SBI General Arogya Supreme Health Insurance Plan

When in situations where the health conditions are critical or the policyholder is advised by the medical practitioner to get medical treatment from hospitals, all the expenses arising at hospitalisation will be covered.

SBI Arogya Supreme Plan covers expenses incurred on hospitalisation due to any mental illness during the policy term. Mental illness means a kind of disorder of thinking, perception, behaviour, mental illness associated with abuse of alcohol & drugs and more.

If the policyholder is diagnosed with HIV post the purchase of policy and may require hospitalisation, then the medical expenses arising for the treatment of AIDS will also be covered under the policy.

In case the policyholder is hospitalised for more than 24 hours due to genetic disorders such as severe depression, bipolar disorder, post traumatic stress, panic disorder and more. The policy covers medical expenses up to Rs.1 Lakh for the treatment of such genetic disorders.

In case if the policyholder is hospitalised for any of the internal congenital disorders, SBI Arogya supreme covers medical expenses up to 25% of the cover amount.

SBI Arogya Supreme covers medical expenses arising out of hospitalisation on advice of a medical practitioner for bariatric treatment. The policy covers expenses up to the cover amount chosen by the policyholder.

Treatments that require modern technology for surgeries are considered as advanced procedures. Under SBI Arogya Supreme policy, expenses of advance procedures up to 25% of the cover amount is covered. Advance procedures includes the following

• Uterine Artery Embolization and HIFU
• Balloon Sinuplasty
• Deep Brain Stimulation
• Oral Chemotherapy (covered as OPD also)
• Immunotherapy - Monoclonal Antibody to be given as injection
• Intra Vitreal Injections
• Robotic Surgeries
• Stereotactic Radio Surgeries
• Bronchial Thermoplasty
• Vaporisation of the Prostate (Green laser treatment or
• holmium laser treatment)
• IONM (Intra Operative Neuro Monitoring)
• Stem Cell Therapy

If the policyholder has to undergo cataract treatment, the plan covers medical expenses of Rs.50,000 or Rs. 1 lakh per eye including the cost of lens for that particular policy year.

In SBI Arogya Supreme Health Insurance Plan, expenses occurring before being hospitalised and post discharge from hospital are covered. Any medical expenses incurred prior to hospitalisation and post discharge from the hospital are covered under the SBI Arogya Supreme Plan. The cost incurred is accepted if the policyholder is admitted in-patient for the same reason.

Domiciliary hospitalisation is medical treatment of illnesses, which is a normal situation that is done at a hospital. In a situation where the illness or disease can be treated by giving home treatment and as advised by the Doctor, then it will be treated as Domiciliary hospitalisation. The expenses incurred during domiciliary hospitalisation in the policy period will be covered under this plan.

Day care procedures are when the policyholder takes medical treatment at a hospital that doesn't require hospitalisation for more than 24 hours. The cost arising out of these medical treatments will be covered under SBI Arogya Supreme Health Insurance Plan. Around 500+ day care procedures are covered under the Arogya Supreme Plan. Know more about Day Care Treatment in health insurance.

If the policyholder opts for a road ambulance for transportation purposes to the nearest hospital, the expenses for the same shall be covered under the SBI Arogya Supreme Plan. The plan covers up to the limit of Rs.3,000, Rs. 5,000 & Rs. 7,000 as per the plan variant chosen by the policyholder.

Plan covers the expenses arising for the organ donors in-patient hospitalisation. The expenses for harvesting of organ donated and in-patient hospitalisation is reimbursed up to the limit of chosen cover amount.

AYUSH stands for Ayurveda, Unani, Siddhi, and Homeopathy treatments, which are covered under this plan. Expenses related to any of such treatments are covered up to the limit of cover amount.

SBI Arogya Supreme offers domestic medical emergency assistance if the policyholder is travelling within India, 150 km or more away from the place of residence address as mentioned in the policy paper. This can be availed only if there in an emergency medical

In case the insured has exhausted the base sum insured under the health pulse plan, partially or completely, then an additional sum insured equal to the cover amount for an upcoming claim in the same year is automatically added without any extra charge. The refill benefit can be availed for treatment of any different illnesses in the same policy year but for subsequent hospitalisation. The SBI Arogya Supreme plan offers a refill benefit of up to 100% of the cover amount.

In case if the policyholder is hospitalised for more than 5 days and if any of the immediate family member wishes to visit, then the cost of economy class air ticket up to 1% of the cover amount or maximum up to Rs.20,000 will be reimbursed.