SBI Health Insurance Waiting Period

SBI Health Insurance Waiting Period

SBI health insurance waiting period refers to the timeframe the insured needs to wait before raising an SBI health insurance claim. It varies from one SBI health insurance plan to another and differs for various diseases and medical conditions. However, policyholders do not need to serve any waiting period to file a claim for accidental injuries.

Types of SBI Health Insurance Waiting Period

Check out the different types of waiting period that apply to SBI health insurance plans:

1. SBI Health Insurance Initial Waiting Period

   This waiting period should be served to file a health insurance claim for non-accidental injuries and seasonal diseases.

2. SBI Health Insurance Specific Illness Waiting Period

   The insured must serve this waiting period to claim the medical expenses incurred on specific illnesses and procedures, such as pancreatitis, cataract, osteoarthritis, PCOD, joint replacement surgeries, etc.

3. SBI Health Insurance Pre-existing Disease Waiting Period

   This type of waiting period needs to be served to raise a claim for the treatment of pre-existing diseases (PED), such as diabetes, hypertension, asthma, etc.

4. SBI Health Insurance Critical Illness Waiting Period

   Policyholders should serve this waiting period to claim the treatment cost of a critical illness under their critical illness insurance policy.

5. SBI Health Insurance Maternity and Child Care Cover Waiting Period

   This type of waiting period must be served by the insured to claim the maternity benefit to pay for pregnancy and childbirth-related expenses.

6. SBI Health Insurance Hypertension, Diabetes & Cardiac Condition Waiting Period

   Policyholders need to serve this waiting period to claim the medical expenses incurred in the treatment of hypertension, diabetes and cardiac conditions.

7. SBI Health Insurance Global Cover Waiting Period

   This waiting period should be served to file a claim under a global health insurance policy to pay for overseas medical expenses.

8. SBI Health Insurance Vision Correction Cover Waiting Period

   The insured must serve this waiting period to claim the medical expenses incurred on the treatment or advanced surgery for vision corrections.

9. SBI Health Insurance Bariatric Surgery Waiting Period

   This waiting period needs to be served to file a claim for the cost of bariatric surgery.

10. SBI Health Insurance Assisted Reproduction Treatment Waiting Period

    The insured should serve this waiting period to claim the medical expenses incurred on assisted reproduction treatments.

11. SBI Health Insurance Major Illness Benefit Waiting Period

    This type of waiting period must be served to claim the cost of treating a major illness, such as cancer, stroke, heart attack, etc.

12. SBI Health Insurance COVID-19 Waiting Period

    Policyholders must serve this waiting period to file a claim under a coronavirus health insurance policy for the treatment of COVID-19.

13. SBI Health Insurance Disability Cover Waiting Period

    This type of waiting period must be served to claim the cost of treating a pre-existing disability of the insured.

List of SBI Health Insurance Waiting Period

Here is the list of waiting periods that apply to health insurance plans offered by SBI General Insurance Company:

Note: The SBI health insurance waiting period disease list and the exact waiting period may vary from one plan to another.

Is It Possible to Reduce the SBI Health Insurance Waiting Period?

Yes. The waiting period for specific diseases and pre-existing diseases can be reduced from 2 years to 1 year with the Reduction in Specific Disease Waiting Period and Change in PED Waiting Period benefits, respectively, under Health Alpha and Health Super Top-Up plans. Similarly, the maternity waiting period can be reduced to 1 year with the Change in Maternity Expenses Waiting Period under Health Alpha and Health Super Top-Up plans.

The waiting period for global cover can also be reduced from 2 years to 1 year with the Reduction in Global Cover Waiting Period benefits under the Health Alpha plan. However, these benefits are available on the payment of an additional premium.

Things to Remember About SBI Health Insurance Waiting Period

The following things should be remembered about the SBI health insurance waiting period:

• If an illness or medical condition has been diagnosed after buying the SBI health insurance policy, it will not be considered a pre-existing disease.
• Policyholders do not need to serve any waiting period to file a claim for accidental injuries under their mediclaim policy.
• The waiting period for pre-existing diseases, specific diseases, maternity cover and global cover can be reduced in some plans by paying an additional premium.
• The insured must serve the waiting period and the survival period to claim a critical illness insurance policy.

SBI Health Insurance Waiting Period: FAQs