SBI Health Edge
SBI
8.8/10
OneAssure Rating
8.8/10
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
Modern medical procedures like robotic surgery or stem cell therapy, often covered under specialized insurance plans.
Policy Wording
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Our Verdict
SBI Health Edge offers highly customizable coverage with numerous optional add-ons, including global treatment and critical illness cover. Its flexibility and family/long-term discounts make it a strong choice for those seeking tailored health insurance solutions.
About the Plan
SBI General Insurance's Health Edge is a customizable health insurance plan offering comprehensive coverage through 9 basic indemnity covers and 18 optional covers. Policyholders can choose sum insured options ranging from ₹3 lakhs to ₹25 lakhs, with policy tenures of 1, 2, or 3 years. The plan includes in-patient hospitalization, pre and post-hospitalization expenses, day-care treatments, and AYUSH treatments. Optional covers such as global treatment for 16 listed illnesses diagnosed in India, wellness benefits, and maternity coverage enhance flexibility. Additional benefits include discounts for covering multiple family members and long-term policyholders.
About the Plan
Product Stats
Rating
Features of the Product
AYUSH Treatment
Expenses for alternative treatments, including Ayurveda, Yoga, Unani, Siddha, and Homeopathy, are covered up to the Sum Insured.
Room Rent
- 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.
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
Policyholders can choose a co-payment of either 10% or 20% on each admissible claim.
Waiting Period
- 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.
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.
Exclusions
War, invasion, mutiny, seizure, restraints, and similar situations.
Any nuclear, biological, or chemical attack or weapons and associated causes or events that result in a loss, claim, or expense.
Procedures of circumcision, unless required for the treatment of an illness/injury or because of an accident.
Convalescent conditions, rest cure, general debility, run-down conditions, and external congenital anomalies.
Treatment for alcoholism, drug or substance abuse, or any addictive condition.
Expenses related to domiciliary hospitalization.
Non-payable items: Expenses against items mentioned in "List I" shall not be payable. This exclusion shall be waived off if Optional Benefit-D.8 has been opted under the policy.
An insured person committing or attempting to commit a breach of law with criminal intent.
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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