Arogya Supreme Premium Plan
SBI General Insurance Company Limited
8.4/10
OneAssure Rating
8.4/10
OneAssure Rating
Highlighted Features
Room Rent Coverage
Provides a Single Private AC Room for normal hospitalization and covers actual ICU/ICCU expenses as billed by the hospital.
Advanced Medical Procedures
Covers robotic surgeries, oral chemotherapy, and stem cell therapy up to 25% of the sum insured.
Brochure
Policy Wording
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Our Verdict
SBI Arogya Supreme Premium offers extensive coverage with high sum insured and valuable add-ons like air ambulance and home care. Best for individuals seeking comprehensive protection but with disease-specific sub-limits.
About the Plan
The Arogya Supreme Premium plan by SBI General Insurance offers extensive health coverage with a sum insured exceeding ₹25 lakh. It includes 20 basic covers and 8 optional benefits, such as hospitalization expenses, modern treatments, and AYUSH therapies. Notably, it provides a 180-day post-hospitalization cover and a cumulative bonus of 15% per claim-free year, up to 100%. However, disease-specific sub-limits may apply to treatments like cataract surgery.
About the Plan
Product Stats
Rating
Features of the Product
Room Rent (Normal & ICU)
Normal: Coverage is provided for a Single Private AC Room.
ICU: Actual ICU/ICCU expenses are covered as billed by the hospital.
Advanced Treatments
Uterine Artery Embolization and HIFU (High intensity focused ultrasound)
Balloon Sinuplasty
Deep Brain stimulation
Oral chemotherapy
Immunotherapy - Monoclonal Antibody to be given as injection
Intra vitreal injections
Robotic surgeries
Stereotactic radio surgeries
Bronchical Thermoplasty
Vaporisation of the prostrate (Green laser treatment or holmium laser treatment)
IONM - (Intra Operative Neuro Monitoring)
Stem cell therapy: Hematopoietic stem cells for bone marrow transplant for haematological conditions to be covered up to 25% of sum insured.
Co-payment
Allowing policyholders to choose a co-payment of either 10% or 20% on claims.
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 excluded until the completion of the specified waiting period.
Cosmetic or aesthetic procedures primarily for appearance enhancement are not covered.
Treatment related to alcohol or drug abuse is excluded.
Self-inflicted injuries or attempted suicide are not covered.
Medical expenses due to war, terrorism, or civil unrest are excluded.
Injuries resulting from participation in hazardous or adventure sports are not covered.
Unproven, experimental, or non-recognized medical treatments are excluded.
Maternity-related expenses are not covered unless the optional maternity benefit is selected.
Exclusions
Hospital Cash - Receive a fixed daily allowance during hospitalization to cover incidental expenses.
Home Care (Domiciliary Hospitalization) - Coverage for medical treatment at home when hospital admission isn't feasible.
Personal Accident Cover - Financial protection against accidental death or disability.
Air Ambulance Cover - Coverage for emergency air ambulance transportation expenses.
OPD Expenses - Reimbursement for outpatient consultations, diagnostics, and pharmacy expenses.
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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