|Ambulance charges||1% of SI up to a max of Rs. 1500.|
|Domiciliary Hospitalisation||Reasonable and Customary Charges towards Domiciliary Hospitalisation as defined in Policy subject to 20% of the Sum Insured maximum up to Rs. 20000 whichever is less.|
|Co-Payment on claims in non-network hospitals||10% on all eligible admissible claims.|
|Cashless facility||Across SBI General's Network Hospitals|
|Day Care Surgery procedures||Covers select Day Care Surgery where less than 24 hours hospitalisation for specified procedures like Dialysis, Chemotherapy, Radio therapy, Eye Surgery, Dental Surgery (Due to accident), Tonsillectomy, etc are covered.|
|Room boarding and Nursing charges ICU Charges||1%/day for Non ICU and 2%/day for ICU. All incremental Expenses pertaining to room rent, medical practitioners / specialists fees and other incidental Expenses to be borne by the insured.|
|Pre-hospitalisation Expenses Coverage||30 days prior to date of admission into the hospital.|
|Post-hospitalisation Expenses Coverage||60 days after the date of discharge from the hospital.|
It refers to payment of the Medical Expenses incurred by the insured, immediately 30/60 days before and 60/90 days after Hospitalization.
It refers to payment of the Medical Expenses incurred by the insured while undergoing Specified Day Care Procedures/ Treatment (as mentioned in the Day Care Surgeries list), which require less than 24 hours Hospitalization.
Pre-acceptance Health check is not mandatory for people who are less than 45 years old and without any history of illness. Insured’s with following condition, acceptance of proposal is subject to a satisfactory medical examination as per SBI General’s requirements: Insured with adverse medical history as declared in Proposal Form or, Insured aged above 45 years & irrespective of SI. The cost of Pre-acceptance medical tests has to be borne by the proposer. However, if the proposal is accepted by Us, we will reimburse 50% of the cost incurred towards the medical tests so undertaken at our advice.
The medical tests can be conducted at any designated centers identified by SBI General.
Premium for Family Floater Policy is calculated basis the age of the oldest member of the family to be insured.
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