SBI General Arogya Plus Plan
SBI
7.7/10
OneAssure Rating
7.7/10
OneAssure Rating
Highlighted Features
Room Rent (Normal & ICU)
Covers hospital room and ICU charges up to the sum insured, ensuring financial security during hospital stays.
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.
Policy Wording
Explore more features
Our 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 the Plan
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.
About the Plan
Product Stats
Rating
Features of the Product
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.
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.
Cashless Healthcare Providers
Access to 16,881 network hospitals.
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.
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.
Expenses related to dental treatment, unless required due to an accident.
Infertility treatment, assisted reproductive technology (ART), and surrogacy expenses.
Any illness or injury resulting from war, terrorism, nuclear exposure, or biological weapons.
Experimental, unproven, or investigational medical treatments and procedures.
Self-inflicted injuries, suicide attempts, or treatment for psychiatric disorders unless covered under specific policy terms.
Treatment received outside India unless covered under an international add-on.
Congenital diseases or birth defects unless explicitly covered in the policy.
Medical expenses incurred for weight control treatments, including bariatric surgery, unless medically necessary.
Hospitalization primarily for diagnostic evaluations, observation, rest cure, or rehabilitation therapy.
Exclusions
Related Variants
Looking for a Specific Hospital ?
Why OneAssure?
We help you maximize your coverage over time for stronger protection.
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.
About the Company
Still Confused ?
Frequently Asked Questions
Related Blogs
Family Floater Plans: A Quick Overview
How Does Life Insurance Work? Everything You Need to Know Before Buying
Discover how life insurance works in India, including key terms, premium payments, and what happens on claim settlement.
What Is Insurable Interest in Life Insurance and Why Is It Important?
Learn what insurable interest is in life insurance, why it is important, and look at examples of insurable interest. See how it impacts the policies and claims.
Insurance in 2026: Great for Your Wallet, But What’s Still Missing?
The Union Budget 2026 was just presented by the Finance Minister, and for the first time in years, the "boring" world of insurance has some of the most exciting updates for young earners.
Term Insurance Medical Test Fail: Common Mistakes You Should Avoid
What Happens If You Fail a Term Insurance Medical Test? Understanding the Reasons, Next Steps, and How to Improve Your Eligibility
ICICI Elevate vs Care Supreme: Which Health Plan Offers Better Coverage in 2025?
Explore ICICI Elevate vs Care Supreme to find the best health insurance in 2025.
Understanding the Critical Illness List in Insurance Policies
Explore the critical illness list in insurance, key coverage details, and how it helps safeguard your finances against major health risks.
Understanding Mahatma Jyotiba Phule Jan Arogya Yojana: A Comprehensive Guide
Mahatma Jyotiba Phule Jan Arogya Yojana: Eligibility, Enrollment Process & Key Healthcare Benefits
Top Senior Citizen Health Insurance Schemes by Government of India
Explore government-backed senior citizen health insurance schemes in India, offering cashless hospitalization, financial security, and comprehensive medical coverage.
How to Surrender Your HDFC Life Policy Online and Claim Your Surrender Value?
Learn how to surrender HDFC Life policy online and claim your surrender value in India.
Benefits of Having a Death Insurance Policy
Explore the potential benefits of opting for a death insurance policy in India in 2025.
Factors to consider when buying critical illness insurance
Explore the importance of critical illness insurance, how it works, what it covers, and key factors to consider before buying a policy for financial protection.
Pre-Existing Disease in Health Insurance: All You Need to Know Before Buying
.png)
Tips To Choose The Best Health Insurance Plan
Making Health Insurance Affordable: Is EMI Really the Best Way?
In India, we’ve mastered the art of the EMI. From the latest iPhone to that fancy fridge, if it has a price tag, it probably has an "Easy Monthly Installment" plan. So, it was only a matter of time before the insurance world caught up.
How India’s Budget 2026 Could Shape the Future of Insurance - A Young Earner’s Guide.
Let’s break down what the latest Union Budget means for you - not just as a citizen, but as someone earning, planning finances, and thinking seriously about securing your future with insurance.
