Sbi Critical Illness Insurance Policy vs Individual Mediclaim Policy Health Insurance Plan 2026 | PolicyX

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SBI Critical Illness Insurance Policy offers you financial protection from 13 important critical illnesses. This policy provides a fixed sum, irrespective of your actual medical expenses, enabling you to stay financially secure and focus on your health. The policyholder can avail Sum Insured up to 10 Lakh.

PLAN DETAILS

Sbi Critical Illness Insurance Policy

Individual Mediclaim Policy

Product Type Critical Illness Health Insurance Individual
Key Features
(Key features of the plan)
  • Coverage for Cancer
  • Eligibility Criteria
  • Inclusions and Exclusions
  • AYUSH Benefits Covered
  • Inclusions and Exclusions
  • Lifetime Renewability
OPD Details
(In some policies, OPD (Out patient department) expenses are also covered.)
- 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)
- Covered
Pre-hospitalization
(Expenses before the insured is hospitalized)
- 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 4000
Organ Donor Expenses
(Expenses incurred on organ donor in case of organ transplants)
- Covered
Hospital Daily Allowance
(Some plans offer daily allowance to take care of expenses like food, etc)
- Covered
Ambulance Charges
(Expenses incurred on ambulance charges)
- Covered
Maternity Benefits
(All Hospitalization cost covered at the time of pregnancy.)
- Covered
New Born Baby Covered
(Newborn babies can be covered under the insurance plan after a certain period)
- 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)
- Covered
Co-pay
(Mentioned %, if any is to be borne by Insured and rest will be borne by insurer)
- Covered
Plan Entry Age 18 years to 65 years 18 to 65 Years
Plan Premium Entry Age and S/A 357 2,933
Plan Waiting Period 90 30
Plan Coverage Individual/Family floater -
Plan Sample Premium 357 2,933
Plan Brochure Brochure URL Brochure URL
Policy Term 1/2/3 years 1 Year
ICU Charges - Covered
Covid-19 Treatment - Covered
Cataract - Covered
Automatic Restoration - Not Covered
Ayush Treatment - Covered
Modern Treatment - Covered
E Consultation - Covered
Air Ambulance - Covered
Global Coverage - Not Covered
Claim Ratio - 91.62
Solvency Ratio 2.03 -1.03
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