SBI Health Insurance Plan has been designed to cater to your specific healthcare needs and to meet all your medical requirements in a customized manner. The idea is to help you lead a happy and healthy life without any financial burden of availing the treatment in some of the best hospitals. It offers financial protection and health security at the same time. The growing cost of medical treatment can drain all your savings. And if you buy the SBI general health insurance plan, you and your family can be sure of the best healthcare treatment in case of a health emergency.
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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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Some plans are available only after a certain time
Here is a broad list of the General Health Insurance Plans:
|Medical Expenses Covered||Insurance Limit (Rs.)|
|Hospitalization charges including boarding and nursing charges, room and service charges, etc.||Up to 1 percent of the SI on a daily basis|
|Intensive Care Unit (ICU) charges||Up to 2 percent of the SI on a daily basis|
|All permissible claims under 1 & 2 during the policy term||Up to 25 percent of the SI per injury or illness for every claim|
|Charges incurred on blood, oxygen, surgical appliances, anesthesia, operation theatre, etc.||Up to 40 percent of the SI for each injury or illness for every claim|
|Fees charged by the doctors & specialists||Up to 40 percent of the SI for each injury or illness for every claim|
|Ambulance Cover||1 percent of the Total SI ( maximum limit up to Rs. 0)|
|Post-hospitalization charges ( 60 days after getting discharge)||Up to 10 percent of the permissible hospitalization expenses|
|Pre-hospitalization Cover (30 days prior to the admission)||Up to 10 percent of the permissible hospitalization expenses|
|Free medical check-up ( after every 4 claim-free years)||1 percent of the total sum insured ( up to a maximum of Rs. 2500)|
|Domiciliary Hospitalization Cover||Coverage up to 20 percent of the sum insured amount or to a maximum of Rs.20,000|
|Child Care Cover||This coverage is available for children below the age of 10 years. For each day of hospitalization, the coverage amount is limited to Rs. 500. And the maximum compensation is subjected to a period of 30 days during a policy term|
|Parental Care Cover||This coverage is available for people above the age of 60 years. It includes expenses incurred on the attendant or nurse after the patient gets discharged from the hospital. The coverage is limited to Rs. 500 or the actual cost or up to a maximum of 10 days of the hospitalization expenses. And Maximum compensation during a policy term is limited to 15days.|
|Accidental Hospitalization Cover (Once during a policy term)||Additional 25 percent of the sum assured and up to a maximum of Rs.1 lakhs (for accidental hospitalization)|
|Cataract Cover ( for each eye)||It is available once you have completed 2 years of the policy term. The compensation is limited to Rs. 25000 or a maximum of 15% of the Sum Insured|
|Coverage for Specific Day Surgeries ( requiring less than 24 hours of hospitalization)||It includes specific dental surgeries involving an accident, eye surgeries, dialysis procedure, radiotherapy, chemotherapy, tonsillectomy, and other similar surgeries|
|Co-payment facilities in non-network hospitals||10 percent on all permissible claims( up to the claim limit)|
|Cashless Hospitalization||Available in all the SBI General Health Insurance Network Hospitals|
|Alternative Treatment Cover (Ayurveda treatment in one of the registered government hospitals)||The maximum compensation limit is 15 percent of the sum insured or to up to Rs. 20000.In the case of Unani and Homeopathy treatment up to a maximum of 10 percent of the insured amount or Rs. 00.|
The minimum coverage amount for you and your family is Rs.50, 000. And the maximum coverage limit is Rs. 5 lakhs.
Here’s is a quick rundown of the terms and conditions of the SBI General Health Insurance Plan:
There are three plan options to choose from and they are listed in the table below. You can buy one as per your medical needs and financial capabilities -
|SBI General Health Insurance Plan Option Location wise||Admissible Claim Amount in Location A (Delhi & Mumbai )||Admissible Claim Amount in Location B (Chennai, Ahmadabad Kolkata, Hyderabad Bangalore)||Admissible Claim Amount in Location C (Other cities in India)|
|Plan A (Delhi & Mumbai )||100 percent||100 percent||100 percent|
|Plan B (Chennai, Ahmadabad, Kolkata, Hyderabad, Bangalore)||80 percent||100 percent||100 percent|
|Plan C (Other cities in India)||70 percent||80 percent||100 percent|
*Provisions are subjected to policy terms and conditions and the admissible claim amount in the health insurance plan
Listed below are the circumstances where the insurance company can invalidate your claim requests -
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