Arogya Supreme Individual
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Arogya Supreme is a solution for all you healthcare needs. It covers 20 basic covers and 8 optional covers so you dont have to worry about medical treatments and expenses.


  • Age Criteria & Eligibility Adult 18 Yrs-65 Yrs |Child 91 Days 25 Yrs.
  • Family Includes Self, Spouse, Dependent Children, Dependent Parents Or Dependent Parentsin-Law.
  • 5% Family discount For 2 Or More Adult Members (For Individual Policy)
  • Zone 1 – Mumbai & Mmr/Pune/Ahmadabad/Delhi & Ncr/ Kolkata/ Chennai/ Bangalore / Hyderabad | Zone 2 - Rest Of India
  • Pro, Plus, Premium Plans available
  • Mental Healthcare is covered
  • Multi Year Discount 2 Years Policy: 4%, 3 Years Policy: 6%
  • Accidental Hospitalization Optional Cover On Payment Of Extra Premium . Pays Additional 1.5 Times, Or 2 Times Of Base Sum Insured Towards Medical Expenses Incurred For In- Patient Hospitalization Treatment As Given In Section C.1
Title Description
Additional Cover for Critical Illness Optional cover on payment of extra premium
Ambulance Expenses Road ambulance is covered. Air ambulance is covered
Automatic Restoration of Sum Insured 100% refill of Sum insured on exhaustion of existing Policy Sum Insured including Cumulative Bonus or Enhanced Cumulative Bonus (if applicable) during the Policy Year
Co-Payment Optional 10% Co-Pay: 15% discount on premium | 20% Co-Pay: 30% discount on premium
Daily Hospitalization Allowance Optional cover on payment of extra premium (From Rs 500/ day max 5 days, up to Rs 5000/ day max 45 days
Day Care Procedure Coverage Covered
Donor Expenses Expenses covered towards organ donor’s Hospitalization for harvesting of the donated organ where an Insured Person is the recipient, provided that;
Free Health Checkup Available on renewal irrespective of claims made under the Policy.
ICU Daily Rent Limit 2% of the base Sum Insured (excluding cumulative / enhanced cumulative bonus) OR up to actual ICU/ICCU expenses as provided by Hospital or At actual up to Sum Insured
Minimum Hospitalization Period 24 hours
No Claim Bonus Cumulative Bonus of 15 of SI if there was no claim during previous policy year. Cumulative bonus will be reduced at the rate of 15% in the event of claim. | Enhanced CB On payment of extra premium CB will stand modified by 25% or 50% max up to 200%
Non-Allopathic Treatments Coveres Medical Expenses up to the Sum Insured as specified in the Policy Schedule, as listed under A.1 on Your Hospitalization in Hospital or AYUSH Hospital or AYUSH Day Care Centre
Nursing Allowance Nursing Expenses as provided by the Hospital
Post Hospitalization Expenses Pro:60 days| Plus:90 days |Premium: 180days
Pre-Existing Disease / Illness coverage Covered after 48 months of continuous coverage
Pre-Hospitalization Expenses Pro:30 Days | Plus / Premium: 60 days
Room Rent Limit 1% of base Sum Insured (excluding cumulative / enhanced cumulative bonus) or Single private Air-Conditioned room or At actuals up to Sum Insured
Waiting Period for New Policy 30 days