SBI Health Edge Insurance Plan

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      SBI Health Edge Insurance Plan

      SBI General Insurance has created a new customisable digital-only health insurance plan, "Health Edge Insurance". Under this single comprehensive plan, there are 9 essential indemnity covers and 18 optional covers. The Health Edge Insurance Plan has been created to include facilities like global treatment cover that ensures the proper in-patient medical care of the insurance holder anywhere outside India. With this insurance plan from SBI General Insurance, the policyholder will also be covered for allopathic medical expenses, including diagnostics and pharmacy expenses. The expenses are available for both individual and floater plans.

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      SBI Health Edge Insurance Plan: Key Benefits

      SBI Health Edge Insurance
      Categories Benefits
      Sum Insured Rs. 3 Lakhs - Rs. 25 Lakhs
      Policy Tenure 1 Year, 2 Years, 3 Years
      Network Hospitals 6000+
      Incurred Claims 81.92%
      Initial Waiting Period 30 Days
      Cardiac Conditions, Hypertension and Diabetes Waiting Period 90 Days
      Critical Illness Waiting Period 90 Days
      Pre-Existing Diseases Waiting Period 2 Years
      Specific Diseases Waiting Period 2 Years
      Global Treatment Waiting Period 3 Years
      Maternity Expenses Waiting Period 4 Years
      Assisted Reproduction Treatment Waiting Period 4 Years

      SBI Health Edge Insurance Plan: Benefits

      The following are the benefits of purchasing the SBI Health Edge Insurance Plan:

      • Hospitalisation Benefit - SBI Health Edge Insurance Plan helps cover the expenses incurred throughout the hospitalisation period. The hospitalisation period should be more than 24 hours.
      • ICU Expenses Benefit - Under the Health Edge Plan from SBI, the insured is eligible for any expenses incurred if admitted to an ICU. The expenses include room rent, ICU or ICCU expenses, nursing and medical expert fees, and diagnostic and surgical procedures.
      • AYUSH Treatment Benefits - If the insured chooses to opt for any of the traditional treatment methods, in that case, they are eligible for AYUSH benefits. The insurance provider will compensate for the expenses incurred under this clause.
      • Stay Fit Health Check-Up Benefit - If any of the members in the insured’s family is above 18 years old, they are entitled to a health check-up each year. The members receive the benefit at the end of each policy year.
      • Bariatric Surgery Cover - The Health Edge Medical Plan also provides the insured up to Rs. 50,000 for Bariatric surgeries. It is provided when the guaranteed or their family undergoes bariatric surgery.
      • Unlimited Refill Benefit - The unlimited refill benefit included in the SBI Health Edge Plan provides endless coverage for related and unrelated illnesses within the policy duration. The benefit begins from the first paid claim and allows for different medical claims without limits on the total coverage amount.

      SBI Health Edge Insurance Plan Eligibility Criteria

      SBI Health Edge Insurance Plan
      Parameters Eligibility Criteria
      Minimum Entry Age Adult - 18 Years
      Child - 91 Days
      Maximum Entry Age Adult - 65 Years
      Child - 30 Years
      Coverage Type 1 Year, 2 Years, 3 Years
      Renewability Lifelong

      SBI Health Edge Insurance Plan: Inclusions

      The SBI Health Edge Insurance plan provides the following inclusions:

      • Domestic Help/Staff Indemnity - The domestic help/staff indemnity inclusion assists with expenses in case of a medically required procedure. It is applicable all through the policy period. This inclusion applies to all procedures, including in-patient hospitalisation, day-care treatment, and AYUSH treatment.
      • Hospital Daily Cash Allowance - This SBI Health Edge Insurance plan provides the insured daily cash allowance for each completed duration of hospitalisation for 24 hours. The daily cash benefit can go up to Rs.1000 for 10 days or Rs. 2000 for 10 days for the entire policy term.
      • Critical Illness Cover - The critical illness inclusion provides the insured with Rs. 3,00,000 for family members above 18 years. It applies if they are diagnosed with any of the critical illnesses listed after the end of 90 days.
      • OPD Cover - Regardless of expenses like pharmacy and diagnostic, anyone choosing the OPD cover inclusion is eligible for reimbursement of Rs. 5000 per insured member for allopathic OPD expenses.
      • Accidental death for primary insured - A lumpsum amount ranging between Rs. 10 lakhs and Rs. 20 lakhs is assured in case of accidental death of the primary insured. It is applicable only if the death occurs within the year of purchasing the policy.

      SBI Health Edge Insurance Plan: Exclusions

      The following are the exclusions of the SBI Health Edge Insurance plan:

      • Rest, cure and rehabilitation care
      • Change of gender or treatments to change gender
      • Any cosmetic or plastic surgery.
      • Expenses arising out of domiciliary hospitalisation.
      • Excluded health care providers or facilities.
      • Hazardous activities or adventure sports.
      • Any breach of laws.
      • Treatment to recover from addictive substances.
      • Treatments done in spas, nature clinics, or similar centres.
      • Situations of nuclear attack or war.
      • Breach of law while committing intentional self-injury.

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