How does the waiting period affect my coverage?

The plan has a 30-day initial waiting period, 12 months for specific diseases, and 48 months for pre-existing conditions.

What if I don’t use my health insurance benefits for the entire year?

If no claims are made, coverage continues without interruption, but no-claim bonuses or additional benefits may not be applicable.

Does the Arogya Plus Variant 1 plan cover treatment abroad?

The plan only covers medical treatments within India and does not provide international coverage under its standard policy terms.

. How does the age parameter affect the recurring premium layout configuration under this policy?

The policy incorporates a unique pricing structure that guarantees a fixed premium layout regardless of the age of the insured person, ensuring stable long-term financial commitments for individual or family enrollment configurations.

What specific pricing incentives are granted to applicants who select multi-year protection layouts?

The plan rewards policyholders by applying a built-in premium discount if you select a continuous policy tenure of 2 years or 3 years at the time of initial purchase.

OneAssure

Health Insurance

SBI

Arogya Plus Variant One

SBI General Arogya Plus Plan

Experience India's most trusted health insurance with SBI Health Insurance. Get instant cashless treatment at 9000 network hospitals with sum insured up to ₹50 lakhs.

97%

Claim Settlement Ratio

9000+

Network Hospitals

7.7

Customer Rating

Policy Policy Wording

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97%

Claim Settlement Ratio

9000+

Network Hospitals

7.7

Customer Rating

Policy Policy Wording

Our Verdict

Expert Review: SBI Arogya Plus Variant One

Final Verdict

SBI Arogya Plus is an affordable plan with fixed premiums, OPD coverage, and maternity benefits, ideal for individuals and families seeking basic coverage. However, its low sum insured may be insufficient for major treatments.

About

About SBI Arogya Plus Variant One

The Arogya Plus Health Insurance Plan from SBI General offers comprehensive coverage, including in-patient hospitalization, outpatient treatment, and alternative treatments. It also covers 141 day-care procedures, pre and post-hospitalization expenses, and provides a fixed premium regardless of age. The plan offers sum insured options of ₹1 lakh, ₹2 lakh, and ₹3 lakh, with policy terms of 1, 2, or 3 years. Additionally, there are discounts available for long-term policies and family coverage.

Variant One Ratings

Ratings: SBI Variant One

Insurer Rating

8.91

out of 10

Insurance Rating

5.5

out of 10

No Room Rent Limit

Yes

Consumables Covered

No

No Co-payment

Yes

Loyalty Bonus >= 500%

No

No Disease Sublimits

Yes

Unlimited Restoration

No

Additional Benefits (Informational Only — Not part of score)

PED Waiting <= 2 Years

No

Maternity Available

No

Waiting Period Waiver

No

Testimonials

Real People. Real Relief

These are the moments that show what we really do. We don't sell you a policy. We stand by you when it matters most.

I want to sincerely thank Sunad for being there for me throughout the entire claim process. He helped me through so many ups and downs, always patient and ready to support when things got tough. I honestly don’t know how I would have managed without his guidance and encouragement. Sunad made a difficult situation feel a lot less stressful, and I’m truly grateful for his kindness and steadfast help.

Prashant Pandey

Mumbai, Maharashtra

Had a great experience with them during a difficult time. After my mother’s accident, we had to pay the hospital bill upfront, as cashless wasn’t available. They guided us through the reimbursement process, helped file the claim, and consistently followed up with the insurer until it was settled. Their support with the post-hospitalization claim was equally prompt and thorough.

Jatin Gala

Mumbai, Maharashtra

My heartfelt thanks to the OneAssure team for making my insurance claim process effortless. Right from the very first interaction, they demonstrated professionalism, clear communication, and an impressive command of the procedures involved. Their swift updates, timely guidance, and persistent follow-through removed all the stress from what could have been a complicated experience.

Anju Renjith

Bengaluru, Karnataka

I am truly grateful for the support and guidance I received in settling my insurance claim. The entire process was handled with great professionalism, clarity, and efficiency. Their prompt response, deep knowledge of the procedures, and consistent follow-ups ensured a smooth and hassle-free experience.Thank you once again for your invaluable help, highly recommended!

Yogesh Meena

Jaipur, Rajasthan

I recently had the pleasure of purchasing health insurance for my parents through this company, and my experience has been exceptional...The team was incredibly patient and took the time to explain every detail to me. No matter how many times I asked questions, they were always calm and thorough in their explanations. Their professionalism and dedication made a significant difference in helping me make an informed decision.

Akash Kumar

West Bengal

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Inclusions and Exclusions

Inclusions and Exclusions of SBI Arogya Plus Variant One

Room Rent

The Arogya Plus Variant 1 plan has no specific room rent limit, allowing flexibility based on your sum insured. ICU charges are also covered up to the sum insured.

Advanced Treatments

The Arogya Plus Variant 1 plan from SBI General Insurance covers 12 advanced treatment procedures, with expenses covered up to 50% of the sum insured.
Robotic surgeries
Stem cell therapy
Balloon sinuplasty
Deep brain stimulation, etc.

Co-payment

The Arogya Plus Variant 1 plan from SBI General Insurance does not have any co-payment requirements.

Cashless Healthcare Providers

Access to 16,881 network hospitals.

Waiting Period

Initial Waiting Period: 30 days from policy inception, except for claims arising from accidents.
Specific Diseases/Procedures Waiting Period: 12 months for certain conditions, including gastric or duodenal ulcers, hernia, hydrocele, cataract, sinusitis, and joint replacement surgeries due to degenerative conditions.
Pre-existing Diseases Waiting Period: 48 months of continuous coverage before claims related to pre-existing conditions are admissible.

Daycare Treatment

Medical procedures requiring less than 24-hour hospitalization are covered up to the Sum Insured, as per the indicative daycare list.

AYUSH Treatment

Expenses for alternative treatments, including Ayurveda, Yoga, Unani, Siddha, and Homeopathy, are covered up to the Sum Insured.

Room Rent

The Arogya Plus Variant 1 plan has no specific room rent limit, allowing flexibility based on your sum insured. ICU charges are also covered up to the sum insured.

Advanced Treatments

The Arogya Plus Variant 1 plan from SBI General Insurance covers 12 advanced treatment procedures, with expenses covered up to 50% of the sum insured.
Robotic surgeries
Stem cell therapy
Balloon sinuplasty
Deep brain stimulation, etc.

Co-payment

The Arogya Plus Variant 1 plan from SBI General Insurance does not have any co-payment requirements.

Exclusions

Any illness diagnosed within the first 30 days of policy commencement, except for accidental injuries.
Pre-existing diseases are not covered until completion of the 48-month waiting period.
Cosmetic or plastic surgery unless required due to accident, burns, or cancer treatment.
Treatment related to alcohol or drug abuse, including rehabilitation expenses.
Injuries or illnesses caused due to participation in hazardous activities or adventure sports.

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About the company

SBI Hеalth Insurancе is onе of India’s most rеliablе and customеr-focusеd hеalth insurancе providеrs, dеdicatеd to еnsuring complеtе financial sеcurity during mеdical еmеrgеnciеs. Thе company strivеs to makе quality hеalthcarе accеssiblе through its widе rangе of affordablе and comprеhеnsivе plans.
SBI Hеalth offеrs divеrsе policy options dеsignеd for individuals, familiеs, sеnior citizеns, and corporatе еmployееs. Each plan providеs covеragе for hospitalisation costs, surgеriеs, daycarе procеdurеs, and prе and post-hospitalisation еxpеnsеs. In addition, thе insurеr еxtеnds global covеragе, prеvеntivе wеllnеss bеnеfits, and top-up options to strеngthеn protеction according to variеd hеalthcarе nееds.

SBI Hеalth Insurancе is onе of India’s most rеliablе and customеr-focusеd hеalth insurancе providеrs, dеdicatеd to еnsuring complеtе financial sеcurity during mеdical еmеrgеnciеs. Thе company strivеs to makе quality hеalthcarе accеssiblе through its widе rangе of affordablе and comprеhеnsivе plans. SBI Hеalth offеrs divеrsе policy options dеsignеd for individuals, familiеs, sеnior citizеns, and corporatе еmployееs. Each plan providеs covеragе for hospitalisation costs, surgеriеs, daycarе procеdurеs, and prе and post-hospitalisation еxpеnsеs. In addition, thе insurеr еxtеnds...