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.

Under what parameters can applicants bypass the pre-policy medical screening requirements during enrollment?

The plan incorporates an accelerated enrollment rule that completely waives mandatory pre-policy medical examinations for individual applicants up to 55 years of age, provided the proposed individuals maintain no prior adverse clinical history layout.

What specialized day-to-day out-of-hospital medical benefits are bundled into this specific variant?

The policy incorporates an everyday protection advantage by providing dedicated coverage for outpatient department (OPD) treatments alongside standard maternity care benefits, allowing individuals to manage routine healthcare costs inside a single plan layout.

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 9000 network hospitals with sum insured up to ₹50 lakhs.

97%

Claim Settlement Ratio

9000+

Network Hospitals

8.1

Customer Rating

Policy Policy Wording

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97%

Claim Settlement Ratio

9000+

Network Hospitals

8.1

Customer Rating

Policy Policy Wording

Our Verdict

Expert Review: SBI Arogya Plus Variant Two

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 Arogya Plus Variant Two

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...

Variant Two Ratings

Ratings: SBI Variant Two

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 Two

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.

Cashless Healthcare Providers

Access to 16,881 network hospitals.

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.

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.

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.

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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...