Aditya Birla Activ Assure Diamond

SBI Arogya Supreme

  • Enhanced Cumulative Bonus
  • Mental Healthcare Cover
  • Preventive Health Checkups

SBI Arogya Supreme Plan

SBI Arogya Supreme Plan is a comprehensive health insurance plan from SBI Health Insurance. SBI Arogya plan is designed to provide financial protection against medical expenses arising from illness or injury. It includes more than 20 coverage benefits and 8 optional coverage benefits such as inpatient hospitalization, pre and post-hospitalization, daily cash in hospital, etc.

SBI Arogya Supreme plan offers a wide range of Sum Insured options and comes in both plan types, i.e. individual and family floater. This SBI Arogya Supreme policy is ideal for individuals and families seeking financial protection against medical emergencies.

Highlights of SBI Arogya Supreme Plan

Below mentioned are the highlights of the SBI Arogya Supreme Plan:

  • Entry Age

    Adult: 18 Years to 65 Years Child: 91 Days to 25 Years

  • Renewability

    Lifelong

  • Policy Type

    Individual and Family Floater

  • Sum Insured

    3L, 5L, 7.5L, 10L, 15L, 30L, 40L, 50L, 1 Cr

  • Policy Term

    1, 2, 3 Years

  • Waiting Period for Pre-Existing Disease

    4 Years

SBI Arogya Supreme Plan Coverage Benefits

SBI Arogya Supreme plan offer financial protection against various health-related expenses that may arise due to an illness, injury, or accident. Below mentioned are the coverage benefits offered under the SBI Arogya Supreme plan:

  • Plan Type: Pro
  • Plan Type: Plus
  • Plan Type: Premium
  • 3L to 5L

In-patient Hospitalization

Covered

Room Rent

3L and 4L - Single Private AC Room
5 Lakhs - Single Private AC Room (upgrade option available)

ICU Charges

3L and 4L - As per actual expense provided by hospital
5 Lakhs - As per actual expense provided by hospital

Mental Healthcare / Psychiatric illness Cover

Up to Sum Insured

Pre-Hospitalization

Covered up to 30 Days

Post-Hospitalization

Covered up to 60 Days

Domiciliary Hospitalization

Covered up to Sum Insured

Genetic Disorder

Covered up to INR 1L

Internal Congenital Anomaly

25% of Sum Insured

Daycare Treatments

537 Procedures covered up to Sum Insured

Cataract

Covered up to INR 50K per eye

No Claim Bonus

15% up to max 100% of SI

Organ Donor

Covered up to Sum Insured

AYUSH Treatment

Covered up to Sum Insured

Modern Treatment

Covered up to 25% of Sum Insured

Ambulance Cover

Covered up to INR 3K

Recovery Benefit

INR 5K per Hospitalization

Health Checkup

Available

Hospital Daily Cash

INR 1K/day

Co-payment

10% / 20% Available

Coverage after Waiting Period

Given below are the coverage benefits offered under the SBI Arogya Supreme Health policy after a certain waiting period:

Coverage Benefits Waiting Period
Initial Waiting Period 30 Days
Covid-19 15 Days
Pre-Existing Diseases 48 Months
Major Illnesses 90 Days
Specific Diseases 24 Months

SBI Arogya Supreme Health Insurance Plan Exclusion

Below mentioned is the list of diseases and conditions that are not covered under SBI Arogya Supreme Plan:

  • Investigation and Evaluation
  • Rest Cure, rehabilitation, and respite care
  • Obesity treatment
  • Weight Control Treatment
  • Gender Change Treatments
  • Cosmetic Surgery
  • Plastic Surgery
  • Hazardous or Adventure Sports
  • Breach of Law
  • Treatment for alcoholism or drug
  • Substance abuse or any addictive condition and consequences y
  • Treatments received in health hydros, nature cure clinics, spas
  • Dietary Supplements and substances

SBI Arogya Supreme Plan Additional Benefits

SBI Arogya Supreme plan offer various optional benefits to enhance the basic coverage benefits the plan. Below mentioned are the additional riders offered under SBI Arogya Supreme Plan:

  • Hospital Cash: Policyholders will get a daily cash allowance of INR 500, 1000, 2500, 5000 for 5/10/15/45 days in case of hospitalization.
  • Additional SI for Accidental Hospitalization: Policyholders will get 1.5x or 2x of the base sum insured amount in case of accidental hospitalization.
  • Enhanced Cumulative Bonus: Policyholders will get 25% of the cumulative bonus for each claim-free year up to a maximum of 200%.
  • Preventive Health Checkup: Policyholders will get a series of health checkups annually. Below is the list of tests performed in preventive health checkups:

    1. Pro Variant: Haematology: CBC + Haemoglobin Diabetes Prole: Fasting Blood Sugar or random Blood Sugar, Lipid Prole: Total Cholesterol Liver Function: SGOT + SGPT Kidney / Renal Function: Bun and Creatinine

    2. Plus Variant: Haematology: CBC + Haemoglobin Diabetes Prole: Fasting Blood Sugar or random Blood Sugar Lipid Prole: Total Cholesterol + HDL + LDL + Triglycerides Liver Function: SGOT + SGPT + Bilirubin Total Kidney / Renal Function: Bun and Creatinine + Uric Acid Thyroid: TSH

    3. Premium Variant: Haematology: CBC + ESR + Haemoglobin + PSDiabetes Profile: Fasting Blood Sugar + HbA1c Lipid Prole: Total Cholesterol + HDL Cholesterol + LDL Cholesterol + Triglycerides Liver Function Tests: SGOT + SGPT + Bilirubin Total Kidney / Renal Function: Bun and Creatinine + Uric Acid Thyroid Profile: T3+ T4+ TSH Urine Analysis: Urine Complete Analysis Iron Deficiency: Iron Profile

Explore More About SBI Arogya Supreme Plan

Check the below section to learn more about the SBI Health Insurance buying process, sbi health insurance claim settlement process, sbi health insurance renewal process.