SBI General Critical Illness Plan

Imagine a situation, where anyone of your family members is diagnosed with a life-threatening disease, the world might shatter for you for a while when you will realize that your health insurance policy will cover only the hospitalization expenses.  Mentally broke and financially distressed you will be in a fix.  Why repent later, and risk the health of your loved ones when you can safeguard them with a critical illness policy. Your insurer will provide you a lump sum amount as per the amount specified in the insurance policy.

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SBI General Critical Illness Plan

All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply
*Tax benefit is subject to changes in tax laws. Standard T&C Apply

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    SBI critical illness insurance policy offers protection against thirteen most crucial critical illnesses. Wishing health and happiness to your family with the following benefits-

    Key Features of SBI Critical Illness Insurance Plan

    • Reimburses for 13 most critical illnesses
    • Maximum age limit is 65 years and the minimum is 18 years
    • 1 year and 3-year plan options
    • Up to 50 lakhs sum assured limit
    • 15 days of free look period available
    • Tax saving under Sec 80 D of Income Tax Act

    Inclusions of SBI Critical Illness Insurance Plan

    All the inclusions are subjected to a survival period of 28 days.

      • Cancer
      • Paralysis
      • Kidney failure
      • Coma
      • Total Blindness
      • Stroke
      • Primary Pulmonary Arterial Hypertension
      • Coronary artery bypass grafts
      • Multiple Sclerosis
      • Myocardial Infarction (First Heart Attack)
      • Heart Valve Surgery
      • Aorta Graft Surgery
      • Organ Transplant

    The above inclusions are subjected to a minimum assessment period of 28 days to 180 days.

    You can only file a single critical illness claim during your lifetime. The policy shall terminate immediately on the payment is made for one critical illness during the policy term. The maximum sum insured amount under Critical Illness is 50 lakhs for an individual (subjected to policy terms and conditions).

    Exclusions of SBI Critical Illness Insurance Plan

    • Any disease that is diagnosed during the first 30 days from the date of policy purchase
    • A waiting period of 90 days from the date of commencement of the policy
    • Any alternative treatment like naturopathy, aromatherapy, acupuncture, homeopathic, Ayurveda, reflexology, and osteopath.
    • Pregnancy treatment or complications like abortion, miscarriage, childbirth, or any prenatal and postnatal treatment
    • Any type of congenital diseases that are diagnosed during or before the policy period
    • AIDS/HIV and other sexually transmitted diseases.
    • Self-inflicted injuries and conditions of depression and mental disorders
    • Health treatment for drug intoxication and an overdose of alcohol consumption

    Sum Assured (Rs.)

    • Minimum is 2 lakhs
    • Maximum is 50 lakhs

    SBI Critical Illness Insurance Plan Options

    SBI critical illness plan comes in two variants. You can opt for:

    • 1 year Plan
    • 3 year Plan

    Note - The policy terminates immediately on the payment of first Critical Illness benefit.

    The minimum coverage available under this plan is for Rs. 2 lakhs and the maximum is for Rs. 50 lakhs and it is subjected to the following terms and conditions:

    • If the proposer is the earning member of the family then the maximum sum insured shall be limited to 60 months gross income for the policyholder or a maximum of Rs. 50 lakhs. You would need to showcase your income proof, as the case may be.
    • In the insured is non-earning then the sum insured shall be restricted to 50 percent of the sum insured up to a maximum of 10 lakh rupees ( based on the proposer’s income).
    • Depending on your medical history, age, and sum insured chosen, you may have to undergo a pre-medical screening. For applicants who are above 45 years of age, the policy issuance is subjected to a satisfactory medical examination as per the insurer’s requirements, and this is irrespective of sum insured chosen.
    • The cost of pre-medical check-ups shall be borne by the proposer. But, if the proposal is accepted the insurance company will recompense 50 percent of the cost incurred on the medical tests (as required by the insurer).
    • The maximum amount of sum insured is kept at Rs. 15 lakhs for insured members above 60 years of age and above (who are purchasing the policy for the first time).

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    SBI General Critical Illness Plan Reviews & Ratings

    / 5 (Based on 31 Reviews)
    (Showing Newest 9 reviews)
    Omkar
    Chennai , October 26, 2021
    Great features
    I have got day care hospitalization feature under the mediclaim policy which i have purchased from the policybazaar. It offered me lifelong renewability Cover. It includes tax exemption benefits, cashless hospitalization and many other facilities. overall i like my plan.
    Angoor
    Kolkata , October 26, 2021
    Trustworthy website
    I rarely trust the online purchasing because of the possibility of fraud but Policybazaar has built my trust up. I went through the online process when I was taking care health insurance from here and i found this website trustworthy.
    Kush
    Surat, October 26, 2021
    Helpful staff
    I rarely trust the online purchasing because of the possibility of fraud but Policybazaar has built my trust up. I went through the online process when I was taking care health insurance from here and i found this website trustworthy.
    Ranveer
    Pune, October 26, 2021
    Low cost plan
    Such a simple and easy process to buy a policy was provided to me by Policybazaar. Someone suggested me to check the health plans on Policybazaar website. i went through a lot of plans and i found the right plan here. i bought star health insurance at low cost.
    Kushal
    Jaipur, October 26, 2021
    Good Coverage
    I have bought Bajaj Allianz Health Insurance for my family and by taking a health plan, I have secured my entire family. I have got coverage against medical expenses and buying my policy online has saved my money as I did not have to pay agent fees.
    Jitendra
    Lucknow, October 26, 2021
    Affordable plan
    A friend of mine told me about Policybazaar. He said that he has found an affordable health plan deal in Policybazaar. I went to Policybazaar to buy the same plan. I wanted a family health plan so I took Aditya Birla health insurance and it has covered every member of my family.
    Rajesh
    Kanpur, October 26, 2021
    Easy to compare
    Last week i went to Policybazaar for taking health plan for my family. An executive explained the policy very well and showed me various plans out of which i chose digit health insurance and it has covered me and my wife.
    Kuvar
    Nagpur, October 26, 2021
    Good plan
    I was able to compare the various plans easily on the website of Policybazaar. At first, i was confused about what i should choose as so many options were given there but then i bought sbi general health insurance for my parents. I got really good senior citizen health plan.
    Abhijeet
    Allahabad, October 26, 2021
    Hassle free experience
    I had an amazing and hassle free experience with policybazaar. Everything has beem very smooth when i was purchasing health insurance from policybazaar. Their team assisted me in well mannered way.
     
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