The plan offers you daily benefits on hospitalization and this is regardless of the actual hospital expenses. You get additional cover and all the extra expenditure on food, traveling is also compensated, which is not included in the basic SBI medical insurance plan. Check the table below for detailed understanding -
*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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The plan comes with a range of benefits. You can avail the following benefits on per day basis if you buy this plan:
This plan covers the following medical expenses:
Any claims arising due to any of the below-mentioned reasons shall be rejected under SBI Hospital Daily Cash Insurance Plan:
There are 4 plan options for the daily cash benefit. Have a look at the table below:
Maximum Coverage Period of 30 Days |
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Benefits |
A |
B |
C |
D |
Daily Hospitalization Expenses ( In case of sickness) |
Rs. 500 |
Rs. 1000 |
Rs. 1500 |
Rs. 2000 |
Accident hospital confinement |
Rs. 1000 |
Rs. 2000 |
Rs. 3000 |
Rs. 4000 |
ICU Hospitalization Cover (for a maximum of 7 days) (and for a Maximum of 15 days during a policy term) |
Rs. 1000 |
Rs. 2000 |
Rs. 3000 |
Rs.4000 |
Convalescence benefit for hospitalization required for more than consecutive 10 days |
Fixed amount payable in a lump sum - 3 times benefits to be paid up to a maximum of Rs. 5000, in cases where hospitalization exceeds 10 days in a row |
Maximum Coverage Period of 60 Days |
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Benefits |
A |
B |
C |
D |
Daily Hospitalization Expenses ( In case of sickness) |
Rs. 500 |
Rs. 1000 |
Rs. 1500 |
Rs. 2000 |
Accident hospital confinement |
Rs. 1000 |
Rs. 2000 |
Rs. 3000 |
Rs. 4000 |
ICU Hospitalization Cover (for a maximum of 7 days) (and for a Maximum of 15 days during a policy term) |
Rs. 1000 |
Rs. 2000 |
Rs. 3000 |
Rs.4000 |
Convalescence benefit for hospitalization required for more than consecutive 10 days |
Fixed amount payable in a lump sum - 3 times benefits to be paid up to a maximum of Rs. 5000, in cases where hospitalization exceeds 10 days in a row |
For adults, the minimum entry age to buy SBI General health insurance policy is 18 years. Nevertheless, children above the age of 3 months can also be covered in this plan if both the parents are covered at the same time. The maximum age criteria to buy this policy is 65 years
The maximum cash benefit that is available is Rs. 2,000 on a daily basis. Though, the maximum benefit would be limited to Rs. 500/ day for a maximum period of 30 days for insured members above the age of 60 years and the first time buyers.
Pre-medical screening is not essential for applicants who are lesser than 45 years of age old unless the coverage opted for is for Rs.2000 (irrespective of the medical history). The proposal of the applicants with the following medical condition will be accepted after a satisfactory medical examination as per the insurer’s requirements: