SBI General Arogya Supreme

Key features

• ✓20 base covers + 8 optional covers
• ✓Sum insured from ₹1L up to ₹1 Crore
• ✓100% refill / restoration of sum insured
• ✓537 daycare procedures covered without sub-limits
• ✓Modern treatments covered up to 25% of SI
• ✓Annual preventive health check-up irrespective of claims
• ✓Domestic air ambulance cover
• ✓Compassionate visit benefit
• ✓Recovery benefit
• ✓E-opinion / second medical opinion
• ✓Pre-hospitalisation 30/60 days; post-hospitalisation 60/90/180 days
• ✓Domiciliary hospitalisation
• ✓Cumulative bonus up to 100% of SI
• ✓Lifetime renewability
• ✓Policy term options of 1/2/3 years

What’s included

• ✓In-patient hospitalisation
• ✓ICU charges
• ✓Pre-hospitalisation expenses
• ✓Post-hospitalisation expenses
• ✓537 daycare procedures
• ✓Domiciliary hospitalisation
• ✓Modern treatments (up to 25% of SI)
• ✓AYUSH treatment
• ✓Domestic air ambulance
• ✓Road ambulance charges
• ✓Organ donor expenses
• ✓Annual health check-up
• ✓Daily hospital cash
• ✓Compassionate visit benefit
• ✓Recovery benefit
• ✓E-opinion benefit

What’s excluded

• ✕War / riot-related hospitalisation
• ✕Intentional self-injury
• ✕AIDS / HIV-related illness
• ✕Miscarriage / voluntary abortion (no maternity)
• ✕Congenital external disease
• ✕Infertility and IVF
• ✕Cosmetic / aesthetic treatment
• ✕Adventure / hazardous sports

Eligibility

Min age

18 years

Max age

65 years

Max entry age

65 years

Covers

Self, Spouse, Dependent children (91 days–25 years), Parents, Parents-in-law

Policy term

1, 2 or 3 years

Initial waiting

30 days (except accidents); 90 days for hypertension/diabetes/cardiac for first-time buyers

Co-payment

Nil

Room rent

All room categories covered (single/private/AC); no specific cap for higher variants

No-claim bonus

Cumulative bonus 15% per claim-free year, up to 100% of basic SI