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Last updated on: May 20, 2025
The Reliance Health Gain Plan and SBI Arogya Supreme Plan are both comprehensive health insurance options in India, but they have distinct features. Reliance Health Gain offers flexible sum insured options (₹3 lakh–₹1 crore), covers up to 12 family members, provides free annual health checks, and includes wellness rewards. SBI Arogya Supreme also provides high coverage (₹1 lakh–₹5 crore), includes 20-plus advanced add-on benefits, covers nine family members, and offers wellness services. While both plans offer cashless hospitalization, pre-and post-hospitalization, and chronic disease management, Reliance stands out for its value-added wellness features and wider family coverage, whereas SBI excels in sum insured customization and optional riders. Ultimately, the best choice depends on individual health needs, preferred features, and budget priorities.
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Read BioInsurance of health is rapidly becoming a household requirement in India, particularly due to the costlier medical and the growing number of lifestyle diseases. The Reliance Health Gain Plan and SBI Arogya Premium Plan are two of the most popular comprehensive plans in 2025. And by comparing them you will find out which will best suit you, be you a young working person, family person or long-term medical security.
This article will compare them in detail, explaining all the key features, their pros and cons and giving real life examples. Whether it is your initial policy purchase or switching a policy, this guide will de-mystify your decision making process and provide you with the confidence to make an informed decision.
Reliance Health Gain Plan is a customisable, flexible health insurance plan by Reliance General Insurance that was introduced with new features in 2025. It offers both offline and online purchase opportunities and puts an emphasis on large coverage and lots of add-ons and sum insured up to 3 crore.
The SBI general insurance is more expensive medical insurance scheme called SBI Arogya premier plan; the plan targets of serving families and individuals, who required a comprehensive health cover. It has a reputation of being hassle-free in settling claims, highly credible, and has a network of hospitals spread throughout India.
These two policies are reputed and supported by reputable insurance organizations which have huge distribution, claim support and unique benefits.
| Feature | Reliance Health Gain Plan | SBI Arogya Premier Plan |
|---|---|---|
| Insurer | Reliance General Insurance | SBI General Insurance. |
| Minimum/ Maximum Age | 91 days 65 years | 3 months 65 years. |
| Sum Insured Range | Rs 3 lakh to rs 3 crore | Rs 10 lakh to Rs 30 lakh |
| Pre and Post-hospitalization | 60 and 180 days | 60 and 90 days |
| Renewal | Lifelong | Lifelong |
| No-Claim Bonus | Up to 100 percent | 10 percent per year of claims-free service. |
| Maternity Coverage | Add-on available | Optional, within a 9 month waiting. |
| Ambulance Cover | 10000 per claim | 5000 per claim |
| Day Care Procedures | All covered | 141+ procedures |
| Cashless Network Hospitals | 8,700+ | 6,000+ |
| OPD Cover | Available (add-on) | Not available |
| Wellness Benefits | Current | Minor. |
Individual, family and elder citizen assistance.
Big sum insured up to Rs 3 crore.
Customizable variants of plans: more, ultra, and prime.
Unlimited sum insured restoration as an add-on.
Healthy living reward under wellness program.
No rent cap in the room rent in some versions.
Preexisting conditions covered more than 3 years.
Free annual health check-ups
Girl child, family and multi-year policy discounts.
The maximum age is 65 years, dependent children since the age of 3 months.
Sum-insured fixed at high amounts: Rs 10 lakh, 15 lakh, 20 lakh and 30 lakh.
Included second opinion coverage by medical.
Pre and post hospitalisation costs (60 and 90 days) covered.
Expenses that are covered by organ donors.
In-patient, ICU, day care and domiciliary hospitalisation covered.
No sub-cap on room rates, ICU bills or doctor charges.
Maternity benefit option after some waiting period.
Family floater involving self, spouse and dependent children.
Did you know? In India, hospitalisation makes up more than 71% of all health insurance cover utilised by families and costs have increased by 16% in urban regions between 2023 and early 2025, a major insurance regulator stated.
The two plans are lifelong renewable, a crucial feature as you age and you may develop some health problems.
The IRDAI rules permit portability among insurers. It can be seen that numerous customers in 2024 and 2025 have transferred their policies to Reliance or SBI with ease of transition and friendlier underwriting.
| Type of Cover | Reliance Health Gain | SBI Arogya Premium. |
|---|---|---|
| In-patient Treatment | Yes | Yes |
| Day Care Procedures | Yes, all | Yes, 141+ |
| Ambulance Cover | Up to 10,000 | Up to 5,000 |
| Maternity & Newborn | Add-on | Yes, after 9 months. |
| Wellness/OPD | Yes, add-on | Not available. |
| Organ Donor Expenses | Yes | Yes |
| Mental Health Coverage | Yes | No. |
| AYUSH Treatments | Yes | Yes |
Q: Does Reliance Health Gain Plan have maternity benefit as a matter-of-course?
A: No, this may be downloaded as an addition. It can be covered by some SBI Arogya Premier versions after waiting period.
The waiting periods in both plans are industry standard:
Preexisting disease: 3 (Reliance) and 4 (SBI) years.
First waiting time: 30 days of non-accidental hospitalisation in both.
Precise illnesses: 2 years (hernia, cataract, etc.)
Exclusions: Both plans do not cover cosmetic or weight loss surgeries or injuries resulting in hazardous activities and both are also subject to common insurance policy exclusions. The key takeaway here is that brochures should be read every two years to keep them up to date, referencing 2025, as there is never a guarantee of no new conditions, like COVID-19 after-effects or alterations to wellness riders.
Pros:
Broad sum insured with a maximum of Rs 3 crore.
Infinite restoration add-on facility.
Rather large cashless hospital network.
There are no restrictions on the number of rooms rented in higher variants.
Good family and long-term buyer deals.
Other wellness, OPD and daily allowance add-ons.
Cons:
The premiums are a little bit more expensive in large metro areas.
Base inclusions are not maternity and OPD add-ons.
Some of the optional covers have long waiting time.
Pros:
Options of high sum insured, which commence at 10 lakh.
No sub-capped rent of hospital rooms or visits to the doctor.
It is standard organ donor and medical second opinion cover.
Easy claims procedure with SBI trust factor.
Maternity benefit optional cover (including waiting)
Cons:
None of the direct add-on OPD or wellness options.
Relative higher base premium because of beginning sum insured.
Less cashless hospital network than Reliance.
According to analysts, claim experience, hospital reach and product flexibility are the factors that will determine health insurance loyalty in 2025. Online marketplaces also allow you to shop policies and see premiums, exclusions, and hospital lists all displayed together.
| Age (Person, Non-Smoker) | Reliance Health Gain (Rs 5 lakh SI) | SBI Arogya Premier (Rs 10 lakh SI) |
|---|---|---|
| 30 years | Rs 5,200/- | Rs 7,100/- |
| 40 years | Rs 6,800/- | Rs 9,400/- |
| 50 years | Rs 9,900/- | Rs 13,700/- |
| Family Floater 2A+2C | Rs 14,900/- (SI 10L) | Rs 25,300/- (SI 10L) |
Figures are annual premiums to refer to New Delhi, type of private ward room, 2025–actual will vary depending on the city, age and add-ons.
Direct discounts (up to 12 per cent on Reliance plans when buying online in 2025) are offered on family, multi-year policies and online purchases.
Case: Sharma Family (Delhi, 2025) Sharma family (husband 42, wife 39, children 12 and 8) had been comparing online policies. They desired maternity, large sum insured and good access to hospitals. Reliance Health Gain had a base premium of Rs 15,500 (Rs 10 lakh SI), which came with OD as an addition. SBI Arogya Premier was offering Rs 26,100 on 10 lakh SI, strong payment of claims and facilitated cashless access to hospitals within their vicinity.
The family selected Reliance, which includes maternity and wellness riders, as all the four large hospitals in a 10-km radius accepted their cashless card.
Online marketplace comparisons can be even quicker with IRDAI rules modified in 2025 where claims ratio in a breakdown, hospital network and user-review information are not biased to help save time and avoid mis-selling. Comparisons of 2-3 policies on third-party trusted platforms should be always made prior to application. It is the most effective method to compare sum insured options, renewal terms and additional benefits.
Q: Does SBI Arogya Premier online switch to Reliance Health Gain Plan?
A: Yes, it is possible to be renewable through digital platforms provided that you submit your application at least 45 days before.
Reliance Health Gain:
Restoration of sum insured unlimited.
OPD reimbursement on doctor consultations and medicines.
Everyday cash and critical illness hospital plans.
Wellness reward initiatives (discounts at the gym, pharmacy discounts etc)
SBI Arogya Premier:
Listed critical illnesses second opinion cover.
Maternity cover and newborn baby cover with waiting period.
Transplant cover as an included benefit.
Annual check-up of all insured members which is free.
Reliance Health Gain provides up to 100 percent increase in sum insured as No Claim Bonus (NCB) with cumulative bonus or super NCB riders.
SBI Arogya Premier is 10 percent NCB raise per year without claims, up to 100 percent.
Reliance plans have a higher restoration benefit (sum insured restored upon exhaustion) which is more flexible.
Until January 2025, Reliance General Insurance has integrated more than 8,700 hospitals into its cashless network with an urban and tier-2 city focus.
Arogya Premier of SBI General Insurance enjoys a good network of 6,000 plus ties, though smaller cities might lack these ties.
The two insurers have 24/7 client service, claim intimation through apps, and WhatsApp.
Did you know? In FY 2024-25, SBI General had a claim settlement ratio of more than 95 percent on the retail health claims, and Reliance Health Gain registered similar ratios according to the publicly available IRDAI filings.
Start use of portability at least 45 days prior to policy expiry.
Make sure that there is no gap in coverage so that the time spent waiting is not repeated.
Send proposal, documents and renewal request online and they are processed faster.
In 2025, a majority of renewals may be made via an OTP on insurer web portals or applications.
Q: Do I have to be covered immediately after porting with pre-existing diseases?
A: Waiting period-PEDs-Waiting period of PEDs will not go away; it will not go away at the expiry of the previous years provided that there is no coverage break.
Base your choice on:
The sum insured that is required in your city.
Familial organization: floater or individual.
Hospital network proximity
Wellness, OPD or add-on cover requirements.
High quality at a low cost.
Look at the latest guidelines and premium calculators in 2025, and get sample policy wordings before purchasing.
Reliance Health Gain Plan is very flexible, has a superior sum insured, unlimited restoration, complete network and add-on wellness covers. Applicable to the metro, techno savvy young families and those that demand individualisation.
SBI Arogya Premier Plan is distinguished by high coverage consistency, good hospital cashless arrangements, simplified claims, and simple policy structure. Ideal when people are loyal to national brands and have higher budget segments.
Compare premiums, features and exclusions on a trusted digital platform and then purchase. The two plans are good, but they apply to different priorities and lifestyles.
Reliance health gain plan would suit the maximum sum insured, unlimited restoration and addition OPD and wellness. Simple high cover, hassle-free access to the hospital, and simple claim make SBI Arogya Premier Plan the right candidate. Both have life-long renewals, as well as powerful family and individual features. Always find the best new offer and network coverage in 2025 online.
Q: Is it possible to have a combination of Reliance Health Gain and SBI Arogya Premium? A: Yes, but one has to organize claims. Do not overlap except when you require increased cumulative coverage.
Q What are the better plans in 2025 among seniors? A: Reliance has options that are senior citizen friendly and can be entered up to 65 years. Check premium variance of 61 plus age group.
Q: Is it a full cover maternity and OPD? B: The two plans offer them as wait period optional covers or add-ons. Review add-on costs.
Q: I want to know how to verify that my insurer is on the cashless hospital list. A: Go to the website of the insurer or online comparison platforms to find out the current list of hospitals in your city.
Q: What will be done in the event of delay/rejection of my claim? A: The two insurers have grievance redressal cells. Document everything, go online or go to the insurance ombudsman when nothing can be done.
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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