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Loan Insurance Policy
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VS
Special Care Plan
SBI Loan Insurance policy offers comprehensive coverage to the policyholder and helps them to repay their loan in case of medical emergencies arising due to critical illnesses or accidents, that lead to loss of job or death.
The plan proves to be useful in meeting the primary cause affecting loan repayment and relieves the policyholder from the stress of debt dealing. Read along to explore more about the plan.
| PLAN DETAILS |
Loan Insurance Policy |
Special Care Plan |
| Premium Including GST | ||
| Product Type | Individual | Individual and Family Health Insurance |
| Key Features (Key features of the plan) |
|
|
| OPD Details (In some policies, OPD (Out patient department) expenses are also covered.) |
- | Not Covered |
|
Room Rent (A limit of room rent cover during hospitalization if any) |
- | Covered |
| Domicillary Hospitalization (It is the expenses incurred on treatment of the patient at home) |
- | Not Covered |
| Pre-hospitalization (Expenses before the insured is hospitalized) |
- | Not Covered |
| Post-hospitalization (Expenses after discharge from the hospital) |
- | Covered |
| Day Care Treatment Covered (Day care treatments refers to the treatments that do not necessarily require 24hrs of hospitalization like MRI.) |
- | Covered |
| Hospital_network (Number of Hospital Network in city) |
6000 | 14000 |
| Organ Donor Expenses (Expenses incurred on organ donor in case of organ transplants) |
- | Not Covered |
|
Hospital Daily Allowance (Some plans offer daily allowance to take care of expenses like food, etc) |
- | Not Covered |
| Ambulance Charges (Expenses incurred on ambulance charges) |
- | Covered |
|
Maternity Benefits (All Hospitalization cost covered at the time of pregnancy.) |
- | Not Covered |
| New Born Baby Covered (Newborn babies can be covered under the insurance plan after a certain period) |
- | Not Covered |
| Health Checkup (An added benefit of one time full health checkup of policy holder.) |
- | Not Covered |
|
Sub Limit (Sub-limit is a monetary capping that applies on specific diseases like cataract) |
- | Applicable |
| Co-pay (Mentioned %, if any is to be borne by Insured and rest will be borne by insurer) |
- | Applicable |
| Plan Entry Age | 18 years to 65 years | 1 to 25 Years |
| Plan Premium Entry Age and S/A | 2,000 | 4800 |
| Plan Waiting Period | 90 | 30 |
| Plan Coverage | Critical Illness/Accident/Job Loss | - |
| Plan Sample Premium | NA | - |
| Plan Brochure | Brochure URL | Brochure URL |
| Policy Term | 1/2/3 Years | 1 year |
| ICU Charges | - | Covered |
| Covid-19 Treatment | - | Not Covered |
| Cataract | - | Not Covered |
| Automatic Restoration | - | Not Covered |
| Ayush Treatment | - | Not Covered |
| Modern Treatment | - | Covered |
| E Consultation | - | Not Covered |
| Air Ambulance | - | Not Covered |
| Global Coverage | - | Not Covered |
| Claim Ratio | - | 99.06 |
| Solvency Ratio | 2.03 | 2.21 |
|
Star Health Insurance Plan Detailed Review |
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