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Critical Illnes Policy

Critical Illnes Policy

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The Critical Illness Insurance Policy of SBI General helps you to be in control by financially protecting you. The Critical Illness Insurance Policy of SBI General covers you against thirteen major critical diseases.

SBI General Critical Illnes Policy - eligibility

Minimum Entry age is 18 years
Maximum Entry Age is 65 years

SBI General Health Insurance Review

SBI General Health Insurance sum insured
1 lac − 30 lacs options available

Incurred Claims Ratio *
77.00%

SBI General Health Insurance tenure options
1 and 3 years options available

Claims Settlement Ratio **
75.20%

List of network hospitals
6,000+ hospitals

Number of policies issued *
637,615

Maximum family floater coverage
Self, Spouse + 2 dependent children (upto age of 23 yrs)

Number of lives covered *
4,654,150

* As per IRDAI report for 2020-21 | ** As per NL25 data published on the Insurance Company website

Critical Illnes Policy overview

Key Features
Benefits
Exclusions

Key Features of SBI Critical Illnes Policy

13 Critical Illness covered	Cancer Kidney failure (End stage renal failure) Primary Pulmonary Arterial Hypertension Multiple Sclerosis Major organ transplant Coronary artery by-pass grafts Aorta Graft Surgery Heart valve surgery Stroke Myocardial infarction (First heart attack) Coma Total blindness Paralysis
Free look period	If the policy holder is not convinced of the terms and conditions of the policy, he / she will be able to cancel the policy document within 15 days of receipt.
Long time Renewability	This policy can be renewed for a life time.

Benefits of SBI Critical Illnes Policy

Coverage of 13 most critical diseases
2 plan options - 1 year and 3 years
Sum insured available up to Rs. 50 lacs
Tax Exemption under Section 80D

Exclusions of Sbi Critical Illnes Policy

Pre- Existing Illness
Waiting period of 90 days from the date of issuance of the policy.
Congenital Illness / conditions.
Suicide or intentionally self inflicted Injury or Illness.
Sexually transmitted conditions, mental or nervous disorder, Acquired Immune Deficiency Syndrome (AIDS), Human Immune deficiency Virus (HIV) infection
Being under the influence of drugs, alcohol, or other intoxicants or hallucinogens unless properly prescribed by a Medical Practitioner and taken as prescribed

SBI General Health Insurance FAQ’s

What do you mean by Cashless Hospitalization?

Under cashless hospitalization, the insured person does not settle the hospitalization expenses at the time of discharge from hospital. The settlement is done directly by us for treatment that the insured person is eligible to receive under the terms of his/her policy. This is for your convenience. However, it is important to note here that prior approval is required from us before admission into the hospital. In some cases, you may have to pay for all or part of the treatment if it is not fully covered under the terms of the policy. However, in case of emergency hospitalization, you can obtain approval post-admission. Please note that the cashless facility is available only at our Network Hospitals.

Which hospitals are covered under SBI General Health Insurance?

SBI General has an extensive network of 6000+ network hospitals across India growing steadily over the years. One must get admitted to a network hospital in order to avail cashless treatment for their illness. One can get the hospital closest to them by going through the SBI General network hospital list available on SBI General Health Insurance

How many claims can be made by the policyholders in a year from SBI General?

There is no upper limit on the number of claims during the policy period. However, the total cumulative claim amount cannot exceed the Policy Sum Insured.

What do you mean by Pre-Existing Disease?

A pre-existing disease is any condition, ailment or injury or related condition(s), for which the insured person had signs or symptoms, and /or were diagnosed, and / or received medical advice / treatment within 36/48 months prior to 1st health insurance policy issued by Us under which the insured person was covered.

Do I get some additional benefit on hospitalisation due to Accident?

In case of hospitalisation due to accident, your remaining Sum insured will become 125%, subject to maximum of INR 1,00,000/-