SBI Health Insurance Riders

SBI Hospital Daily Cash

The SBI Hospital Daily Cash rider provides a fixed daily allowance to the insured for each day of hospitalization. The allowance amount will be doubled in case of an ICU hospitalization. However, a deductible of 24 hours will apply to this cover. This rider is available under SBI Health Edge and SBI Arogya Supreme plans.

SBI Co-Payment

The SBI Co-Payment rider levies a co-payment of 10% or 20%, as opted by the insured, on all claims. This rider is available under SBI Health Edge, SBI Super Health Insurance and SBI Arogya Supreme plans.

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SBI Domestic Help/ Staff Indemnity

The SBI Domestic Help/Staff Indemnity rider covers medical expenses incurred on the treatment of the domestic help/staff of the policyholder. It offers coverage for in-patient hospitalization, day care treatment, AYUSH treatment, modern treatments, emergency road ambulance and bariatric surgery. This rider is available under SBI Health Edge and SBI Super Health Insurance plans.

SBI Additional Sum Insured for Accidental Hospitalization

The SBI Additional Sum Insured for Accidental Hospitalization rider provides an additional sum insured of up to 1.5 or 2 times if the insured is hospitalized due to a medical emergency resulting from an accident. This rider is available under SBI Arogya Supreme and SBI Super Health Insurance plans.

SBI Wellness Benefit

The SBI Wellness Benefit rider enables the insured to avail wellness services, including health assistance through personal fitness coaching, dietician and nutrition e-consultation, unlimited gym membership and a discount on renewal premium on achieving the steps target. This rider is available under SBI Health Edge and SBI Super Health Insurance plans.

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SBI Healing Benefit

The SBI Healing Benefit rider pays a lump sum amount if the insured is hospitalized for more than 5 consecutive days. This rider is available under the SBI Health Edge Insurance policy.

SBI Critical Illness Cover

The SBI Critical Illness cover rider pays a lump sum amount if the insured is diagnosed with any of the 60 listed critical illnesses, including cancer, kidney failure, coma, etc. This cover comes with a waiting period of 90 days and is available for people between the ages of 18 to 45 years. This rider is available under the SBI Health Edge Insurance policy.

SBI Booster Benefit

The SBI Booster Benefit rider enhances the sum insured by 50% for up to 200% if no claim is raised in the previous policy year. This rider is available under the SBI Health Edge Insurance policy.

SBI Women Care Benefit

The SBI Women Care Benefit rider covers the maternity expenses incurred during pregnancy, including delivery, pre-natal and post-natal expenses. It also covers the cost of newborn baby’s treatment and assisted reproduction treatment. However, this benefit comes with a waiting period of 4 years. This rider is available under the SBI Health Edge Insurance policy.

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SBI E-Opinion

The SBI E-Opinion rider pays for the cost of availing medical opinion from the insurer’s panel of doctors for a medical condition diagnosed within the policy period. This rider is available under the SBI Health Edge Insurance policy.

SBI Major Illness Benefit

The SBI Major Illness Benefit rider pays 100% of the sum insured amount for a maximum of Rs 25 lakh if the insured is diagnosed with any of the 30 listed critical illnesses. This benefit comes with a survival period of 30 days. This rider is available under the SBI Arogya Supreme policy.

SBI Unlimited Refill

The SBI Unlimited Refill rider restores the sum insured for up to 100% unlimited times a year for both related and unrelated illnesses. This rider is available under the SBI Health Edge Insurance policy.

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SBI Enhanced Cumulative Bonus

The SBI Enhanced Cumulative Bonus rider provides an increased cumulative bonus of 25% or 50% for a maximum of 200% if the policyholder does not file a claim in the previous policy year. This rider is available under the SBI Arogya Supreme policy.

SBI OutPatient (OPD) Cover

The SBI OutPatient (OPD) Cover rider covers the cost of availing medical treatment via the outpatient department (OPD). These expenses include medical professional fees, diagnostic procedure costs and pharmacy costs. This rider is available under the SBI Health Edge Insurance policy.

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SBI No Claim Bonus Protector

The SBI No Claim Bonus Protector rider ensures that the cumulative bonus and enhanced cumulative bonus stay intact even if a health insurance claim is filed. However, this benefit applies only if the previous policy’s claim amount is not more than Rs 50,000. This rider is available under the SBI Arogya Supreme policy.

SBI Claims Safeguard

The SBI Claims Safeguard rider provides coverage for non-medical expenses that are generally not payable by a health insurance policy. They may include the cost of gloves, cotton, syringes, masks, etc. This rider is available under the SBI Health Edge Insurance policy.

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SBI Any Room Upgrade

The SBI Any Room Upgrade rider allows the insured to get admitted to any hospital room category, except for suite and above. However, this benefit is only available for policyholders with a sum insured of Rs 5 lakh to Rs 20 lakh. This rider is available under the SBI Arogya Supreme policy.

SBI Deductible

The SBI Deductible rider levies a deductible of Rs 10,000 or Rs 25,000 that the policyholder needs to pay at the time of claim settlement. The SBI General Insurance Company will only pay for the medical expenses if the deductible amount is exhausted. This rider is available under the SBI Arogya Supreme policy.

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SBI Enhanced ReInsure Benefit

The SBI Enhanced ReInsure Benefit rider recharges the sum insured by 200% unlimited times in a policy year if it gets partially or completely exhausted for raising claims for any illness. This rider is available under the SBI Super Health Insurance policy.

SBI Accidental Death Cover

The SBI Accidental Death cover rider pays a lump sum amount if the primary insured is injured due to an accident. This rider is available under the SBI Health Edge Insurance policy.

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SBI Enhanced Cumulative Bonus Safeguard

The SBI Enhanced Cumulative Bonus Safeguard rider keeps the enhanced cumulative bonus percentage intact even if a claim is raised in the previous policy year. However, this benefit applies only if the claim amount is not more than Rs 1 lakh. This rider is available under the SBI Super Health Insurance policy.

SBI Vector Borne Fixed Benefit

The SBI Vector Borne Fixed Benefit rider pays a lump sum amount if the insured is hospitalized due to vector-borne diseases, including dengue, malaria, chikungunya, Zika virus, kala-azar, filarial and Japanese encephalitis. This cover will be activated only if the insured is admitted for at least 48 hours. This rider is available under the SBI Health Edge Insurance policy.

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SBI Aggregate Deductible

The SBI Aggregate Deductible rider levies an aggregate deductible amount on the policy that the policyholder needs to pay during claim settlement. The available deductible amount ranges from Rs 1 lakh to Rs 10 lakh. This rider is available under the SBI Super Health Insurance policy.

SBI Global Treatment

The SBI Global Treatment rider pays for the in-patient treatment availed outside India for any of the 16 listed critical illnesses or procedures. However, the disease or medical condition must be diagnosed in India for the first time. This rider is available under the SBI Health Edge Insurance policy.

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Wider Coverage

Riders enable policyholders to upgrade their coverage level as per their health needs without changing their existing policy or buying another one.

Variety of Options

Policyholders can choose from a wide range of health insurance riders offered by the insurance company to achieve better and more comprehensive coverage.

Easy to Customize

SBI General Insurance Company customers can easily customize their base health policy to achieve their desired coverage that fulfills their health needs.

Pocket-friendly

Buying a rider with an existing SBI health insurance policy is more affordable than buying a new policy. Hence, people can save money by purchasing riders instead of buying a new policy with the desired coverage.