Here’s a comparison table of some popular SBI General Insurance health plans — showing their sums insured, who they’re for, and key benefits — to help you decide which one fits best.
Plan | Sum Insured / Coverage Range | Entry Age / Eligibility | Key Features / Benefits |
|---|---|---|---|
Health Edge | ₹3 lakhs to ₹25 lakhs | Adults 18-65 yrs; Children from 91 days | Customizable plan with 9 essential indemnity covers, 18 optional ones; global treatment cover; pre- and post-hospitalization; ICU expenses; renewability for lifetime; short waiting periods for many coverages |
Arogya Supreme | ₹1 lakh to ₹1 crore (or more) | Adults & children (Adults usually 18-65 yrs; children from 91 days) | Broad coverage including day-care, organ donor expenses, mental health, HIV, congenital anomalies, cataract, sum insured refill, recovery benefit, optional covers like hospital cash. Longer pre-existing disease waiting periods etc. |
Super Health | From ~₹3 lakhs to ₹2 crore depending on variant (Platinum, Premier etc.) | 91 days onward for most plans | Wide range of features: global cover, wellness benefits, maternity cover, baby expenses, alternative treatment (AYUSH), air and road ambulance, loyalty credits etc. |
Arogya Plus | ₹1 lakh to ₹3 lakhs | From 180 days age (infants) onward | Covers both hospitalization and OPD; no copay in many cases; covers maternity and advanced treatments; more affordable for lower coverage needs |
Waiting periods (for pre-existing diseases, specific illnesses) vary a lot between plans.
Some plans require medical tests above certain ages or sum insured thresholds.
Check what is optional vs what is included by default (e.g. maternity cover, AYUSH, ambulance).
Consider network hospitals count and whether they offer cashless facility where you are.
Premium vs benefit trade-off depends on how much you expect to use the health service, as well as your family’s medical history.