Arogya Supreme
SBI General Insurance Company Limited
Highlighted Features
Room Rent (Normal & ICU)
Covers a single private AC room for normal hospitalization and actual ICU/ICCU expenses as per hospital billing
Advanced Treatments
Includes modern procedures like robotic surgeries, stem cell therapy, and oral chemotherapy, covering stem cell therapy up to 25% sum insured.
Policy Wording
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Our Verdict
SBI Arogya Supreme offers extensive coverage up to ₹1 crore, making it ideal for individuals and families seeking comprehensive protection. However, its multiple sub-limits and optional add-ons may increase costs.
About the Plan
The SBI General Arogya Supreme Plan is a comprehensive health insurance policy designed to cater to diverse healthcare needs. It offers a wide range of sum insured options, from ₹1 lakh to ₹1 crore, accommodating various financial requirements.
The policy encompasses 20 basic covers and 8 optional covers, ensuring extensive protection against medical expenses. Notable features include coverage for pre-hospitalization (30 or 60 days) and post-hospitalization (60, 90, or 180 days) expenses, as well as domiciliary hospitalization. The plan also addresses modern treatments, offering coverage up to 25% of the sum insured. With lifelong renewability and eligibility for individuals aged 18 to 65 years, it provides enduring health security for policyholders.
About the Plan
Features of the Product
Room Rent (Normal & ICU)
The SBI General Arogya Supreme Plan offers three variants—Pro, Plus, and Premium—with specific room rent and ICU limit.
Advanced Treatments
The Arogya supreme plan covers advanced treatments such as robotic surgeries, organ transplants, stem cell therapy, and proton beam therapy.
Co-payment
The SBI General Arogya Supreme Plan offers policyholders the flexibility to include a co-payment option, allowing them to share a portion of the admissible claim amount. Specifically, insured individuals can opt for a co-payment of either 10% or 20%, as specified in the policy schedule.
Waiting Periods
Initial Waiting Period: 30 days from policy inception, excluding accidents.
Specific Illnesses: A 2-year waiting period applies to certain specified diseases.
Pre-existing Diseases: Coverage begins after a 3-year waiting period.
Hypertension, Diabetes, and Cardiac Conditions: A 90-day waiting period applies if these are not pre-existing at policy purchase.
Cashless Healthcare Providers
Access to 16,881 network hospitals.
Day Care Treatments
Medical procedures requiring less than 24-hour hospitalization are covered up to the Sum Insured, as per the indicative daycare list.
AYUSH Treatment
Expenses for alternative treatments, including Ayurveda, Yoga, Unani, Siddha, and Homeopathy, are covered up to the Sum Insured.
Exclusions
Pre-existing diseases are not covered during the initial waiting period as per policy terms.
Any illness diagnosed or treated within the first 30 days of policy issuance is excluded, except for accidental injuries.
Cosmetic or plastic surgery unless required due to accident, burns, or medical necessity is not covered.
Treatment for drug or alcohol abuse, self-inflicted injuries, or attempted suicide is excluded.
Expenses related to infertility treatments, assisted reproductive technology (ART), and in-vitro fertilization (IVF) are not covered.
Dental treatments, unless required due to accidental injury, are excluded.
Congenital diseases or genetic disorders requiring medical intervention are excluded.
Treatment for HIV/AIDS and other sexually transmitted diseases (STDs) is not covered.
Hospitalization primarily for rest, rehabilitation, or physiotherapy without active treatment is not covered.
OPD consultations, routine health check-ups, and diagnostic tests unless covered under a specific add-on are not included.
Exclusions
No-Claim Bonus Booster - Enhance your sum insured with an increased no-claim bonus for every claim-free year, ensuring greater financial protection over time.
Room Rent Waiver - Upgrade your hospital stay by removing sub-limits on room rent, allowing you to choose a higher category room without extra financial burden.
Maternity and Newborn Cover - Covers maternity expenses, delivery costs, and newborn care, ensuring comprehensive protection for expecting mothers and their babies.
OPD Cover - Get coverage for outpatient consultations, diagnostic tests, and prescribed medications, reducing out-of-pocket expenses for routine healthcare needs.
Critical Illness Cover - Receive a lump sum payout upon diagnosis of a critical illness, offering financial support for expensive treatments and lifestyle adjustments.
Personal Accident Cover - Provides financial security in case of accidental death or permanent disability, offering a lump sum payout to the insured or their family.
Daily Hospital Cash - Get a fixed daily cash allowance for every day of hospitalization to cover non-medical expenses and additional costs.
Second Opinion Cover - Access expert medical consultations from leading specialists for critical conditions, ensuring informed decision-making for your healthcare journey.
Home Care Treatment Cover - Covers medical expenses for home-based treatments prescribed by doctors, ensuring convenience and financial relief for home healthcare needs.
Add-ons
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About the Company
SBI General Insurance was established in 2009 as a joint venture between State Bank of India and Insurance Australia Group (IAG). Headquartered in Mumbai, India, the company offers a comprehensive range of insurance products such as motor, health, home, travel, and commercial insurance. Their policies are designed to meet various customer needs, from individual coverage to family and corporate plans. The company also emphasizes customer-centric services and easy claim processes.
About the Company
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