SBI Health Insurance

• Upto 50,00,000/- Sum Assured.
• Pre and post hospitalization expenses covered for 30 and 60 days respectively
• Cashless facility available across SBI’s Network of hospitals.
• Minimum Entry age is 18 years whereas Maximum Entry age is 65 years.
• Illness covered under this plan is namely Cancer, Kidney Failure, coronary artery bypass surgery, kidney failure, first heart attack, major organ transplant, stroke, aorta graft surgery, primary pulmonary arterial hypertension, multiple sclerosis and permanent paralysis of the limbs.
• Only one critical illness shall be covered in one lifetime in this plan.
• Insurance benefit is payable only if the insured is alive for a period of more than equal to 28 days from the day of 1st diagnosis.

The plan provides you with fixed benefit for each day hospitalization expenses. Thus the plan covers the miscellaneous expenses which are usually not covered by the Traditional Policies. Listed below are the essential features of the plan:

• Daily cash benefit of up to Rs.2,000 per day of hospitalization
• Daily cash benefit of up to Rs.4,000 per day of ICU hospitalization
• Daily cash benefit of up to Rs.4,000 per day of accidental hospitalization
• Pre and post hospitalization expenses covered for 30 and 60 days respectively
• Minimum Entry age is 18 years whereas Maximum Entry age is 65 years.

The Arogya Premier Policy offers guaranteed security and peace of mind to the individual as he can take the policy for himself as well as his family. SBI has gone ahead and loaded the policy with numerous benefits such as a hassle-free buying process, a relaxed age limit, health checkups at regular intervals, tax savings, accumulated bonus option, and coverage over a large number of illnesses and diseases. Listed below are the essential features of the plan:

• Widest coverage in policies starting from Rs. 10,00,000 and going up to Rs. 30,00,000
• Comes in Individual / Family and Floater options. Family includes the insured, his or her spouse, children, parents and parents-in-law for the family plan. Family floater includes the self, the spouse and dependent children up to the age of 23 years
• Minimum and maximum age of entry are 3 months and 65 years
• No medical tests are required for people aged 55 years or below and who have no medical history
• Can be taken for a tenure of 1, 2 or 3 years. Offers a discount of 5% for the 2 year cover and 7.5% for the 3 year term
• Pre and post hospitalization expenses covered for 60 and 90 days respectively
• Maternity expenses are covered after the initial period of 9 months after taking the policy
• Insures against 142 day care expenses and even organ donor expenses
• An SBI health insurance claim covers ambulance costs (including air ambulance) up to Rs. 1,00,000
• Cumulative bonus of 10% of Sum Assured for each claim-free year, subject to a maximum of 50%
• Reimbursement of health check-up benefits up to Rs. 5,000 if no claims are made for 4 years
• Automatically reinstates the full Sum Assured without the need for additional premium if the amount is any way reduced due to a claim
• Provides tax deduction under section 80D of the Income Tax Act
• Has a grace period of 30 days from end of policy term for renewing the cover

• SBI General offers two plan options: Individual and Family with Sum Insured for dependents being equal or less than the Sum Insured for the primary party
• Minimum and Maximum subscription to the plan can be made at 3 months and 65 years respectively
• Offers Sum Insured options of Rs. 1,00,000, Rs. 2,00,000 and Rs. 3,00,000 for hospitalisation of the insured; OPD reimbursement depends on factors such as age, premium and family type
• Has a flat premium that remains same for all ages. The per annum premiums are Rs. 8,900, Rs. 13,350 or Rs. 17,800 for Sum Insured of Rs. 1 lakh, Rs. 2 lakh and Rs. 3 lakh respectively
• Provides three tenure options – 1 year, 2 years and 3 years
• Has no sublimit on maternity expenses, covering them for the full sum of the policy. It also treats maternity expenses under OPD benefit, provided the maternity expenses were incurred after 9 months of taking the policy
• Does not cover pre-existing illnesses for the first 4 years of the plan and certain specified illnesses for the first year of the cover
• Does not require any medical tests for people aged 55 years or below if they have no medical history
• Covers pre and post hospitalization expenses for 60 and 90 days respectively
• Safeguards against 142 OPD (day care) procedures
• Provides ambulance expenses reimbursement benefits up to Rs. 1,500
• Insured can claim tax benefit under section 80D of the Income Tax Act

• The plan comes in Individual / Family and Family Floater options with the Family plan also including the parents and parents-in-law in addition to the insured, his or her spouse and dependent children. The Family Floater plan does not include the parents or the parents-in-law
• No medical tests are required for people upto the age of 55 years
• Offers a large coverage starting from Rs. 1,00,000 and up to Rs. 50,00,000 with deductible option of Rs. 1,00,000 to Rs. 10,00,000. The deductible option comes in multiples of 1 lakh
• Has a policy term of 1, 2 or 3 years, with a 5% discount in premium for 2 year policy and 7.5% for a 3 year plan
• Provides an SBI health insurance claim cover of 60 days and 90 days for pre hospitalisation and post hospitalisation respectively
• Covers over 142 day care expenses, maternity expenses (after the first 9 months of taking the policy), and even organ donor expenses
• Offers a reimbursement up to Rs. 5,000 for ambulance charges
• Covers alternative treatments such as Ayurveda, Yoga, Unani, Siddha and Homeopathy (AYUSH)
• Provides tax deduction under section 80D of the Income Tax Act
• Has a grace period of 30 days from the last day of the policy tenure for SBI Health Insurance renewal

• Medical Practitioner and Specialists Fees shall be covered in this plan.
• Anaesthesia, Blood, Oxygen, Operation Theatre charges, Surgical Appliances, Medicines & Drugs, Diagnostic Materials and X-ray, Dialysis, Chemotherapy, Radiotherapy, Cost of Pacemaker, prosthesis/internal implants and any medical expenses incurred which is integral part of the operation.
• Room, Board & Nursing Charges, ICU charges to be covered.
• Up to Rs.7,50, 000/- Sum Assured is allowed under the plan
• Minimum Entry Age is 3 months

Some additional facilities provided are as follows:

• Ambulance charges, Maternity Cover with Nine months waiting period and without 9 months waiting period.
• Infant Covered from day one under the Family Floater Cover Plans.
• Pre-existing Diseases are covered in this plan from Day One.
• Waiver for waiting period for first 30 Days & and specific diseases for First year.