How does the waiting period affect my coverage?

The Arogya Plus Variant 2 plan includes a 30-day initial waiting period, except for accidental claims. Pre-existing diseases are covered after 24 months, while specific treatments have a waiting period of up to 12 months.

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

If no claims are made during the policy year, the plan does not offer a No Claim Bonus (NCB), but you continue to receive uninterrupted coverage for future medical needs.

Will my health insurance cover treatment abroad?

The Arogya Plus Variant 2 plan provides coverage only within India and does not include international medical treatment under its standard benefits. Consider a global health plan for overseas coverage.

OneAssure

Health Insurance

SBI

Arogya Plus Variant Two

SBI Arogya Plus Policy

Experience India's most trusted health insurance with SBI Health Insurance. Get instant cashless treatment at 20000 network hospitals with sum insured up to ₹50 lakhs.

97

Claim Settlement Ratio

20000

Network Hospitals

8.1

Customer Rating

Get a Quote

97

Claim Settlement Ratio

20000

Network Hospitals

8.1

Customer Rating

Our Verdict

Expert Review: SBI Health Insurance

Final Verdict

jkArogya Plus Variant 2 is a budget-friendly plan with OPD and maternity benefits, ideal for individuals and families. However, its low sum insured and limited coverage for critical illnesses may not suit those needing extensive protection.

About

About SBI Health Insurance

Arogya Plus Variant 2 is a health insurance plan designed to offer comprehensive medical coverage at an affordable premium. It covers hospitalization expenses, including room rent, ICU charges, and nursing costs, along with pre and post-hospitalization medical expenses. The plan also includes coverage for 141 day-care procedures, outpatient (OPD) treatments, domiciliary hospitalization, and ambulance charges. With flexible sum insured options and no pre-medical checkup required for individuals up to 55 years, it ensures financial security against unexpected medical expenses.

Arogya Plus Variant 2 is a health insurance plan designed to offer comprehensive medical coverage at an affordable premium. It covers hospitalization expenses, including room rent, ICU charges, and nursing costs, along with pre and post-hospitalization medical expenses. The plan also includes coverage for 141 day-care procedures, outpatient (OPD) treatments, domiciliary hospitalization, and ambulance charges. With flexible sum insured options and no pre-medical checkup required for individuals up to 55 years, it ensures financial security...

Inclusions and Exclusions

Inclusions and Exclusions of SBI Insurance Company Limited

Daycare Treatment

Covered by the policy.

Room Rent

Normal: The Arogya Plus Variant 2 plan provides hospital room rent coverage without any sub-limits
ICU: ICU charges are covered up to the sum insured.

Advanced Treatments

The Arogya Plus Variant 2 plan covers advanced treatments such as robotic surgeries, organ transplants, stem cell therapy, and proton beam therapy.

Co-payment

The Arogya Plus Variant 2 plan does not have a mandatory co-payment for most treatments. However, specific conditions or treatments may have cost-sharing requirements as per policy terms.

Waiting Period

The Arogya Plus Variant 2 plan includes a 30-day initial waiting period, except for accidental claims. Pre-existing conditions are covered after 24 months, while certain specified illnesses have a waiting period of up to 24 months.

Cashless Healthcare Providers

Access to 16,881 network hospitals.

AYUSH Treatment

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

Daycare Treatment

Covered by the policy.

Room Rent

Normal: The Arogya Plus Variant 2 plan provides hospital room rent coverage without any sub-limits
ICU: ICU charges are covered up to the sum insured.

Advanced Treatments

The Arogya Plus Variant 2 plan covers advanced treatments such as robotic surgeries, organ transplants, stem cell therapy, and proton beam therapy.

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Exclusions

Pre-existing diseases are excluded for the first 36 months of continuous coverage.
Certain treatments like cataracts, ENT disorders, and joint replacements are excluded for the first 24 months.
Illnesses contracted within the first 30 days of policy inception are not covered, except for accidents.
Expenses related to cosmetic or plastic surgery unless necessary due to an injury or disease are excluded.
Treatments related to alcohol or drug abuse, self-inflicted injuries, and suicide attempts are not covered.
Expenses for obesity treatments, weight control procedures, and bariatric surgery are not covered unless specified.

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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...