SBI Health Insurance Riders

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      SBI Health Insurance Riders

      SBI Health Insurance riders are the additional coverage benefits that policyholders can purchase from the SBI General Insurance Company on payment of an additional premium amount. These benefits enhance the coverage level of the base health insurance policy. Policyholders can opt for a rider at the time of buying or renewing the policy.

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      List of SBI Health Insurance Riders in India

      Take a look at the list of SBI health insurance riders available in India:

      1. 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.

      2. 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.

        People also read: What is Co-Payment in Health insurance?

      3. 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.

      4. 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.

      5. 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.

        People also read: Common Wellness Benefits Offered by Health Insurance Plans

      6. 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.

      7. 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.

      8. 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.

      9. 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.

        People also read: Importance of Health Insurance for Women

      10. 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.

      11. 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.

      12. 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.

        People also read: All About Restoration Benefit in Health Insurance

      13. 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.

      14. 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.

        People also read: OPD Cover: Is It In-built or an add-on Cover?

      15. 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.

      16. 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.

        People also read: List of Different Types of Non-Medical Expenses in Health Insurance

      17. 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.

      18. 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.

        People also read: What is Deductible in Health Insurance?

      19. 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.

      20. 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.

        People also read: Does Health Insurance Cover Death?

      21. 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.

      22. 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.

        People also read: Health Insurance to Cover Vector-borne Diseases

      23. 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.

      24. 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.

        People also read: Does Your Health Insurance Cover Overseas Cost?

      Benefits of SBI Health Insurance Riders

      Check out the benefits of buying SBI health insurance riders:

      1. Wider Coverage

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

      2. 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.

      3. 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.

      4. 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.

      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: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.

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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. As per the Insurance guidelines, you are allowed to cancel the policy with-in 15 days from the date of Issuance of policy. For more details, please read the Plan Brochure carefully or talk to our advisor at the time of purchase.

      *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 (Life & General)| 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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