SBI General Critical Illness Plan

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      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 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
      • 30 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).
      Policybazaar exclusive benefits
      • 30 minutes claim support*(In 120+ cities)
      • Relationship manager For every customer
      • 24*7 claims assistance In 30 mins. guaranteed*
      • Instant policy issuance No medical tests*
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      Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.

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      *We will respond in the first instance within 30 minutes of the customers contacting us. 30-minute claim support service is for the purpose of giving reasonable assistance to the policyholder in pursuance of the claim. Settlement of claim (including cashless claim) is the responsibility of the insurer as per policy terms and conditions. The 30- minute claim support is subject to our operations not being impacted by a system failure or force majeure event or for reasons beyond our control. For further details, 24x7 Claims Support Helpline can be reached out at 1800-258-5881.

      *Product information is authentic and solely based on the information received from the Insurer. Policybazaar is acting only as a facilitator and claims settlement shall be at the sole discretion of the Insurer. Policybazaar does not provide any medical or surgical advice or diagnosis and is not responsible for your interactions / treatment by a medical practitioner/hospital. Please consult a registered medical practitioner for any medical or surgical advice. The Information that you obtain or receive from Policybazaar, and its employees, or otherwise on the Website is for informational purposes only. As per the Insurance guidelines, you are allowed to cancel the policy with-in 30 days from the date of Issuance of policy.This option is available incase of policies with a term of one year or more.

      *All the health insurance plans cover hospitalization expenses including COVID-19 treatment cover up to the specified limits. You can also buy specific COVID-19 health insurance policies such as Corona Kavach Policy and Corona Rakshak policy.

      **All savings and online discounts are provided by insurers as per IRDAI approved insurance plans. #Tax Benefits are subject to changes in tax laws. GST Exemptions depend on fulfilment of qualification criteria and submission of relevant documents.

      *₹1748/month is the starting price for a 1 crore health insurance for an 18-year-old male, with no pre-existing diseases. Discount on renewal premium is subject to the number of wellness points earned in the health insurance policy. For more details about the plans, please read the sale brochure carefully to get upto 100% discount on renewal premium.

      *₹400/month is the starting price for ₹ 5 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹541/month is the starting price for ₹ 10 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹762/month is the starting price for ₹ 1 Crore Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹243/month(₹ 8/day) is the starting price for a 5 lakh health insurance for a 20-year-old male, non-smoker, living in Bengaluru with no pre-existing diseases

      *₹2020/month is the starting price for ₹ 1 Cr Health insurance for a 50 year old male & 50 years old female, living in Bangalore with no pre-existing diseases rounded off to nearest 10.

      *₹390/month (₹13 per day) is starting price for 1 cr. Health insurance for 25 years old male, with pre-existing diseases, residing from tier 1 city rounded off to the nearest 10.

      *No medical tests are required unless requested by the insurer’s underwriter. In-case of pre-existing diseases relevant medical proof would be required as per the terms and condition of the policy opted.

      *The values taken for effective cost calculation are indicative values and may change as per the selected plan.

      *Coverage upto double the amount of Sum Insured is available on certain covers for a minimum plan of Rs. 5 Lakh on the first claim only to an individual of upto 45 years of age with no pre-existing diseases. The benefit is available with or without extra cost depending on the plan chosen.

      *Coverage of pre-existing diseases is provided by insurer as per their underwriting policy.

      *The scope of coverage may vary from plan to plan.

      ~Source: Google Review Rating available on:- http://bit.ly/3J20bXZ

      ##On ground claim assistance is available in 114 cities

      Tax Benefits are subject to changes in tax laws. GST Exemption depends on fulfilment of qualification criteria and submission of relevant documents as required by the insurers. For more details on risk factors, terms and conditions, please read the sales brochure and applicable rules and regulation carefully before concluding a sale.

      STANDARD TERMS AND CONDITIONS APPLY. For more details on risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale.

      Policybazaar is a registered Composite Broker |Registration No. 742, Valid till 09/06/2024, License category- Composite Broker| Visitors are hereby informed that their information submitted on the website may be shared with insurers.

      Policybazaar Insurance Brokers Private Limited | CIN: U74999HR2014PTC053454 | Registered Office - Plot No.119, Sector - 44, Gurgaon, Haryana - 122001 Contact Us | Legal and Admin Policies

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