SBI Arogya Plus Policy
SBI
8.1/10
OneAssure Rating
8.1/10
OneAssure Rating
Highlighted Features
Room Rent (Normal & ICU)
Covers a single private AC room for normal hospitalization and actual ICU/ICCU expenses as per hospital billing.
Advanced Treatments
Includes modern procedures like robotic surgeries, stem cell therapy, and oral chemotherapy, covering stem cell therapy up to sum insured.
Policy Wording
Explore more features
Our 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 the Plan
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.
About the Plan
Product Stats
Rating
Features of the Product
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.
- Normal: The Arogya Plus Variant 2 plan provides hospital room rent coverage without any sub-limits
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.
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.
Exclusions
Related Variants
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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
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