SBI Arogya Supreme Overview

SBI Arogya Supreme Health Insurance Policy is a varied policy which offers a solution for all your requirements and necessities related to healthcare. It provides 20 basic and 9 optional covers so that you will not have to stress about your treatment expenses. It provides coverage to individuals who are between the ages of 18 and 65 years. This coverage can be purchased for oneself, their dependents, spouses, parents, or parents in-law.


This comprehensive coverage has several benefits to offer such as a diversified range of insured sum and multiple policy tenure options (1, 2, or 3 years). Various add-on covers such as Compassionate Benefit, Domestic Air Ambulance Cover, E-Opinion Cover, and Recovery Benefit, along with preventive health check-up policy are available as the ‘Renewal Benefits’.

Highlights of SBI Arogya Supreme Policy

Here is a table depicting the key highlights of this health insurance policy at a glance:



Insured Sum

₹3 Lakhs to ₹1 Crore

Coverage Types

Family Floater/Individual Family/Individual

Eligibility Criteria

Children: 91 days to 25 years

Adult: 18 years to 65 years

Plan Options

Premium, Plus, Pro

Pre-policy Medical Check-up

Necessary for applicants who are more than 45 years old and insured sum is of more than ₹50,00,000

Policy Tenure

1, 2, or 3 years




Regional, co-pay, loyalty, online, family, long-term policy

Key Features of SBI Arogya Supreme

Here are a few key highlighting features of SBI Arogya Supreme Policy:

  • Substantial Sum Insured

This health insurance policy insures a sum ranging from ₹3 Lakhs to ₹1 Crore for a varying policy tenure of up to 3 years.

  • Comprehensive Coverage

This health insurance policy offers comprehensive coverage for medical treatment costs, comprising the pre and post-hospitalisation charges, day care procedures, and ambulance service costs.

  • No Room Rent Restrictions

There are no restrictions on the room rent expenses, and this policy covers the total amount, including those related to ICCU and ICU based on the chosen option.

  • Family Floater Policy

Arogya Supreme Policy is also available as a family floater policy, covering the entire family, including the policyholder’s spouses, dependent children, and parents.

  • Tax Benefits

The premium amount paid for this policy is eligible for availing of tax benefits u/s 80D of the Income Tax Act, 1961.

  • Pre-policy Medical Check-up

No pre-policy medical check-up is necessary for applicants up to 45 years of age.

  • Several Coverages

This policy is available with 8 optional and 20 basic covers.

Types of SBI Arogya Supreme Policy

This health insurance policy is available in the following three types:

  • Premium Plan

Sum Insured: More than ₹25,00,000

  • Plus Plan

Sum Insured: Between ₹7,50,000 and ₹20,00,000

  • Pro Plan

Sum Insured: Up to ₹5,00,000

Inclusions of SBI Arogya Supreme

Here are a few inclusions under SBI General Arogya Supreme:


  •  In-patient hospitalisation treatment expenses

  •  AIDS/HIV Cover

  • Mental Healthcare

  • Genetic Disorder

  • Advance Procedures

  • Internal Congenital Anomaly

  • Day Care Procedures

  • Organ Donor Expenses

  • Sum Insured Refill

  • Pre- and Post-hospitalisation Covers

  • Road/Air Ambulance Expenses up to a maximum of ₹7,000/hospitalisation based on the type of plan

  • AYUSH Treatment

  • Domiciliary Hospitalisation

  • E-opinion

  • Compassionate Visit

  • Cataract Treatment

  • Bariatric Surgery Cover

1. Optional Covers

Here are a few add-on or optional coverages available with SBI Arogya Supreme Insurance Policy:


  • Co-payment

  • Deductible

  • Any room upgradation

  • Enhanced cumulative bonuses

  • Major illnesses benefits

  • Hospital cash benefits

  • NCB protection

  • Additional sum insured for hospitalisation arising due to accidents

2. Exclusions of SBI Arogya Supreme

Here are a few mandatory exclusions under SBI General Arogya Supreme:


  • Evaluation and investigation

  • Rehabilitation, respite care, and rest cure

  • Plastic/cosmetic surgery

  • Weight control/obesity

  • Adventure/hazardous sports

  • Excluded providers

  • Breach of laws

  • Gender transformation expenses

  • Treatment for drug, substance, or drug abuse

  • Treatments received in nature cure clinics, health hydros, spas, nursing homes, or establishments where the admission has been arranged for domestic purposes

  • Substances which can be bought with no prescription, dietary supplements, such as minerals, organic substances, vitamins, or more. They are not covered unless they have been prescribed by a specialist for day care/hospitalisation procedures

  • Injuries due to weapons or nuclear materials

  • Claims due to war

  • Unproven treatments

  • Circumcision

  • Maternity expenses

  • Overseas treatments

*Disclaimer: This information is indicative. Kindly visit SBI General’s official website for accurate information.

How to Make a Claim Under Arogya Supreme Policy

There are two ways in which you can raise a claim under this health insurance policy: Cashless and Reimbursement Claims. Follow these steps to make a claim under this policy:


  1. Inform SBI about your hospitalisation within 24-hours incase of emergency cashless hospitalisation, 72-hours before the planned cashless hospitalisation, and 48-hours after the hospital discharge incase of reimbursement claims

  2. Send a form of pre-authorisation to SBI General incase of cashless hospitalisation

  3. Receive the treatment after the pre-authorisation is granted and get discharged

  4. Pay the total hospitalisation bill while getting discharged and collect all the necessary documents incase of reimbursement claims

  5. Submit the documents to SBI General as asked within 30 days after getting discharged

  6. SBI General will then settle your claim within a span of 30 days


You will have to submit the following documents incase of reimbursement claims:


  • Original reports of investigation

  • Duly filled claims’ form

  • KYC details

  • NEFT/bank account details

  • Certified copies of investigation, medicine, and hospital bills

  • Self-attested copies of PAN card, photo ID, address proof, and aadhar card

  • Certified copy of the death certificate incase of the policyholder’s death


SBI General Arogya Supreme Policy is a comprehensive health insurance policy which provides extensive coverage and flexibility to meet the diversified healthcare requirements of individuals and families. With zero room rent charges, range of sum insured options, multiple policy tenures, this insurance plan caters to a wide variety of medical expenses. Furthermore, with the availability of its tax benefit features, it is an excellent choice for individuals and families who are looking for comprehensive coverage and financial security.


Disclaimer : SBI General Insurance Company Limited | Corporate & Registered Office: Fulcrum Building, 9th Floor, A & B Wing, Sahar Road, Andheri (East), Mumbai - 400099. | The information in the advertisement is indicative in nature. For more details on the risk factor, terms and conditions, please refer to the Sales Brochure and Policy Wordings carefully before concluding a sale. | Tax benefits are subject to changes in tax laws. | For SBI General Insurance Company Limited IRDAI Reg. No. 144 dated 15/12/2009 | CIN: U66000MH2009PLC190546 | Bajaj Finserv Direct Limited is a registered corporate agent of SBI General Insurance Company Limited. IRDAI Registration Number CA0551  |SBI Logo displayed belongs to State Bank of India and used by SBI General Insurance Company Limited under license. | Website:, Tollfree: 18001021111  SBI General Insurance and SBI are separate legal entities and SBI is working as Corporate Agent of the company for sourcing of insurance products.

Frequently Asked Questions

What is the starting price of SBI General Arogya Supreme Policy?

SBI General Arogya Supreme Policy is available at a starting premium of ₹3,008 exclusive of GST.

What is the sum insured range of SBI Arogya Supreme?

SBI Arogya Supreme Policy insures sums ranging between ₹3 Lakhs and ₹1 Crore.

What is the criteria of eligibility for SBI Arogya Supreme?

Here is the eligibility criteria for SBI Arogya Supreme Policy:

●  Children: 91 days to 25 years

● Adult: 18 years to 65 years

Which relationships does SBI Arogya Supreme cover?

SBI Arogya Supreme Policy covers spouses, children, parents, and parents in-law.

What are the tenure options available for Arogya Supreme?

The policy tenures of 1, 2, and 3 years are available for SBI General Arogya Supreme.

Is pre-policy medical check-up required to purchase SBI Arogya Supreme?

Yes, pre-policy medical check-up is required for people beyond 45 years of age to buy SBI Arogya Supreme Policy.

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