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Last updated on: September 22, 2025
The Reliance Arogya Sanjeevani Plan and SBI Arogya Supreme Plan are both popular health insurance offerings in India, but they differ significantly in coverage and features. The Reliance Arogya Sanjeevani Plan is a standard, IRDAI-mandated product offering basic coverage for hospitalization, pre- and post-hospital expenses, AYUSH treatments, and specific procedures with sum insured options up to ₹5 lakh, making it suitable for individuals seeking affordable, entry-level coverage. In contrast, the SBI Arogya Supreme Plan is a comprehensive plan providing higher sum insured options (up to ₹5 crore), a wide range of customizable add-ons, maternity cover, critical illness benefits, and international coverage, appealing to those seeking broader protection and flexibility. Ultimately, Reliance’s plan is ideal for budget-conscious buyers, while SBI Supreme caters to those wanting extensive and customizable health insurance.
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In case of purchasing health insurance in India, one may have a hard time deciding on premium plans such as Reliance Arogya Sanjeevani Plan and SBI Arogya Supreme Plan. The two policies provide a much-needed safety net with respect to high medical costs, although each family has its own requirements. With the ongoing confusion in healthcare expenses up to 2025, features, coverage, inclusions, and exclusions v/s costs are more topical than at any time. This paper provides you with a head to head comparison to enable you make informed choice to protect your family.
Reliance Arogya Sanjeevani Plan is an affordable health insurance cover of Reliance general insurance. It was created to provide easy and simple cover on basic medical costs.
This is a simple plan based on the IRDAI guidelines and it has simple coverage format; therefore, it is not only suitable to the first time health insurance premium purchasers, but also those who require simple coverage.
SBI Arogya Supreme Plan of SBI general is a general health insurance product. It serves the individual and family health insurance requirements with various sum insured.
SBI Arogya Supreme is aimed at customers that seek greater cover, flexibility and more features than regular plans.
| Features | Reliance Arogya Sanjeevani Plan | SBI Arogya Supreme Plan |
|---|---|---|
| Sum Insured (2025) | 1 to 5 Lakh rupees | 3 lakh to 5 crore rupees |
| Hospital Network | 8600+ | 6000+ |
| Pre Hospitalisation | 30 days | 60 days |
| Post Hospitalisation | 60 days | 90 days |
| Co payment | 5 percent | Optional/None |
| Annual check up Health | Not covered | Included |
| Alternate Therapy (AYUSH) | Covered (upto SI) | Covered (upto SI) |
| Critical Illness | Not covered | Optional add-on |
| Maternity/Newborn Cover | Not available | Available with add-on |
| No Claim Bonus | 5 percent per annum (limit 50) | 10 percent per annum (limit 100) |
| Restore Benefit | Not covered | Included |
| Day Care Procedures | All as per IRDAI | 540+ |
| Room Rent Limit | General (semiprivate) | Up to SI (select plan) |
| Waiting Period (PE Diseases) | 48 months | 36 months |
| Policy Tenure | 1 year | 1, 2, or 3 years |
Did you know? Heath insurance claims settlement ratio of Reliance and SBI are above 95 percent in 2025, hence making these reliable when it comes to families and individuals.
Professional opinion: More customers are choosing higher sum insured plans with additional benefits in 2025 because of the increase in the rate of hospitalisation in metro and Tier 2 cities.
This plan works best for:
This is the right policy for:
Did you know? With an increasing number of employees in 2025 opting to use SBI Arogya Supreme as an addition to their employer or group insurance to cover coverage gaps and add value-added benefits, many will join the list of salaried individuals.
Pros
Cons
People also ask
Is Reliance Arogya Sanjeevani Plan lifetime renewable?
Yes, you can renew the policy as long as you pay the premium, it is a life time policy.
Pros
Cons
People also ask
Will COVID-19 hospitalisation at SBI Arogya Supreme Plan be covered in 2025?
Yes, COVID-19 hospitalisation is included depending on policy terms, which also covers post COVID complications when hospitalised.
General exclusions (both plans):
The Reliance Arogya Sanjeevani Plan:
SBI Arogya Supreme Plan:
Professional judgment: It is always advisable to read the policy exclusions and waiting periods in 2025 since they may affect the claim eligibility and out-of-pocket expenditure, particularly to first-time buyers.
Sample Annual Premiums (individual aged 30, sum selected, no add-ons):
| Policy | Consumed sum insured (2025) | Premium |
|---|---|---|
| Reliance Arogya Sanjeevani Plan | 3 lakh | ₹3250 |
| Reliance Arogya Sanjeevani Plan | 5 lakh | ₹4650 |
| SBI Arogya Supreme Plan | 5 lakh | ₹6150 |
| SBI Arogya Supreme Plan | 10 lakh | ₹8700 |
| SBI Arogya Supreme Plan | 20 lakh | ₹14650 |
The premium depends on the city, age and the tenure of the policy.
People also ask
Is it possible to make SBI Arogya Supreme payments in instalments?
Yes, SBI provides an option of annual, semi-annual, quarterly and monthly premiums.
It implies that SBI Arogya Supreme will allow you to increase your insured value using NCB in the instance that you fail to claim in a number of years.
Did you know? There are no Claim Bonuses that are lost or decreased in the event that a claim is made in two policies, but the benefit of SBI is greater and accumulated sooner.
The two companies offer both online and telephone services and the claim settlement system is now quicker in 2025 by online claim filing and cashless tie-ups.
The two are providing full claim support and are highly settled based on the recent reports given by IRDAI.
People also ask
What is the cashless hospital coverage of the network?
There are over 8600 hospitals under Reliance and over 6000 empanelled hospitals of SBI so that cashless claims can be made smoothly.
Insight of Experts: Policy holders will favor schemes where the waiting time is less in 2025 particularly when it comes to pre existing diseases and thus consider this when selecting.
Previous coverage on SBI plan provides an advantage in the case of a disclosure of pre existing conditions on the time of purchasing the policy.
People also ask
Would the two plans include diabetes and hypertension?
It is only on completion of the waiting period on pre existing disease and disclosure of the conditions at proposal time.
This can be useful to individuals who require personalized solutions or individuals who wish to do more than the bare minimum with their medical insurance.
Is SBI Arogya Supreme Plan a good plan in 2025 among the senior citizens?
Yes, it is suitable until 65 years of entry age and life long renewable making it suitable to older people who require a comprehensive cover.
Is Reliance Arogya Sanjeevani Plan inclusive of OPD consultations?
No, OPD costs are not included in Reliance Arogya Sanjeevani Plan.
Which is a better plan in terms of cashless hospital coverage?
Reliance has a larger network with 8600 hospitals whereas both have good pan India coverage of cashless claims.
Is it possible to port my Reliance Arogya policy to Arogya Supreme of SBI?
Yes, according to the policy portability rules under IRDAI, you can switch insurance companies during the policy renewal but remain entitled to the waiting period credit.
Which health insurance best fits in families in metro cities in 2025?
The SBI Arogya Supreme Plan will better match the healthcare requirements in metros because of the increased sum insured and coverage.
How could we improve this article?
Written by Prem Anand, a content writer with over 10+ years of experience in the Banking, Financial Services, and Insurance sectors.
Prem Anand is a seasoned content writer with over 10+ years of experience in the Banking, Financial Services, and Insurance sectors. He has a strong command of industry-specific language and compliance regulations. He specializes in writing insightful blog posts, detailed articles, and content that educates and engages the Indian audience.
The content is prepared by thoroughly researching multiple trustworthy sources such as official websites, financial portals, customer reviews, policy documents and IRDAI guidelines. The goal is to bring accurate and reader-friendly insights.
This content is created to help readers make informed decisions. It aims to simplify complex insurance and finance topics so that you can understand your options clearly and take the right steps with confidence. Every article is written keeping transparency, clarity, and trust in mind.
Based on Google's Helpful Content System, this article emphasizes user value, transparency, and accuracy. It incorporates principles of E-E-A-T (Experience, Expertise, Authoritativeness, Trustworthiness).
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