SBI Health Edge

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

Room Rent: There are no specific sub-limits imposed; policyholders can choose any room category up to the base sum insured or as specified in the policy schedule.

ICU Charges: Similarly, ICU expenses are covered up to actual expenses as provided by the hospital or up to the sum insured, without specific sub-limits.

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

Policyholders can choose a co-payment of either 10% or 20% on each admissible claim.

Initial Waiting Period: 30 days from policy inception, excluding accidents.

Specific Illnesses: A 2-year waiting period applies to certain specified diseases.

Pre-existing Diseases: Coverage begins after a 3-year waiting period.

Hypertension, Diabetes, and Cardiac Conditions: A 90-day waiting period applies if these are not pre-existing at policy purchase.

Access to 16,881 network hospitals.

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