|Sum Insured||The plan provides a wide coverage of Rs. 1 lac to Rs. 50 lacs.|
|Policy Term||1, 2 and 3 years.|
|In-patient hospitalisation||The plan covers hospitalization: Room rent & boarding expenses, Medical practitioners fees, Intensive care unit, Nursing expenses, Anesthesia, blood, oxygen, operation theatre expenses, surgical appliances, medicines & consumables, diagnostic expenses and x-ray, dialysis, chemotherapy, radiotherapy, cost of pacemaker, prosthesis/internal implants and any medical expenses incurred which is integral part of the operation, Physiotherapy as inpatient care and being part of the treatment, Drugs, medicines and consumables consumed during hospitalization period, Diagnostic procedures, Dressing, ordinary splints and plaster casts|
|Pre-hospitalisation||The plan provides 60 days coverage for pre-hospitalization|
|Post-hospitalization||The plan provides 90 days coverage for post-hospitalization|
|Ambulance Cover||This plan covers ambulance expenses up to Rs. 5000 per hospitalization.|
|Alternative treatment||This plan covers Alternative treatment covered by AYUSH.|
|Organ Donor Cover||This policy covers the costs for organ donor’s treatment.|
There is No maximum exit age for this policy.
The minimum age of entry for SBI General’s Health Insurance Policy - Retail is 18 years. However Children from the age of 3 months can be covered subject to both parents concurrently covered with SBI General’s Health Insurance Policy - Retail. The Maximum age of entry for the policy is 65 years.
In a floater option single policy under one Sum Insured covers all in the family for e.g. 2Adults, 2 A 1C, 2A 2C, 2A, 1A2C , 1A 1C. The Sum Insured can be used by anyone in the family or all covered in the policy for multiple number of times till the time the Sum Insured limit is exhausted.
Sub limit defines the capping of insurance amount, for specific surgeries and medical procedures, which reduces the premium of the plan. You can also opt for an add on cover by paying extra premium to remove the sub- limits under the policy.
Yes, waiting periods will be applicable afresh in relation to the amount by which the Sum Insured has been enhanced. For example, if the waiting period for pre- existing disease is 4 years, any expenses under this cover can be claimed only after 4 years from the date of policy inception.
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