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.

      FAQs

      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: The list mentioned is according to the alphabetical order of the insurance companies. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. For complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website www.irdai.gov.in

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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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