Sbi Health Edge Plan
SBI General Insurance Company Limited
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
Room Rent (Normal & ICU)
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 Periods
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.
Day Care Treatments
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
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
Hospital Daily Cash Allowance - Provides a fixed daily cash benefit for each continuous 24-hour hospitalization period, aiding in miscellaneous expenses.
Accidental Death Cover for Primary Insured - Offers a lump sum payment to the nominee in case of the primary insured's death due to an accident within the policy period.
Domestic Help/Staff Indemnity - Covers medical expenses for your domestic help or staff during hospitalization, day-care treatment, or AYUSH treatment.
OPD Cover - Reimburses expenses for outpatient procedures, including vaccinations, medications, consultations, and minor treatments not requiring hospitalization.
Vector Borne Fixed Benefit - Provides a lump sum benefit upon hospitalization due to vector-borne diseases like malaria or dengue, offering financial support during recovery.
Women Care Benefit - Covers maternity expenses, including delivery, pre-natal and post-natal care, newborn treatment, and assisted reproduction treatments, after a specified waiting period.
Add-ons
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About the Company
SBI General Insurance was established in 2009 as a joint venture between State Bank of India and Insurance Australia Group (IAG). Headquartered in Mumbai, India, the company offers a comprehensive range of insurance products such as motor, health, home, travel, and commercial insurance. Their policies are designed to meet various customer needs, from individual coverage to family and corporate plans. The company also emphasizes customer-centric services and easy claim processes.
About the Company
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