Sbi Critical Illness Insurance Policy vs Medicare Plan 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

Medicare Plan

Product Type Critical Illness Health Insurance Individual and Family Health Insurance
Key Features
(Key features of the plan)
  • Coverage for Cancer
  • Eligibility Criteria
  • Inclusions and Exclusions
  • Vaccination Covered
  • AYUSH Covered
  • Quick Claim Process
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 11000
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.)
- 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.)
- Covered
Sub Limit
(Sub-limit is a monetary capping that applies on specific diseases like cataract)
- Not Covered
Co-pay
(Mentioned %, if any is to be borne by Insured and rest will be borne by insurer)
- Not Covered
Plan Entry Age 18 years to 65 years 90 days - No limit
Plan Premium Entry Age and S/A 357 3762
Plan Waiting Period 90 30 days
Plan Coverage Individual/Family floater -
Plan Sample Premium 357 3762
Plan Brochure Brochure URL Brochure URL
Policy Term 1/2/3 years 1, 2, 3, years
ICU Charges - Covered
Covid-19 Treatment - Covered
Cataract - Not Covered
Automatic Restoration - Covered
Ayush Treatment - Covered
Modern Treatment - Covered
E Consultation - Not Covered
Air Ambulance - Not Covered
Global Coverage - Covered
Claim Ratio - -
Solvency Ratio 2.03 1.81
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