Key facts
What the official sources publish
Every value belongs to this exact product. Expand any fact to inspect its official evidence in place.
InsurerSBI General Insurance Company LimitedView source
General's official catalogue groups these products under Health, Motor and Other Insurance and identifies General as the insurer.
- Source
- General products
- Page / section
- General Products catalogue
- Accessed
- 23 Aug 2026
- Confidence
- high
Insurance typeHealth insuranceView source
identifies Sampoorna Arogya as an insurance policy distributed through .
- Source
- Annual Report 2023-24
- Page / section
- Digital retail highlights
- Accessed
- 21 Aug 2026
- Confidence
- medium
Distribution channelYONOView source
Bachat experience groups insurance products, including health insurance offerings, in the insurance section.
- Source
- Bachat
- Page / section
- Insurance products
- Accessed
- 21 Aug 2026
- Confidence
- medium
Insurer and UINSBI General Insurance Company Limited; IRDAI registration 144; UIN SBIHLGP21605V012021.View source
General Insurance Company Limited; registration 144; SBIHLGP21605V012021.
- Source
- Sampoorna Arogya - Group Policy Wording
- Page / section
- Policy footer
- Accessed
- 21 Aug 2026
- Confidence
- high
Policy typeGroup health insurance with hospitalization, critical illness, hospital daily cash and personal accident sections; groups and eligible members/employees may enroll family members.View source
Group health insurance with hospitalization, critical illness, hospital daily cash and personal accident sections; groups and eligible members/employees may enroll family members.
- Source
- Sampoorna Arogya Group Prospectus
- Page / section
- Who can buy / scope of cover
- Accessed
- 21 Aug 2026
- Confidence
- high
Entry ages by sectionAdults: 18–65 for hospitalization, critical illness, hospital daily cash and personal accident. Children: hospitalization and hospital daily cash from 91 days/ 1 day to 25 years; critical illness 18–25; personal accident 5–25.View source
Adults: 18–65 for hospitalization, critical illness, hospital daily cash and personal accident. Children: hospitalization and hospital daily cash from 91 days/1 day to 25 years; critical illness 18–25; personal accident 5–25.
- Source
- Sampoorna Arogya Group Prospectus
- Page / section
- Age criteria
- Accessed
- 21 Aug 2026
- Confidence
- high
RenewalThe prospectus states that the policy can be renewed for lifetime, subject to the product remaining available and policy conditions.View source
The prospectus states that the policy can be renewed for lifetime, subject to the product remaining available and policy conditions.
- Source
- Sampoorna Arogya Group Prospectus
- Page / section
- Who can buy / renewal
- Accessed
- 21 Aug 2026
- Confidence
- high
Hospitalization base coverMedically necessary hospitalization for illness or injury during the policy period, subject to schedule sum insured, limits, deductibles and co-payments.View source
Medically necessary hospitalization for illness or injury during the policy period, subject to schedule sum insured, limits, deductibles and co-payments.
- Source
- Sampoorna Arogya Group Prospectus
- Page / section
- Section I, Hospitalization cover
- Accessed
- 21 Aug 2026
- Confidence
- high
Hospitalization expense headsRoom rent/boarding/nursing, ICU, practitioner and specialist fees including teleconsultation, anaesthesia, blood, oxygen, operation theatre, surgical appliances, medicines/drugs/consumables, diagnostics, and internally implanted prosthetic devices.View source
Room rent/boarding/nursing, , practitioner and specialist fees including teleconsultation, anaesthesia, blood, oxygen, operation theatre, surgical appliances, medicines/drugs/consumables, diagnostics, and internally implanted prosthetic devices.
- Source
- Sampoorna Arogya - Group Policy Wording
- Page / section
- Section I.A.1, Hospitalization medical expenses
- Accessed
- 21 Aug 2026
- Confidence
- high
Room and ICU limitsRoom rent, boarding and nursing charges are limited to 2% of sum insured; ICU charges to 4% of sum insured, subject to the schedule and proportionate-deduction rules.View source
Room rent, boarding and nursing charges are limited to 2% of sum insured; charges to 4% of sum insured, subject to the schedule and proportionate-deduction rules.
- Source
- Sampoorna Arogya - Group Policy Wording
- Page / section
- Section I.A.1
- Accessed
- 21 Aug 2026
- Confidence
- high
Pre/post-hospitalizationPre- and post-hospitalization medical expenses for the same admissible condition are covered within the schedule limits; exact periods are policy-schedule dependent.View source
Pre- and post-hospitalization medical expenses for the same admissible condition are covered within the schedule limits; exact periods are policy-schedule dependent.
- Source
- Sampoorna Arogya Group Prospectus
- Page / section
- Section I.A.2 and I.A.3
- Accessed
- 21 Aug 2026
- Confidence
- high
Day-care treatmentMedically necessary listed day-care procedures are covered when the person is admitted for less than 24 hours, subject to the annexure and schedule.View source
Medically necessary listed day-care procedures are covered when the person is admitted for less than 24 hours, subject to the annexure and schedule.
- Source
- Sampoorna Arogya Group Prospectus
- Page / section
- Section I.A.4
- Accessed
- 21 Aug 2026
- Confidence
- high
Domiciliary hospitalizationDomiciliary hospitalization is available where the policy conditions and schedule permit, with expenses subject to the applicable medical-necessity and home-treatment requirements.View source
Domiciliary hospitalization is available where the policy conditions and schedule permit, with expenses subject to the applicable medical-necessity and home-treatment requirements.
- Source
- Sampoorna Arogya Group Prospectus
- Page / section
- Section I.A.5
- Accessed
- 21 Aug 2026
- Confidence
- high
Organ donor expensesFor an admissible recipient hospitalization, donor harvesting hospitalization expenses are covered up to 50% of sum insured for sum-insured options of ₹6,00,000 and above; screening, acquisition, transport/ preservation and unrelated complications are excluded.View source
For an admissible recipient hospitalization, donor harvesting hospitalization expenses are covered up to 50% of sum insured for sum-insured options of ₹6,00,000 and above; screening, acquisition, transport/preservation and unrelated complications are excluded.
- Source
- Sampoorna Arogya - Group Policy Wording
- Page / section
- Section I.A.9, Organ donor expenses
- Accessed
- 21 Aug 2026
- Confidence
- high
Reinstatement of sum insuredThe policy can reinstate sum insured for subsequent claims once per policy period under the stated conditions; it cannot be used for the illness/injury/accident for which a current-year hospitalization claim was lodged.View source
The policy can reinstate sum insured for subsequent claims once per policy period under the stated conditions; it cannot be used for the illness/injury/accident for which a current-year hospitalization claim was lodged.
- Source
- Sampoorna Arogya - Group Policy Wording
- Page / section
- Section I.A.10
- Accessed
- 21 Aug 2026
- Confidence
- high
Maternity and newborn coverOptional maternity expenses cover is available for sum-insured options of ₹6,00,000 and above, only under family floater plans with at least two members and not independently of maternity cover; newborn vaccination up to 90 days is capped at ₹2,500 and a newborn beyond 90 days may be added on payment of premium.View source
Optional maternity expenses cover is available for sum-insured options of ₹6,00,000 and above, only under family floater plans with at least two members and not independently of maternity cover; newborn vaccination up to 90 days is capped at ₹2,500 and a newborn beyond 90 days may be added on payment of premium.
- Source
- Sampoorna Arogya - Group Policy Wording
- Page / section
- Section I.B.2, Maternity and newborn
- Accessed
- 21 Aug 2026
- Confidence
- high
Outpatient expensesOptional outpatient expenses are reimbursed up to 1% of sum insured, subject to the policy schedule and conditions.View source
Optional outpatient expenses are reimbursed up to 1% of sum insured, subject to the policy schedule and conditions.
- Source
- Sampoorna Arogya - Group Policy Wording
- Page / section
- Section I.B.3, Outpatient expenses
- Accessed
- 21 Aug 2026
- Confidence
- high
Voluntary co-paymentA schedule-selected voluntary co-payment applies to each admissible claim after deductible/ excess for hospitalization sections I.A.1, I.A.2, I.A.3 and I.A.5, and cannot be removed at later renewal.View source
A schedule-selected voluntary co-payment applies to each admissible claim after deductible/excess for hospitalization sections I.A.1, I.A.2, I.A.3 and I.A.5, and cannot be removed at later renewal.
- Source
- Sampoorna Arogya Group Prospectus
- Page / section
- Section I.B.5
- Accessed
- 21 Aug 2026
- Confidence
- high
Non-network hospitalization co-paymentA schedule-selected co-payment applies to each admissible claim at non-network hospitals for the same hospitalization sections; if both options are selected, voluntary co-pay applies first.View source
A schedule-selected co-payment applies to each admissible claim at non-network hospitals for the same hospitalization sections; if both options are selected, voluntary co-pay applies first.
- Source
- Sampoorna Arogya Group Prospectus
- Page / section
- Section I.B.6
- Accessed
- 21 Aug 2026
- Confidence
- high
Critical illness benefitOn first diagnosis/ manifestation during the policy period, the schedule critical-illness sum insured is paid if the insured survives at least 28 days; the section terminates for that person after the first admitted claim and is individual-basis only.View source
On first diagnosis/manifestation during the policy period, the schedule critical-illness sum insured is paid if the insured survives at least 28 days; the section terminates for that person after the first admitted claim and is individual-basis only.
- Source
- Sampoorna Arogya Group Prospectus
- Page / section
- Section II.A
- Accessed
- 21 Aug 2026
- Confidence
- high
Critical illness waiting periodCritical-illness signs or symptoms must first commence at least 90 days after the policy period starts.View source
Critical-illness signs or symptoms must first commence at least 90 days after the policy period starts.
- Source
- Sampoorna Arogya Group Prospectus
- Page / section
- Section II.A
- Accessed
- 21 Aug 2026
- Confidence
- high
Critical illness listCovered definitions include cancer of specified severity, first heart attack of specified severity, open-chest CABG, open-heart valve replacement/repair, coma of specified severity, kidney failure requiring regular dialysis, stroke with permanent symptoms, major organ/bone-marrow transplant, permanent paralysis of limbs, multiple sclerosis with persisting symptoms, blindness, primary idiopathic pulmonary hypertension, aorta graft surgery, benign brain tumour and motor neurone disease with permanent symptoms.View source
Covered definitions include cancer of specified severity, first heart attack of specified severity, open-chest CABG, open-heart valve replacement/repair, coma of specified severity, kidney failure requiring regular dialysis, stroke with permanent symptoms, major organ/bone-marrow transplant, permanent paralysis of limbs, multiple sclerosis with persisting symptoms, blindness, primary idiopathic pulmonary hypertension, aorta graft surgery, benign brain tumour and motor neurone disease with permanent symptoms.
- Source
- Sampoorna Arogya Group Prospectus
- Page / section
- Section II, list of critical illnesses
- Accessed
- 21 Aug 2026
- Confidence
- high
Sickness hospital cashDaily hospital cash is payable for medically necessary inpatient treatment of an illness occurring during the policy period.View source
Daily hospital cash is payable for medically necessary inpatient treatment of an illness occurring during the policy period.
- Source
- Sampoorna Arogya Group Prospectus
- Page / section
- Section III.A.1
- Accessed
- 21 Aug 2026
- Confidence
- high
Accident hospital cashFor medically necessary accident hospitalization, the daily cash benefit is paid at 2 times the daily hospital cash amount.View source
For medically necessary accident hospitalization, the daily cash benefit is paid at 2 times the daily hospital cash amount.
- Source
- Sampoorna Arogya Group Prospectus
- Page / section
- Section III.A.2
- Accessed
- 21 Aug 2026
- Confidence
- high
ICU cashICU hospitalization pays 3 times the daily hospital cash benefit, limited to 15 aggregate days per insured person per policy year; ICU cash replaces the ordinary sickness/ accident cash for the same days.View source
hospitalization pays 3 times the daily hospital cash benefit, limited to 15 aggregate days per insured person per policy year; cash replaces the ordinary sickness/accident cash for the same days.
- Source
- Sampoorna Arogya Group Prospectus
- Page / section
- Section III.A.3
- Accessed
- 21 Aug 2026
- Confidence
- high
Convalescence benefitHospitalization continuing for at least 10 consecutive days qualifies for a lump sum equal to 5 times the daily hospital cash benefit, once per insured person per policy period.View source
Hospitalization continuing for at least 10 consecutive days qualifies for a lump sum equal to 5 times the daily hospital cash benefit, once per insured person per policy period.
- Source
- Sampoorna Arogya Group Prospectus
- Page / section
- Section III.A.4
- Accessed
- 21 Aug 2026
- Confidence
- high
Compassionate benefitIf an insured person is hospitalized over 24 hours for an accident injury and dies during that hospitalization, the nominee receives 10 times the daily hospital cash benefit, subject to the accident-hospital-cash claim being admissible.View source
If an insured person is hospitalized over 24 hours for an accident injury and dies during that hospitalization, the nominee receives 10 times the daily hospital cash benefit, subject to the accident-hospital-cash claim being admissible.
- Source
- Sampoorna Arogya Group Prospectus
- Page / section
- Section III.A.5
- Accessed
- 21 Aug 2026
- Confidence
- high
Day-care cash benefitFor listed day-care treatment under 24 hours, the lower of 5 times daily hospital cash or ₹10,000 is paid, with a maximum of 2 day-care treatments per insured person per policy period.View source
For listed day-care treatment under 24 hours, the lower of 5 times daily hospital cash or ₹10,000 is paid, with a maximum of 2 day-care treatments per insured person per policy period.
- Source
- Sampoorna Arogya Group Prospectus
- Page / section
- Section III.A.6
- Accessed
- 21 Aug 2026
- Confidence
- high
Personal accident deathAccidental death pays the scheduled sum insured when an injury from an accident during the policy period causes death within 365 days.View source
Accidental death pays the scheduled sum insured when an injury from an accident during the policy period causes death within 365 days.
- Source
- Sampoorna Arogya Group Prospectus
- Page / section
- Section IV.A.1
- Accessed
- 21 Aug 2026
- Confidence
- high
Personal accident permanent total disabilityPTD pays the scheduled percentage of sum insured for listed losses when injury causes disablement within 12 months; the table includes 100% for both hands/ feet, both eyes, hand plus foot, hand/ foot plus one eye, and speech plus hearing in both ears; 50% for one hand/ foot, one eye, or speech/ hearing in both ears; and 25% for hearing in one ear and thumb/ index finger of the same hand.View source
pays the scheduled percentage of sum insured for listed losses when injury causes disablement within 12 months; the table includes 100% for both hands/feet, both eyes, hand plus foot, hand/ foot plus one eye, and speech plus hearing in both ears; 50% for one hand/ foot, one eye, or speech/ hearing in both ears; and 25% for hearing in one ear and thumb/ index finger of the same hand.
- Source
- Sampoorna Arogya Group Prospectus
- Page / section
- Section IV.A.2, table of benefits
- Accessed
- 21 Aug 2026
- Confidence
- high
Health waiting periodsPre-existing disease expenses are excluded for 36 months of continuous coverage (with portability credit); specified diseases/ procedures have a 12-month waiting period, waived for accidents and reduced by prior continuous coverage. Personal accident is excluded from these waiting periods.View source
Pre-existing disease expenses are excluded for 36 months of continuous coverage (with portability credit); specified diseases/procedures have a 12-month waiting period, waived for accidents and reduced by prior continuous coverage. Personal accident is excluded from these waiting periods.
- Source
- Sampoorna Arogya - Group Policy Wording
- Page / section
- Waiting periods
- Accessed
- 21 Aug 2026
- Confidence
- high
12-month specified diseasesThe wording lists gastric/ duodenal ulcers; tonsillectomy, adenoidectomy, mastoidectomy and tympanoplasty; internal/ external tumours, cysts, nodules, polyps including breast lumps; and hernia/ hydrocele among 12-month exclusions.View source
The wording lists gastric/duodenal ulcers; tonsillectomy, adenoidectomy, mastoidectomy and tympanoplasty; internal/ external tumours, cysts, nodules, polyps including breast lumps; and hernia/ hydrocele among 12-month exclusions.
- Source
- Sampoorna Arogya - Group Policy Wording
- Page / section
- Waiting periods, specified diseases
- Accessed
- 21 Aug 2026
- Confidence
- high
Grace periodPremium grace is 15 days for monthly mode and 30 days for other modes; for renewal, coverage is not available during the grace period.View source
Premium grace is 15 days for monthly mode and 30 days for other modes; for renewal, coverage is not available during the grace period.
- Source
- Sampoorna Arogya - Group Policy Wording
- Page / section
- Definitions and renewal
- Accessed
- 21 Aug 2026
- Confidence
- high
Claim settlement timelineThe insurer settles or rejects a claim within 30 days after receiving the last necessary document; if investigation is required, the investigation and decision follow the stated regulatory timeline, with 2% above bank-rate interest for stipulated delays.View source
The insurer settles or rejects a claim within 30 days after receiving the last necessary document; if investigation is required, the investigation and decision follow the stated regulatory timeline, with 2% above bank-rate interest for stipulated delays.
- Source
- Sampoorna Arogya - Group Policy Wording
- Page / section
- Claims and interest
- Accessed
- 21 Aug 2026
- Confidence
- high
Claim reportingA claim notified 12 calendar months after the event is not admissible unless the delay was beyond the insured person’s control; shortfall documents and rejection representations have the policy timelines, including 15 days to represent a rejection.View source
A claim notified 12 calendar months after the event is not admissible unless the delay was beyond the insured person’s control; shortfall documents and rejection representations have the policy timelines, including 15 days to represent a rejection.
- Source
- Sampoorna Arogya - Group Policy Wording
- Page / section
- Claims and disclaimer/rejection
- Accessed
- 21 Aug 2026
- Confidence
- high
Cashless processCashless hospitalization is available at network providers using the health card and valid photo ID; planned admission should be approached at least 48 hours before admission, while emergency authorization is sent within 24 hours of admission or before discharge.View source
Cashless hospitalization is available at network providers using the health card and valid photo ; planned admission should be approached at least 48 hours before admission, while emergency authorization is sent within 24 hours of admission or before discharge.
- Source
- Sampoorna Arogya Group Prospectus
- Page / section
- Cashless process
- Accessed
- 21 Aug 2026
- Confidence
- high
Claim documentsIndicative documents include signed claim form, discharge summary, original hospital bill and break-up, pharmacy bills, consultation papers, investigation reports/images, MLC/FIR where applicable, original invoices, post-mortem report, disability certificate and attending-physician certificate as relevant to the section.View source
Indicative documents include signed claim form, discharge summary, original hospital bill and break-up, pharmacy bills, consultation papers, investigation reports/images, MLC/ where applicable, original invoices, post-mortem report, disability certificate and attending-physician certificate as relevant to the section.
- Source
- Sampoorna Arogya Group Prospectus
- Page / section
- Claim documents table
- Accessed
- 21 Aug 2026
- Confidence
- high
Cancellation and free lookThe policyholder may cancel with 7 days’ written notice; proportionate unexpired premium is refunded when conditions are met and there is no claim. Insurer cancellation for misrepresentation, non-disclosure or fraud uses 15 days’ notice without premium refund. The prospectus also describes a 30-day free-look for new individual health policies of at least one year.View source
The policyholder may cancel with 7 days’ written notice; proportionate unexpired premium is refunded when conditions are met and there is no claim. Insurer cancellation for misrepresentation, non-disclosure or fraud uses 15 days’ notice without premium refund. The prospectus also describes a 30-day free-look for new individual health policies of at least one year.
- Source
- Sampoorna Arogya Group Prospectus
- Page / section
- Cancellation and free-look
- Accessed
- 21 Aug 2026
- Confidence
- high
PortabilityThe insured can port the policy with all family members, applying at least 45 days before but not earlier than 60 days before renewal, subject to IRDAI rules and transfer of eligible continuity credits.View source
The insured can port the policy with all family members, applying at least 45 days before but not earlier than 60 days before renewal, subject to rules and transfer of eligible continuity credits.
- Source
- Sampoorna Arogya - Group Policy Wording
- Page / section
- Renewal and portability
- Accessed
- 21 Aug 2026
- Confidence
- high
Material exclusionsThe policy excludes or limits non-medically-necessary care, non-listed or experimental treatment, cosmetic procedures except covered accident reconstruction, treatment outside policy terms, and other exclusions and room-charge sub-items listed in the wording and annexures; schedule and certificate terms control.View source
The policy excludes or limits non-medically-necessary care, non-listed or experimental treatment, cosmetic procedures except covered accident reconstruction, treatment outside policy terms, and other exclusions and room-charge sub-items listed in the wording and annexures; schedule and certificate terms control.
- Source
- Sampoorna Arogya Group Prospectus
- Page / section
- Exclusions and annexures
- Accessed
- 21 Aug 2026
- Confidence
- high
Entry age by coverAdults 18–65 years. Children: hospitalisation and hospital daily cash from 91 days/ 1 day to 25 years; critical illness 18–25 years; personal accident from 5 years.View source
The official prospectus separates adult and child entry ages for each cover section.
- Source
- Sampoorna Arogya Group Prospectus
- Page / section
- Page 1 — Age Criteria
- Accessed
- 24 Aug 2026
- Confidence
- high
Waiting periods30 days for general illness; 90 days for hypertension, heart disease, diabetes and related complications; 12 months for specified diseases/ procedures; 36 months for pre-existing diseases. Optional maternity requires 24 months; critical-illness signs or symptoms must first commence at least 90 days after policy start.View source
The complete wording publishes separate initial, condition-specific, pre-existing, maternity and critical-illness waits; accident claims are excluded from the initial and specified-condition waits where stated.
- Source
- Sampoorna Arogya - Group Policy Wording
- Page / section
- Waiting Periods; optional maternity and critical-illness sections
- Accessed
- 24 Aug 2026
- Confidence
- high
Core and optional coverageGroup health cover can include inpatient hospitalisation, pre/post-hospitalisation, day care, domiciliary care, AYUSH, organ donor, reinstatement, genetic/internal congenital conditions, HIV/AIDS and advanced treatments. Optional covers include maternity/newborn, outpatient, aggregate deductible, co-pay, critical illness, hospital cash and personal accident; schedule-selected limits apply.View source
The prospectus enumerates the base and optional sections; several benefits require ₹6 lakh or higher cover and all monetary limits are controlled by the group schedule.
- Source
- Sampoorna Arogya Group Prospectus
- Page / section
- Sections I–IV — Scope of Cover
- Accessed
- 24 Aug 2026
- Confidence
- high
Key exclusions and cost sharingThe wording excludes or limits diagnostic-only admissions, rest/rehabilitation, non-qualifying obesity treatment, cosmetic treatment except covered reconstruction, professional adventure sports, criminal-law breaches, excluded providers, substance abuse, unproven treatment, infertility, maternity unless selected, treatment outside India, most dental/external aids and schedule deductibles or co-pay. Higher-than-eligible room choice can proportionately reduce related charges.View source
This is a concise comparison summary of the material exclusions and cost-sharing mechanics; the full source-linked facts retain the complete list.
- Source
- Sampoorna Arogya - Group Policy Wording
- Page / section
- Exclusions and Section I.A.1 room-category rule
- Accessed
- 24 Aug 2026
- Confidence
- high
Sum insured / coverThe official Sampoorna Arogya Group brochure lists plan-specific base sum-insured choices: Standard ₹1 lakh, ₹2 lakh, ₹3 lakh, ₹4 lakh or ₹5 lakh; Classic ₹2 lakh, ₹3 lakh, ₹4 lakh or ₹5 lakh; Super ₹2 lakh, ₹3 lakh, ₹4 lakh or ₹5 lakh; Ultra ₹6 lakh, ₹7 lakh, ₹8 lakh, ₹9 lakh or ₹10 lakh.View source
The brochure's Available Plans table lists the Standard, Classic, Super and Ultra sum-insured choices; the base sum insured is recorded separately from each cover's schedule limits.
- Source
- Sampoorna Arogya - Group brochure
- Page / section
- Available Plans — Sum Insured
- Accessed
- 28 Aug 2026
- Confidence
- high
PremiumPublished rate-chart premiums vary by age band, base sum insured and family/floater combination. Separate tables also price optional maternity/newborn, hospital daily cash, critical-illness and personal-accident benefits; listed amounts are stated excluding GST unless the table says otherwise.View source
The rate chart provides age-, sum-insured- and family-combination tables rather than one universal premium. The canonical product already preserves the detailed premium tables; this fact exposes the pricing basis in the comparison field.
- Source
- Sampoorna Arogya Group — premium rate chart
- Page / section
- Pages 4 and 18–19 — base and optional-cover premiums
- Accessed
- 29 Aug 2026
- Confidence
- high
Policy termNo single fixed duration is published in the reviewed prospectus or policy wording; the certificate or schedule sets the policy period. The prospectus states that the policy can be renewed for lifetime, subject to the product remaining available and policy conditions.View source
The prospectus states that eligible members aged 18–65 and their families may be enrolled and that the policy can be renewed for lifetime; it refers to the policy period and schedule for the applicable cover period.
- Source
- Sampoorna Arogya Group — Prospectus
- Page / section
- Page 1 — Who can buy, age criteria and renewal
- Accessed
- 29 Aug 2026
- Confidence
- high
Published premium chartSBI General publishes age-, cover- and floater-combination-based premiums in the Sampoorna Arogya rate chart. Hospitalization, optional maternity/newborn covers, hospital daily cash, critical illness and personal accident premiums are shown excluding GST unless the table says otherwise.View source
The official rate chart publishes gross premium tables for the listed benefits, with excluded as marked in the tables.
- Source
- Sampoorna Arogya - Group rate chart
- Page / section
- Pages 4 and 18-19 - Optional covers, hospital daily cash, critical illness and personal accident
- Accessed
- 24 Aug 2026
- Confidence
- high
Hospital daily-cash premiumThe rate chart gives separate 30-day, 60-day and 90-day gross-premium tables by age band and selected daily benefit from ₹500 to ₹5,000; the published values exclude GST.View source
Gross Premium for 30 days Plan, 60 days Plan and 90 days Plan (Excl ), with benefit per day options from 500 to 5000.
- Source
- Sampoorna Arogya - Group rate chart
- Page / section
- Page 18 - D. Hospital Daily Cash
- Accessed
- 24 Aug 2026
- Confidence
- high
Critical-illness premiumThe rate chart gives critical-illness gross premiums by age band for sum insured from ₹1,00,000 to ₹10,00,000; the published premium excludes GST.View source
Critical Illness Gross Premium (Exclusive of ) is shown for age bands 18-35 through 80+ and sum insured 100000 through 1000000.
- Source
- Sampoorna Arogya - Group rate chart
- Page / section
- Page 18 - E. Critical Illness
- Accessed
- 24 Aug 2026
- Confidence
- high
Personal-accident premiumThe rate chart lists personal-accident premiums excluding GST for sum insured from ₹1,00,000 through ₹20,00,000.View source
The Personal Accident table lists sum insured and premium (Excl ), continuing from ₹1,00,000 to ₹20,00,000.
- Source
- Sampoorna Arogya - Group rate chart
- Page / section
- Pages 18-19 - F. Personal Accident
- Accessed
- 24 Aug 2026
- Confidence
- high
Group enrollment formThe February 2026 group proposal form accommodates up to six insured people, with a nominee recorded for each insured person and appointee details where a nominee is a minor.View source
The insured-person table has columns for Insured 1 through Insured 6. The form says to provide appointee details if a nominee is a minor.
- Source
- Sampoorna Arogya - Group Enrollment Form, Version 1.0 February 2026
- Page / section
- Pages 1-3: Details of Persons to be Insured, Nominee Details and Appointee Details
- Accessed
- 8 Oct 2026
- Confidence
- high
Premium payment optionsThe proposal form lists cheque, EFT, demand draft, debit card and credit card as payment options; SBI General states it does not accept cash for premium payments. The form's premium-amount field is blank for completion and is not a price quote.View source
The form lists Cheque, EFT, , Debit Card and Credit Card, and states that cash is not accepted.
- Source
- Sampoorna Arogya - Group Enrollment Form, Version 1.0 February 2026
- Page / section
- Page 3: Premium Payment and Bank Account Details
- Accessed
- 8 Oct 2026
- Confidence
- high
Proposal assessment and start of coverThe form says proposal details are subject to the insurer's board-approved underwriting policy and the policy comes into force only after the proposal is accepted and the full premium is paid. It asks the proposer to report changes in occupation or general health before risk acceptance.View source
Declarations 2-3: information is subject to the board-approved underwriting policy; cover starts only after full premium payment, and occupation or health changes must be notified before acceptance.
- Source
- Sampoorna Arogya - Group Enrollment Form, Version 1.0 February 2026
- Page / section
- Page 5: Declarations on behalf of all persons proposed to be insured
- Accessed
- 8 Oct 2026
- Confidence
- high
Medical and KYC documents noted on the formFor a declared illness or accidental injury, the form requests details and relevant medical-practitioner reports, if any. It directs applicants to SBI General's online list of KYC officially valid documents rather than reproducing that list; a recent proposer photograph is required if the customer has no CKYC ID.View source
The form asks for relevant medical reports if supplied illness information is Yes; it points to the website's OVD list and says a photograph is required if is unavailable.
- Source
- Sampoorna Arogya - Group Enrollment Form, Version 1.0 February 2026
- Page / section
- Pages 3-5: Medical and Lifestyle Information, /, and proposer photograph
- Accessed
- 8 Oct 2026
- Confidence
- high
SBI distribution roleThe form identifies SBI General Insurance and State Bank of India as separate legal entities and states SBI acts as a corporate agent for sourcing insurance products. Intermediary details are marked mandatory only when the selected sales-channel type is Banca.View source
The form says General and are separate legal entities, and is the company's corporate agent for sourcing insurance products.
- Source
- Sampoorna Arogya - Group Enrollment Form, Version 1.0 February 2026
- Page / section
- Page 1: Intermediary Details; disclaimer on pages 1-6
- Accessed
- 8 Oct 2026
- Confidence
- high
Geographic limitsGroup health cover can include inpatient hospitalisation, pre/post-hospitalisation, day care, domiciliary care, AYUSH, organ donor, reinstatement, genetic/internal congenital conditions, HIV/AIDS and advanced treatments. Optional covers include maternity/newborn, outpatient, aggregate deductible, co-pay, critical illness, hospital cash and personal accident; schedule-selected limits apply.View source
The manually reviewed product record states: “Group health cover can include inpatient hospitalisation, pre/post-hospitalisation, day care, domiciliary care, , organ donor, reinstatement, genetic/internal congenital conditions, / and advanced treatments. Optional covers include maternity/newborn, outpatient, aggregate deductible, co-pay, critical illness, hospital cash and personal accident; schedule-selected limits apply.”.
- Source
- General Sampoorna Arogya — official product page
- Page / section
- Published product metadata
- Accessed
- 21 Aug 2026
- Confidence
- high
Benefits and features
- Hospitalization expenses
- Critical illness lump sum
- Hospital daily cash
- Personal accident death and
- Optional maternity, newborn, outpatient and organ-donor covers
- Cashless network hospitalization
Eligibility
- Group policy for eligible groups and members/employees
- Adult entry 18–65
- Children’s entry ages vary by section
- Lifetime renewal described in prospectus
- Schedule controls sum insured, deductibles, co-pay and benefit limits
Passing a listed condition does not mean the bank will approve an application.
Documents the bank lists
- Signed claim form
- Discharge summary
- Original hospital bill and break-up
- Pharmacy bills
- Consultation papers and investigation reports or images
- MLC or , where applicable
- Original invoices
- Post-mortem report, disability certificate and attending-physician certificate, where relevant



