Sbi Arogya Health Insurance Plan
SBI General Insurance Company Limited
8.0/10
OneAssure Rating
8.0/10
OneAssure Rating
Highlighted Features
Room Rent Coverage
No sub-limits on room rent; ICU charges fully covered, ensuring financial security during hospitalization without restrictions.
Co-payment Option
Policyholders can choose a co-payment of 10% or 20%, lowering premiums while sharing a portion of medical expenses.
Brochure
Policy Wording
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Our Verdict
SBI Arogya Supreme Pro offers comprehensive coverage with no room rent sub-limits and add-ons like critical illness and maternity benefits. Ideal for families seeking robust healthcare protection and financial security.
About the Plan
SBI Health Insurance’s Arogya Supreme Pro is a comprehensive health plan offering extensive coverage for medical expenses. It includes hospitalization, pre- and post-hospitalization, day-care procedures, domiciliary treatment, and ambulance charges. The plan provides a high sum insured, cashless treatment at network hospitals, and annual health check-ups. Optional add-ons like critical illness cover and maternity benefits enhance protection. With no sub-limits on room rent and attractive no-claim bonuses, Arogya Supreme Pro ensures financial security and quality healthcare for policyholders.
About the Plan
Product Stats
Rating
Features of the Product
Room Rent (Normal & ICU)
Normal: No sub-limits; covered up to the sum insured.
ICU: Fully covered up to the sum insured.
Advanced Treatments
Covers modern medical procedures like Robotic surgery, Stem cell therapy, and Organ transplant treatments.
Co-payment
Allowing policyholders to choose a co-payment of either 10% or 20%.
Waiting Periods
Pre-existing diseases: Covered after a 3-year waiting period.
Specific illnesses: Waiting period of 2 years.
Cashless Healthcare Providers
Access to 20,000+ network hospitals across India for cashless treatments.
Day Care Treatments
Covers 500+ day-care procedures, including cataract surgery, dialysis, and chemotherapy.
AYUSH Treatment
Covers Ayurveda, Yoga, Unani, Siddha, and Homeopathy treatments up to the sum insured.
Exclusions
Pre-existing diseases covered after a 3-year waiting period.
Cosmetic and dental treatments excluded unless due to accidental injury.
Self-inflicted injuries, including suicide attempts and substance abuse, are not covered.
Injuries caused by war, terrorism, or nuclear exposure are excluded.
Unproven, experimental, or non-standard medical treatments are not covered.
Pregnancy-related expenses are excluded unless covered under maternity benefits.
HIV/AIDS and sexually transmitted diseases (STDs) are not covered unless included in specific add-ons.
Treatment for injuries sustained during hazardous activities or adventure sports is excluded.
Congenital diseases and conditions present from birth are not covered.
Expenses for dietary supplements, vitamins, and alternative medicines not prescribed by a doctor are excluded.
Exclusions
No-Claim Bonus Booster - Increases sum insured for every claim-free year.
Maternity and Newborn Cover - Covers childbirth and newborn expenses.
Critical Illness Cover - Provides lump sum for life-threatening diseases.
Hospital Daily Cash - Fixed daily allowance during hospitalization.
Personal Accident Cover - Financial protection against accidental death or disability.
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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