Overview
SBI General Insurance was founded in 2009. It started operations in 2010, as a joint venture between State Bank of India (SBI) and Insurance Australia Group (IAG). In September 2018, the company sold a 4 per cent stake to Axis Asset Management Company and Premji Invest for ₹4.82 billion (US$60 million) crore. <p>The company offers a range of general insurance products including insurance for automobile, home, personal accident, travel, energy, marine, property and casualty as well as specialized financial lines.</p>
Highlights For
Arogya Supreme
Sum Insured Refill
No Claim Bonus
Recovery Benefit
HIV/AIDS cover
Convalescence Benefit
Features
Sub-limits
Ambulance
Transportation of the patient to the hospital and back home
Pre-Hospitalisation : 60 days
The amount of expenses incurred during this period prior to hospitalisation such as diagnostic tests, doctor fees, medicines, etc. for investigiation purpose are also payable by the insurer
Post Hospitalisation : 180 days
The amount of expenses incurred during this period after discharge from hospitalisation for the purpose of recovery such as follow-up tests, doctor fees, medicines, etc. are also payable by the insurer
Pre existing Disease cover : 48 Months
Coverage for all Pre-Existing Diseases covered after a certain specified waiting period with continuous renewal.
Waiting Period- Initial : 30 days
No claims are accepted within this period except due to accidents/ injury.
Waiting Period- Specific : 2 years
Listed specific illness
Waiting Period- PED : 48 Months
No pre-existing ailment related claims are accepted within this period.
Room Rent : Yes,upto sum insured
Room rent for in-patient hospitalisation
ICU Charges : Yes,upto sum insured
Charges for ICU hospitalisation
Co pay : No
% of the claim that the policyholder needs to pay out-of-pocket
Restore Benefit/ Recharge/ Refill : We will refill 100% Basic Sum Insured on complete or partial utilization of your existing Policy Sum Insured
If the sum insured is exhausted due to hospitalisation expenses of one or more members, there is an automatic restoration of the sum insured for related or unrelated ailments.
Health Check up : You will be eligible for a preventive health check-up every year st from 1 renewal year.
Free annual health check-up for all insured members according to the list of tests specfied in the policy document.
No Claim Bonus : 15% up to a maximum of 100%
% of the sum insured that rises every claim free year.
Video/telephone consultation : Yes
E-consultation with expert doctors empanelled with the insurer for a second opinion.
Domiciliary hospitalization : Yes,upto sum insured
Home care treatment where there are no beds in the hospital or paitient is not in a condition to be moved to the hospital, This treatment is provided under the supervision of a registered medical practitioner.
Ambulance : up to `10 Lakhs
Transportation of the patient to the hospital and back home
Convalescence benefit : `500 ; `1000 ; `2500 ; `5000 for 5/10/15/45 days
A specific fixed amount of money paid as a recovery benefit for extended hospitalisation.
Organ Donor : Yes
The costs for a surgical procedure of removal or damaged organ from the patient's body which could otherwise be fatal.
Bariatric cover : Yes,upto sum insured
Expenses related to obesity-related conditions such as high BP, sleep apnea, arthiritis asthma, etc.
Daycare : Yes,upto sum insured
Covers in-patient hospitalisation expenses where the stay is <24 hours under a specified list of treatments
AYUSH : Yes,upto sum insured
Alternative treatment coverage such as ayurvedic, unani, sidha and homeopathy which leads to hospitalisation.
Congenital Coverage : Yes,25% of sum insured
Covers medical expenses related to diagnosis and treatment of heriditary and internal congenital ailments/ conditions/ traits that exist from birth.
Modern Treatments : No
All advanced treatment with upgrade in technology.
Health Management/ Wellness : No
Benefits provided for staying fit and managing health
Maternity Benefit : No
All expenses related to childbirth or legal medical termination of pregnancy, usually upto a specified limit.