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SBI General Arogya Supreme (Plus)

Introduction to SBI General Arogya Supreme (Plus)

SBI General Arogya Supreme (Plus) Plan is a health insurance policy offered by SBI General Insurance Company Limited. A health insurance plan protects you from unexpected medical expenses, which can be a significant financial burden. It ensures that you and your family receive the required medical care without having to worry about the costs associated with it. With SBI General’s Arogya Supreme (Plus) Plan, you can have access to a wide range of benefits and features that cater to your healthcare needs, ensuring that you can prioritize your well-being without the worry of exorbitant expenses.

Verdict: SBI General Arogya Supreme (Plus)

This health insurance plan offers extensive coverage that goes beyond hospitalization expenses, encompassing various costs such as bariatric surgery, treatments for external birth defects after a specified waiting period, and so on. Additionally, the plan provides several options to get premium discounts. On the flip side, however, it is more expensive than other products in the market and does not provide a monthly premium payment option. Additionally, based on our research, the insurer has received a higher number of claim settlement and policy purchase complaints. This implies that the insurer has a poor track record with respect to both purchase and claims service.

Pros & Cons: SBI General Arogya Supreme (Plus)

  • arrow Multiple options available for getting premium discounts
  • arrow Covers Bariatric surgery for weight loss
  • arrow Covers expenses related to external birth defects after you wait for a specific period
  • arrow Expensive than other products in the market
  • arrow Limitations on the type of hospital room you choose
  • arrow Received higher number of complaints during policy purchase compared to other insurers
  • arrow Received higher number of complaints on claim settlement compared to other insurers
  • arrow Our study observed their responses on Twitter to be relatively slower than other insurers

Specific Exclusions: SBI General Arogya Supreme (Plus)

01 Injury or disease due to war, invasion, act of foreign enemy, and warlike operations
02 Injury or illness due to nuclear, chemical or biological attack or weapons
03 Circumcision unless necessary for treating a disease or injury
04 Expenses for treatment related to external birth defects
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About SBI General Insurance Company Limited

SBI General Insurance Company Limited logo

SBI General Insurance Company Limited is a joint venture between State Bank of India (SBI) and Insurance Australia Group (IAG). The company offers a wide range of general insurance products ranging from Motor, Health, Travel, Cyber, and Personal Accident, etc. in the retail space to Fire, Marine and other insurance products in the corporate space. It was founded in 2009 and is headquartered in Mumbai, Maharashtra. Mr. Kishore Kumar Poludasu is the company's CEO and MD.

Founded in
JV Partners
State Bank of India (SBI) and Insurance Australia Group (IAG)
Turnover (GWP)
651.94 Crores
Number of Policies
Number of Claims

Detailed Product Specs: SBI General Arogya Supreme (Plus)

Claims Experience advisor
Customer Service advisor
Product Benefits (10L Sum Insured) advisor
Limits and Exclusions advisor
% of claims settled in less than 30 days
Reflects on the speed of settling valid claims
% of Complaints received on overall claims
% customers unhappy with claims experience
Claims Incurred Ratio
Claim Settlement Ratio (No. of claims)
What % of the claims received were paid?
No. of Cashless Hospitals

  1. The health insurance data was last updated in June 2023. All data has been sourced from product brochures, policy wordings, prospectus, public disclosures (Q1, FY 2023-2024), IRDAI annual report (2021-22), insurer websites, and the IRDAI website. 
  2. For now, we have considered the most comprehensive plans from leading insurance companies. We will keep updating the product pages with new plans in the coming days.
  3. We have rated only those plans that can be serviced by individual advisors. This is because of our strong belief that health insurance customers need professional assistance from individual advisors before and after purchase. We do not recommend and hence do not rate direct-to-customer health insurance plans or plans where there aren't enough advisors available to service. 
  4. Affordability assessment of plans: 
    • The affordability of comprehensive plans is assessed using premiums for a family of two adults (30 years old) and one child (1 year old) residing in Zone 1 opting for a cover of ₹10 Lakhs. And, the premiums are as of 31st June 2023.
    • The affordability of Care Freedom Plan is assessed using premiums for a 30-year-old male residing in Zone 1 opting for a cover of ₹5 Lakhs. And, the premiums are as of 31st June 2023.
  5. The product benefits section is based on a sum insured of ₹10 Lakhs and only highlights the top benefits and features of health insurance plans. 
  6. Only those hidden and special conditions that apply to the benefits and features we have considered are included in the product pages. 
  7. The product pages only include the most significant specific exclusions under each plan.
  8. The product pages do not include any generic terms, conditions, or exclusions (those that are the same and apply to all health insurance plans).
  9. If the policy wording, brochure, or prospectus state that a benefit/feature is available with a specific plan but it is not available online when generating the premium quote, we have not considered that benefit/feature to be available with the plan.
  10. The response time on Twitter (Beta) was calculated using a sample set of tweets from April, May, and June 2022 (analyzed in August, September, and October 2022). 
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