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The SBI Divyanga Suraksha health insurance plan provides healthcare for people with certified disabilities or pre-existing HIV disease.
This plan is specifically designed for individuals with certified disabilities, as per the Rights of Persons with Disabilities Act of 2016, India. Additionally, individuals with HIV or AIDS, certified by the Human Immunodeficiency Virus and Acquired Immune Deficiency Syndrome (Prevention and Control) Act of 2017, India, are also eligible to purchase this plan.
The available sum insured options for the SBI Divyanga Suraksha health policy are INR 4 Lakhs and 5 Lakhs. Policyholders can receive the following healthcare services:
Policyholders can claim room rent charges, including nursing, doctor's prescription, and ICU cover, against their Divyanga Suraksha policy. Room rent is covered up to 1% of the total sum insured, and ICU charges are covered up to 2% of the total sum insured. There is an availability of co-payment options up to 20%, which can be waived off with an optional cover. A key feature of this plan is that it covers modern treatment and advanced surgical procedures up to 50% of the sum insured, providing an extra layer of protection beyond basic healthcare.
This guide provides comprehensive information related to the SBI Divyanga Suraksha plan to help you make an informed decision before investing in it.
| PLAN DETAILS |
Sbi Divyanga Suraksha Plan |
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Health Care Supreme Plan |
| 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.) |
Covered | Covered |
|
Room Rent (A limit of room rent cover during hospitalization if any) |
Covered | Covered |
| Domicillary Hospitalization (It is the expenses incurred on treatment of the patient at home) |
Not Covered | Not Covered |
| Pre-hospitalization (Expenses before the insured is hospitalized) |
Covered | Covered |
| Post-hospitalization (Expenses after discharge from the hospital) |
Covered | Covered |
| Day Care Treatment Covered (Day care treatments refers to the treatments that do not necessarily require 24hrs of hospitalization like MRI.) |
Covered | Covered |
| Hospital_network (Number of Hospital Network in city) |
6000 | 18400 |
| Organ Donor Expenses (Expenses incurred on organ donor in case of organ transplants) |
Not Covered | Covered |
|
Hospital Daily Allowance (Some plans offer daily allowance to take care of expenses like food, etc) |
Not Covered | Covered |
| Ambulance Charges (Expenses incurred on ambulance charges) |
Covered | Covered |
|
Maternity Benefits (All Hospitalization cost covered at the time of pregnancy.) |
Not Covered | Covered |
| New Born Baby Covered (Newborn babies can be covered under the insurance plan after a certain period) |
Not Covered | Covered |
| Health Checkup (An added benefit of one time full health checkup of policy holder.) |
Not Covered | Covered |
|
Sub Limit (Sub-limit is a monetary capping that applies on specific diseases like cataract) |
Covered | Not Applicable |
| Co-pay (Mentioned %, if any is to be borne by Insured and rest will be borne by insurer) |
Covered | Not Applicable |
| Plan Entry Age | 18 - 65 years | 18 Years to Lifetime |
| Plan Premium Entry Age and S/A | NA | 6,000 |
| Plan Waiting Period | 30 | 90 Days |
| Plan Coverage | Individual cover | Hospitalization expenses, pre & post hospitalization, day care procedures, ambulance (road & air), OPD & organ donor expenses, maternity & newborn cover |
| Plan Sample Premium | NA | 6,000 |
| Plan Brochure | Brochure URL | Brochure URL |
| Policy Term | 1 Year | 1 | 2 | 3 Years |
| ICU Charges | Covered | Covered |
| Covid-19 Treatment | Covered | Covered |
| Cataract | Covered | Covered |
| Automatic Restoration | Not Covered | Not Covered |
| Ayush Treatment | Covered | Covered |
| Modern Treatment | Covered | Covered |
| E Consultation | Not Covered | Not Covered |
| Air Ambulance | Not Covered | Covered |
| Global Coverage | Not Covered | Not Covered |
| Claim Ratio | - | 99.23 |
| Solvency Ratio | 2.03 | 3.25 |
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