Arogya Supreme Toh Jeevan Supreme!
24Cr+
Customers Served
16,625
Network Hospitals
98% *
Claims Settled FY 23-24
What Is Arogya Supreme?
Your Health Is Our Priority!
Arogya Supreme is 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. It offers extensive coverage with sum insured options ranging from ₹1 lakh to ₹1 crore.
The SBI Arogya Supreme plan offers a wide range of Sum Insured options and comes in both individual and family floater plan types. This policy is ideal for individuals and families seeking financial protection against medical emergencies. Additionally, the plan promotes wellness and preventive healthcare by covering health check-ups and vaccinations, ensuring you stay healthy and well-protected.
Key Benefits of Arogya Supreme Insurance by SBIG
| SBI General Key Features | Benefits |
|---|---|
| Sum Insured | Rs 1 Lac to 1 Crore |
| Entry Age | Adult - 18- 65 years; Children - 91 days - 25 years |
| Waiting period | Pre-existing diseases: 36 months, Initial waiting period: 30 days, except for accidents, Specific illnesses: 24/36 months |
| Tax benefits | Premiums paid up to Rs. 25,000 are exempted from tax under Section 80D |
| Health check-ups | Not required for people up to 45 years with no medical history |
| Lifetime renewability | Lifelong |
| No Claim Bonus (NCB) | 5% increase on the sum insured for each claim-free year (subject to a maximum of 50% of sum insured) |
| Hospital Network | Over 16,625 hospitals across India |
| Pre-Policy Medical Check-Up | Required for applicants above 45 years and sum insured of Rs 50,00,000 & above |
(*Please ensure you read the policy terms and conditions in detail before buying your plan.)
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What’s Covered Under Arogya Supreme?
In-Patient Hospitalization
This insurance covers the expenses related to being admitted to a hospital for at least 24 hours due to an illness or accidental injury. It includes costs such as room rent, diagnostic procedures, medication, ICU expenses, consultation fees, and more.
Road Ambulance
It covers the charges for road ambulance services up to a maximum of Rs 7000 per hospitalization, depending on the type of plan.
Pre-Hospitalization Cover
It covers medical expenses up to 30 or 60 days before hospitalization, depending on the plan type.
Post-Hospitalization Cover
It covers medical expenses for up to 60/90/180 days after hospital discharge, depending on the plan.
Day Care Treatment
It covers medical expenses for day care treatment requiring hospitalization for less than 24 hours, excluding outpatient department (OPD) treatment costs.
Domiciliary Hospitalization
It covers the cost of receiving medical treatment at home as advised by a medical practitioner.
Organ Donor Expenses
It covers medical expenses incurred due to the hospitalization of the organ donor for organ harvesting.
Alternative Treatment
It covers the cost of admission to an AYUSH hospital where treatment is provided based on Ayurveda, Siddha, Unani, and Homeopathy system of medicines.
Disclaimer: The terms and conditions of these covers are mentioned in the policy wordings of SBI Arogya Supreme policy. People are advised to go through the policy wordings carefully before buying the plan.
What’s Not Covered Under Arogya Supreme?
Investigation and Evaluation (Code-Excl 04)- Rest Cure, rehabilitation, and respite care (Code- Excl 05)
- Obesity / Weight Control (Code- Excl 06)
- Change of Gender Treatments (Code- Excl 07)
- Cosmetic or Plastic Surgery (Code- Excl 08)
- Hazardous or Adventure Sports (Code- Excl 09)
- Breach of Law (Code- Excl 10)
- Excluded Providers (Code-Excl 11)
- Treatment for alcoholism, drug or substance abuse or any addictive condition and consequences thereof (Code- Excl 12)
- Treatments received in health hydros, nature cure clinics, spas or similar establishments or private beds registered as a nursing home attached to such establishments or where admission is arranged wholly or partly for domestic reasons.(Code- Excl 13)
- Dietary Supplements and substances that can be purchased without prescription, including but not limited to Vitamins, minerals and organic substances unless prescribed by a Medical Practitioner as part of Hospitalization claim or Day Care Procedures. (Code- Excl 14)
Disclaimer: The above list of exclusions is illustrative and not exhaustive. For a full list of the exclusions, please refer to policy wordings.
How To Buy Arogya Supreme Online?
Input your mobile number, name, and pin code, and click ‘Proceed.’
1
Select insured members, choose a plan, select the sum insured, and needed coverages.
2
Input all the details, such as proposer details, EIA, nominee details, etc.
3
You can pay online and get your policy right away in your inbox.
4
Check out 8 helpful Tips to help you in choosing the Right Health Insurance!
Check Out!How to File Your Health Insurance Claim?
Cashless Facility Procedure
Visit the nearest SBIG network hospital to avail cashless facility. Present your SBIG health card at the insurance desk in the network hospital.
Pre- Authorization Process
The network hospital will verify your identity and submit a duly filled pre-authorization form, along with relevant documents, to SBI General Insurance.
Cashless Treatment Admission
Upon approval, you can get admitted and avail cashless treatment as per your policy coverage.
Claim Settlement
After discharge, the hospital will send your claim documents to SBI General’s office for settlement of hospitalization expenses.
Hospital Discharge Guidelines
Upon discharge from the hospital, it is essential to settle your account and collect all original records of the procedures undergone, along with cost incurred.
Health Claim Submission
Download the SBIG health claim form, fill the form, and submit it with the required documents from the checklist.
Document Submission
Send original claim documents to the Health Vertical Office at the provided address. SBI General Insurance Company Limited, 9th Floor, Westport, Pan Card Club Road, Baner, Pune, Maharashtra- 411 045. Office Timings: 9:30 AM - 5:30 PM (Mon - Fri)
Claim Settlement
SBIG will review submitted documents, and claim processing will occur subject to policy terms and conditions.
FAQs about Arogya Supreme
There are 3 variants available.
a) Pro (Silver)
b) Plus (Gold)
c) Premium (Platinum)
a) Pro (Silver)
b) Plus (Gold)
c) Premium (Platinum)
There are 3 types of policy available for this product:
a) Individual Basis
b) Individual Family basis
c) Family Floater basis
a) Individual Basis
b) Individual Family basis
c) Family Floater basis
Maximum 4 adults can be covered under Family Floater.
For minor, one of the parents needs to be concurrently covered with us.
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 basis of declaration of occupation & marital status on proposal form), he/she will not be covered with parents on subsequent renewals.
Policy is available for 1 year, 2 years and 3 years
Air Ambulance is included; however, payment will be done on reimbursement basis. It is within the sum insured
Yes, Cumulative Bonus is applicable for all 3 variants, limit being 15% maximum up to 100
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.
- 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 – 36 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
Yes, subject to fulfilment of domiciliary hospitalization definition.
Yes, subject to fulfilment of pre-and-post-hospitalization expenses definition where main claim is admissible.
Product Name : Arogya Supreme
Product UIN
SBIHLIP21043V012122
Disclaimer:
For more details on the risk factor, terms and conditions, please refer to the Sales Brochure and Policy Wordings carefully before concluding a sale. Premium rates are exclusive of GST, loading and discounts.
Tax Benefits are subject to change in Tax Laws
SBI General Insurance and SBI are separate legal entities and SBI is working as Corporate Agent of the company for sourcing of insurance products.
*T&C Apply
Policy Documents
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