraksha Policy (Other Benefits)

Modern treatment cover
In-patient treatment
AYUSH care
PEDs cover

SBI Divyanga Suraksha Policy (Eligibility Criteria)

Entry age: 18 o 65 years
SI: 4 & 5 Lakhs
Initial Waiting Period: 30 days

Individual and Family Health Insurance

Arogya Premier Policy

SBI Arogya Premier Policy is a comprehensive health insurance plan that is designed to protect you and your family from uncertain medical expenses. Th...

Unique Features

Plan Specifications
Eligibility
Inclusions and Exclusions

Arogya Premier Policy (Pros)

In-patient hospitalization expenses
Pre and post-hospitalization
AYUSH treatments
Maternity expenses

Arogya Premier Policy (Cons)

Daily hospital cash cover
Newborn baby cover
Global coverage
Compassionate visit unavailable

Arogya Premier Policy (Other Benefits)

Mental illness cover
HIV/AIDS cover
Internal congenital diseases
Genetic disorders

Arogya Premier Policy (Eligibility Criteria)

Entry Age: 3 Months to 65 Year
Sum Insured: 10 to 30 Lakhs
Initial Waiting Period: 30 days

Individual and Family Health Insurance

Arogya Plus Policy

SBI Arogya Plus policy is a fixed premium plan that offers financial protection to you and your family during a medical emergency. The plan provides c...

Unique Features

What is Arogya Plus?
Know the Eligibility Criteria
Premiums Sample Illustration

Arogya Plus Policy (Pros)

OPD cover
In-patient hospitalization
Pre & post hospitalization

Arogya Plus Policy (Cons)

Newborn baby cover
Vaccination
Compassionate travel
Organ donor cover unavailable

Arogya Plus Policy (Other Benefits)

AYUSH treatment
Domiciliary hospitalization
HIV/AIDS cover
Mental illness cover

Arogya Plus Policy (Eligibility Criteria)

Entry Age: 3 Months to 65 Years
Sum Insured: 1/2/3 L
Policy term: 1/2/3 years
Initial waiting period: 30 days

Individual and Family Health Insurance

SBI Arogya Top-Up Policy

SBI Arogya Top-up Policy is a health insurance top-up policy that is designed to provide additional coverage to policyholders when their standard heal...

Unique Features

Enhanced coverage
Eligibility criteria
Key features

SBI Arogya Top-Up Policy (Pros)

In-patient hospitalisation
Pre & post hospitalisation
Ambulance cover

SBI Arogya Top-Up Policy (Cons)

Global coverage
Air ambulance
Compassionate visit
OPD cover unavailable

SBI Arogya Top-Up Policy (Other Benefits)

Organ donor expenses
Domiciliary treatment
Modern treatment

SBI Arogya Top-Up Policy (Eligibility Criteria)

Entry age: 3 months to 65 years
SI: 1 to 50 Lakhs
Policy term: 1/2/3 years
Initial waiting period: 30 days

Individual and Family Health Insurance

SBI Arogya Sanjeevani Policy

SBI Arogya Sanjeevani Policy is a standard health insurance policy that comes with an affordable premium and offers a bucket full of benefits to its p...

Unique Features

Affordable Health Plan
Eligibility Criteria
Inclusions and Exclusions

SBI Arogya Sanjeevani Policy (Pros)

In-patient hospitalization
Pre and post-hospitalization care
ICU expenses
Daycare treatment
Up to 12 advanced treatments

SBI Arogya Sanjeevani Policy (Cons)

Modern treatment unavailable
OPD not covered
Domiciliary hospitalization unavailable

SBI Arogya Sanjeevani Policy (Other Benefits)

Deep Brain Stimulation
Balloon Sinuplasty
Oral Chemotherapy
Intra Vitreal Injections

SBI Arogya Sanjeevani Policy (Eligibility Criteria)

Entry Age: 18 to 65 Years
SI: 50K to 1 Lakhs
Initial waiting period: 30 days

Critical Illness Health Insurance

SBI Critical Illness Policy

SBI Critical Illness Insurance Policy offers you financial protection from 13 important critical illnesses, this policy offers a fixed sum, irrespect...

Unique Features

Coverage for Cancer
Eligibility Criteria
Inclusions and Exclusions

SBI Critical Illness Policy (Pros)

13 critical illnesses
COVID- 19 covered
Air ambulance services

SBI Critical Illness Policy (Cons)

Maternity cover
OPD and daycare unavailable
Global cover unavailable

SBI Critical Illness Policy (Other Benefits)

Emergency medical cover
No Maximum age limit
SI up to 10 L

SBI Critical Illness Policy (Eligibility Criteria)

Entry age: 5 years to No limit
SI: 3 to 10 Lakhs
Initial waiting period: 90 days

Individual

SBI Loan Insurance Policy

SBI Loan Insurance policy offers comprehensive coverage to the policyholder and helps them to repay their loan in case of medical emergencies arising ...

Unique Features

Loan repayment benefits
Plan details
Inclusions and exclusions

SBI Loan Insurance Policy (Pros)

Pays out max 3 EMIs
Pays outstanding loan
PTD benefits

SBI Loan Insurance Policy (Cons)

Drug abuse or alcoholism
HIV/AIDS
Self-inflicted injury

SBI Loan Insurance Policy (Other Benefits)

Accidental cover
Critical illnesses cover
Loss of job cover

SBI Loan Insurance Policy (Eligibility Criteria)

Entry Age: 18 to 65 years
SI: 1 Crore
Initial waiting period: 90 days

Individual and Family Health Insurance

SBI Arogya Supreme Policy

SBI Arogya Supreme health plan is a diverse health insurance plan that provides a solution for all your healthcare needs. It covers 20 basic covers an...

Unique Features

Complete protection
Choose SI
Choose policy tenure

SBI Arogya Supreme Policy (Pros)

Domestic Air Ambulance Cover
Compassionate Benefit
Recovery Benefit

SBI Arogya Supreme Policy (Cons)

Automatic restoration
Maternity cover unavailable
Newborn baby cover
2nd medical opinion not covered

SBI Arogya Supreme Policy (Other Benefits)

E-Opinion Cover
Preventive Health Check-up
Renewal Benefit

SBI Arogya Supreme Policy (Eligibility Criteria)

Entry age: 18 to 65 years
Sum Insured 3 L | 5 L | 7.5 L | 10 L | 15 L | 30 L | 40 L | 50 L | 1 Cr
Policy Term 1/2/3 Years
Initial Waiting Period 30 Days

Group Health Insurance

SBI Group Health Insurance

SBI Group Health Insurance is a comprehensive plan, as it provides wider coverage to its customers as well as their family members. Group health insur...

Unique Features

High Sum Insured
Easy Policy Renewal
10% copayment

SBI Group Health Insurance (Pros)

In-patient hospitalization
Daycare treatments
Co-payment clause

SBI Group Health Insurance (Cons)

Room rent unavailable
OPD not covered
Organ donor expenses
Modern treatment unavailable

SBI Group Health Insurance (Other Benefits)

Ambulance expenses
Pre & post-hospitalisation
Policy renewal benefits

SBI Group Health Insurance (Eligibility Criteria)

Entry age: 18 to 65 years
Sum insured: 1 to 5 Lakhs
Initial waiting period: 30 days

Individual and Family Health Insurance

SBI Health Edge Policy

SBI Health Edge is a newly introduced health insurance plan from SBI Health Insurance which is customizable and is available to insurance holders base...

Unique Features

Avail Global Treatment
Multiple Discounts
18 Optional Covers

SBI Health Edge Policy (Pros)

In-patient hospitalization
Pre and Post-hospitalization
Daycare treatments
Emergency ambulance cover

SBI Health Edge Policy (Cons)

Organ donor
Compassionate visit
Domiciliary hospitalization

SBI Health Edge Policy (Other Benefits)

Bariatric Surgery Cover
Modern Treatments
AYUSH Treatments
Health Check-ups

SBI Health Edge Policy (Eligibility Criteria)

Entry Age: 18 to 65 Years
SI: 3 to 25 Lakhs
Initial waiting period: 30 days

Individual and Family Health Insurance

Super Health Policy

SBI Super Health Plan is SBI Health Insurance's new comprehensive health insurance plan. The plan is an umbrella health plan that provides all-inclusi...

Unique Features

Unlimited Re-insure Benefit
Wellness Benefits
Annual Health Check-ups

Super Health Policy (Pros)

Tax benefit
Reinsure benefit
Health multiplier
Optional covers

Super Health Policy (Cons)

Cosmetic treatment
Injury due to illegal activities
Unlawful activities
Adventure sports injuries

Super Health Policy (Other Benefits)

OPD expenses
International treatment
SI up to 2 Crores
Flexible premium payments

Super Health Policy (Eligibility Criteria)

Min entry age: 18 Years
Max entry age: 65 Years
Initial Waiting Period: 30 Days
Sum Insured: Up to 2 Cr

SBI Arogya Supreme Policy: FAQs

1. What are the variants available under the SBI Arogya Supreme Health Plan?

SBI Arogya Supreme offers 3 variants, Pro (Silver) Plus (Gold) Premium (Platinum)

2. How many types of coverage does SBI Arogya Supreme offer?

SBI Arogya Supreme offers 3 types of policy coverage: Individual Basis Individual Family Basis Family Floater Basis

3. How many adults can be covered under the family floater plan?

In SBI Arogya Supreme maximum 4 adults can be covered under Family Floater plan.

4. Can SBI Arogya Supreme cover a minor alone?

For a minor to be covered under SBI Arogya Supreme, one of the parents needs to be concurrently covered with us.

5. What is the eligibility age for a child to be covered under SBI Arogya Supreme to be covered as a dependent?

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.

6. What is the SBI Arogya Supreme policy tenure?

The policy is available for 1 year, 2 years, and 3 years.

7. Is Air Ambulance Service included in this cover?

Air Ambulance is included; however, payment will be done on a reimbursement basis. It is within the sum insured.

8. Is a cumulative bonus applicable in this policy?

Yes, the Cumulative Bonus is applicable for all 3 variants, the limit being 15% maximum up to 100.

9. Are health check-ups available under SBI Arogya Supreme?

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.

10. What is the waiting period applicable in SBI Arogya Supreme?

First 30 days waiting period (except accident) (The above waiting period shall not be applicable for claims arising due to COVID-19, Major Illness-Benefit, Hypertension, Diabetes and Cardiac Condition.) Specified diseases and procedures waiting period – 24 Months (If any of the specified disease / procedures falls under the waiting period specified for Pre-Existing Diseases, then the longer of the two waiting periods shall apply.) Pre-existing Diseases – 48 Months Hypertension, Diabetes, Cardiac Condition – 90 Days (A waiting period of 90 days shall apply for all claims of hypertension, diabetes, cardiac condition except if these diseases are pre-existing and disclosed at the time of Policy) Major Illness Benefit – 90 Days COVID-19 – 15 Days

SBI Arogya Supreme Policy

SBI Health Insurance Detailed Review

SBI Arogya Supreme Policy Specifications

Entry Age

Policy Type

Sum Insured

Initial Waiting Period*

Renewability

Policy Term

Choose Your SBI Arogya Supreme Policy

In-patient & Out-patient coverage

Coverage Terms

Alternative Treatments

Emergency Coverage

Wellness Programmes

Limitations

SBI Arogya Supreme Plan Benefits

Tax Benefits

HIV/AIDS Cover

Genetic Disorder Coverage

Optional Covers

Recommended Videos

SBI Health Insurance Network Hospital List

Delhi

Mumbai

Bengaluru

Chennai

Kolkata

Hyderabad

Pune

Ahmedabad

Jaipur

Lucknow

Sample Premium Illustration of SBI Arogya Supreme Health Plan

Individual Plan

Floater Plan - 2 Adults

Floater Plan - 2 Adults + 2 Kids

SBI Arogya Supreme Health Plan Exclusions

Coverage after Waiting Period

Explore other SBI Health Insurance

SBI Divyanga Suraksha Policy (Pros)

SBI Divyanga Suraksha Policy (Cons)

SBI Divyanga Suraksha Policy (Other Benefits)

SBI Divyanga Suraksha Policy (Eligibility Criteria)

Arogya Premier Policy (Pros)

Arogya Premier Policy (Cons)

Arogya Premier Policy (Other Benefits)

Arogya Premier Policy (Eligibility Criteria)

Arogya Plus Policy (Pros)

Arogya Plus Policy (Cons)

Arogya Plus Policy (Other Benefits)

Arogya Plus Policy (Eligibility Criteria)

SBI Arogya Top-Up Policy (Pros)

SBI Arogya Top-Up Policy (Cons)

SBI Arogya Top-Up Policy (Other Benefits)

SBI Arogya Top-Up Policy (Eligibility Criteria)

SBI Arogya Sanjeevani Policy (Pros)

SBI Arogya Sanjeevani Policy (Cons)

SBI Arogya Sanjeevani Policy (Other Benefits)

SBI Arogya Sanjeevani Policy (Eligibility Criteria)

SBI Critical Illness Policy (Pros)

SBI Critical Illness Policy (Cons)

SBI Critical Illness Policy (Other Benefits)

SBI Critical Illness Policy (Eligibility Criteria)

SBI Loan Insurance Policy (Pros)

SBI Loan Insurance Policy (Cons)

SBI Loan Insurance Policy (Other Benefits)

SBI Loan Insurance Policy (Eligibility Criteria)

SBI Arogya Supreme Policy (Pros)

SBI Arogya Supreme Policy (Cons)

SBI Arogya Supreme Policy (Other Benefits)

SBI Arogya Supreme Policy (Eligibility Criteria)

SBI Group Health Insurance (Pros)

SBI Group Health Insurance (Cons)

SBI Group Health Insurance (Other Benefits)

SBI Group Health Insurance (Eligibility Criteria)

SBI Health Edge Policy (Pros)

SBI Health Edge Policy (Cons)

SBI Health Edge Policy (Other Benefits)

SBI Health Edge Policy (Eligibility Criteria)