SBI Health Insurance

Sbi Arogya Premier Policy

A health insurance plan introduced by SBI to meet the medical cost that is touching the sky. This rising cost makes an individual financially weaker as he spends most of his regular income in paying medical expenses and he is left with nothing to feed his family.

However, this situation can be avoided through SBI General Arogya Premier policy where all the medical expenses generated through hospitalization/ consultation/ transplantation are borne by the insurer/ company.

What Medical Expenses Are Covered?

• Pre-Hospitalization: Cost that forms before the hospitalization of the insured are also covered which include diagnostic reports, doctor consultation, medications, etc.
• In-Patient Hospitalization: The total expenses formed out of the treatment of diagnosed illness/ ailment/ accident will be provided coverage from the sum insured chosen on purchase. The cost that consist in-patient hospitalization is-
• 1. Room rent, boarding expenses
  2. Nursing expenses
  3. Intensive care unit
  4. Medical practitioners fees
  5. Anesthesia, blood,oxygen,operation theatre expenses, surgical appliances, diagnostic charges,medicines & consumables, and x-ray, dialysis, radiotherapy,chemotherapy, Physiotherapy, prosthesis/internal implants that are must for successful operation.
  6. Drugs, ordinary splints, medicines, dressing and plaster casts availed during the hospitalization period
  7. OPD expenses arising from OPD consultation and treatment.
• Post-hospitalization: The expenses occurring after the actual hospitalization are covered for a maximum period of 90 days. The payment is realized after the claim is accepted by SBI Health on a reimbursement basis.
• Daycare procedures: The medical processes that are accomplished within a day are also covered. The company has listed 142 daycare procedures such as cataract, piles, tonsils, ulcers etc.
• Maternity Expenses: The expenses emerging out of the delivery of a child are covered such as OPD expenses for the treatment of mother till the discharge date.
• Emergency Ambulance: For quick and easy transportation of the insured person who is not medically fit to travel to a hospital by self and need immediate evacuation through the service of ambulance. The coverage provided will be either equal to the actual amount or the Rs 5000 per hospitalization whichever is less. The total coverage throughout the policy term is Rs 1 lakh.
• Organ Donor Expenses: This cover will function only when the insured is recommended and necessitated by a medical professional for organ transplantation. The in-patient treatment of the person who is donating a particular organ will be covered.
• Reloading of sum insured: Even if you have exhausted your total sum insured, your cover will still continue and your consumed sum insured will automatically get restored/ reloaded.
• Alternative Treatment: Treatment at any center of Ayurveda, Unani, Homeopathy and Siddha are also covered where the organization must be recognized and registered with the central government or Quality Council of India.
• Cumulative Bonus: SBI General Arogya Premier plan rewards you for completing one or more years without making any claim during a particular year. A maximum discount equal to 50% of the sum insured will be given in a whole policy term.

Sbi Arogya Plus Policy

Sometimes critical illnesses becomes your partner for whole life if it is not paid due attention at its initial stage. SBI General Arogya Plus policy is a plan made to support the insured to meet the rising medical cost for the treatment of serious illness and other routine medical expenses. This plan will include coverage for a handful of medical cost may happen to an individual.

What Medical Expenses Are Covered?

• In-Patient Hospitalization: The expense occurred over the treatment of a specific illness/ accident at any network hospital/ Non-network hospital will be covered. The medical costs come under the umbrella of in-patient hospitalization are listed below-
• 1. Intensive care unit
  2. Medical practitioners fees
  3. Nursing expenses
  4. Room rent, boarding expenses
  5. Anesthesia, blood,oxygen, surgical appliances,operation theatre expenses, medicines & consumables,chemotherapy,diagnostic charges and x-ray, dialysis, physiotherapy,radiotherapy, prosthesis/internal implants that are must for successful operation.
  6. Ordinary splints,Drugs,dressing,medicines, and plaster casts availed during the hospitalization period
  7. OPD expenses arising from OPD consultation and treatment.
• Pre-Hospitalization: Before stepping into the hospital for availing a treatment, the insured has to meet with necessary expenses like diagnostic procedures, doctor consultations, medications, etc that become obligatory. These pre-hospitalization expenses are covered under this plan.
• Post-hospitalization: Once the insured patient is freed from the supervision of a medical expert/ attending hospital after the inpatient treatment has been carried out, the expenses related to the recovery of a treated illness may arise. This may involve pharmaceuticals, Vaccinations, medical consultations, etc and are covered for 90 days starting from discharge date.
• Daycare procedures: The illness/ ailments/ injuries that are rectified within 24 hours or a day due to development in technology are termed as day care procedures. The insured will receive proper compensation for the expense incurred over 142 daycare processes.
• Maternity Expense: Maternity coverage will allow the female insured person to get financial support during the delivery of child and up to a maximum of two deliveries for the whole policy term.
• Ambulance charges: For hospitalization to the hospital, the company will provide proper transportation facility for emergency cases. A maximum of Rs 1500 can be claimed during a policy period.
• Alternative treatment: Some people rest their trust more on the treatment and traditional practices of Ayurveda, Unani, Siddha, and Homeopathy for some ailments.
  Through this plan, SBI Health gives you the freedom to get treated at any government recognized AYUSH centers where the insured can get compensation on a reimbursement basis.

Sbi Arogya Top Up

The plan grooms you for the future medical emergencies by giving basic with extra coverage for increasing rates of medical facilities due to medical advancements. This SBI health plan has been made to meet pre-decided hospitalization cost as well emergency hospitalization where insured is guaranteed a payment of the sum insured on event of hospitalization.

What Medical Expenses Are Covered?

• Pre-Hospitalization: The hospitalization occurring before the actual admission of insured to the hospital for the treatment of a specific illness.
• In-Patient Hospitalization: The insured will receive due coverage for the treatment taken at network hospitals where insured have to meet various hospitalization charges provided below-
• 1. Room rent, boarding expenses
  2. Nursing expenses
  3. Intensive care unit
  4. Medical practitioners fees
  5. Anesthesia,blood, oxygen, surgical appliances, medicines & consumables, operation theatre expenses, diagnostic charges and x-ray, chemotherapy,dialysis, physiotherapy, prosthesis/internal,radiotherapy, implants that are must for successful operation.
  6. Drugs, dressing, medicines, ordinary splints, and plaster casts availed during the hospitalization period
  7. OPD expenses arising from OPD consultation and treatment.
• Post-hospitalization: After getting treated for an illness/ injury, the insured may have to incur certain post-hospitalization cost for the fast recovery of the treated illness. The expenses will include pharmacy bills, doctor consultation, etc covered for 90 days only after the discharge has been issued.
• Daycare procedures: The medical process that does not require much time to get treated and are corrected within a time limit of 24 hours.
• Maternity Expense: This will include all the necessary charges related to the delivery of a child such as OPD expenses.
• Ambulance charges: Ambulance facility will be provided if an emergency arises in which insured need timely transportation to the nearby hospital for the cure of illness/ injury/ accident/ ailment.
• Organ Donor Expenses: The organ donor expenses which took place during in-patient hospitalization of the organ donor for transplantation are covered. The insured person must be the recipient of the organ donated and the whole process is under the consultation of a medical professional.
• Alternative Treatment: The insured is given an alternative treatment facility where services of Ayurveda, Unani, and Homeopathy can be utilized for soundness of health. The organization in which these medical services availed must be registered with the government of India or Quality Council of India and must qualify the required eligibility imposed by the insurer.

Sbi Hospital Daily Cash Insurance

The policyholder buying this SBI Health plan will receive daily cash for the hospitalization happened due to an illness or accident for a fixed period of time.

The coverage is provided in two different ways from which the insured has to choose one-

• 30 days coverage: Under this coverage, there are four plans respectively-
• 1. Rs 500 Plan
  2. Rs 1000 Plan
  3. Rs 1500 Plan
  4. Rs 2000 Plan
• 60 days coverage: Just as 30 days coverage, it also includes four types of plan-
• 1. Rs 500 Plan
  2. Rs 1000 Plan
  3. Rs 1500 Plan
  4. Rs 2000 Plan

What Medical Expenses Are Covered?

• Daily Cash Benefit: The insured getting treatment for any kind of illness or accident is promised to receive daily cash depending upon the kind of hospitalization-
• 1. Hospitalization due to sickness: A guaranteed daily cash amount between Rs 500 to Rs 2000 is given based on the coverage opted.
  2. ICU Hospitalization: Daily cash will be supplied for a maximum period of 7 days if the ICU facility has been availed for treatment.
  3. Accidental Hospital Confinement: A sum which is twice the hospital cash per day will be given for accidental injuries up to 5 days maximum per hospitalization and 10 days per policy period.
• Convalescence Expenses: The insured under this option will receive 3 times of daily cash limit if the hospitalization exceeds a continues for 10 consecutive days.
• Coverage of various illnesses: Tonsillectomy, Hernia, piles,internal or external tumor /cyst/nodule, fistula, Benign Prostatic Hypertrophy, cataract, Hypertension, Diabetes, Sinusitis,Heart Disease, nasal disorders, Renal failure, Non-infective Arthritis,etc. are covered but after a waiting period of 1 or 2 years.

Other Unique Features:

There are some features that distinguish the plan from other SBI health insurance Plans-

• Lower rates of Premium: The premium rates are highly cheaper starting from Rs 335 per year for 30 days coverage and Rs 408 for 60 days coverage.
• No Pre-Policy Health Checkup: The Insured below the age of 45 years do not have to undergo medical check-ups. Anybody above may have to appear for the same where the SBI Health will reimbdisxtinnguishurse 50% of sum insured.

Sbi Group Health Insurance

Whether it is the needs of a family or an individual, this plan covers all the medical expenses specific to a particular person and liberates you from the tension of paying huge costs for medical facilities. Moreover, the insured person is not required to appear for any medical test before the policy purchase if they are below 65 years.

What Medical Expenses Are Covered?

• In-patient hospitalization Cost: Expenses that prevails at time of treatment of an illness/ injury in a local hospital. The cost that is covered is illustrated below along with the amount of sum insured given for each expense-
• 1. Room boarding and Nursing charges will receive 1% every day for Non-ICU and 2% per day for availing ICU facility.
  2. Medical practitioners/ specialists fees and other incidental Expenses will be fully compensated.
  3. Anesthesia, Oxygen, Blood,Operation Theatre Charges, Surgical Appliances, Physiotherapy, Diagnostic Materials,Medicines & Drugs, and X‐ray, Dialysis, Radiotherapy, Cost of Pacemaker,Chemotherapy, prosthesis/internal implants and other cost will be accepted by the SBI General for payment.
• Pre-hospitalization: The hospitalization that occurs 30 days preceding the date of admission into the hospital.
• Post-hospitalization: The hospitalization pops up after the in-patient treatment and discharge has been allotted are covered.
• Daycare Procedures: Illnesses/ ailments which are repaired in a shorter time period i.e. within 24 hours are fully covered. Illnesses covered are Dialysis, Chemotherapy, Radiotherapy, Eye Surgery, Dental Surgery (Due to accident), Tonsillectomy, etc.
• Ambulance Charges: A monetary value equivalent to Rs 1500 or 1% of the sum insured will be paid for using the service of the ambulance for cases requiring immediate medical attention.
• Domiciliary Hospitalisation: Treatment which has been operated at home will also covered and an amount equal to Rs 2000 or 20% of the sum insured will be paid on the condition that the process has been reported to the company. Treatment can be availed only if the insured health condition is highly feeble and cannot be transferred to hospital OR hospital bed is not available.

Sbi Loan Insurance Policy

This insurance cover will help you in the payment of loan amount taken for the purchase of home by offering financial protection from Critical Illness, Personal Accident, Loss of employment which is uncertain and can happen at any point of time.

What Medical Expenses Are Covered?

• Critical Illness Cover: The insured will get coverage from 13 critical illnesses whose treatment can involve a whole lot of money. The illnesses listed are-
• 1. Coma
  2. Paralysis
  3. Aorta Graft Surgery
  4. Kidney Failure (End Stage Renal Failure)
  5. Primary Pulmonary
  6. Major Organ Transplant
  7. Coronary Artery Bypass Graft
  8. Heart Valve Surgery
  9. Stroke
  10. Myocardial Infarction (First Heart Attack)
  11. Cancer
  12. Total blindness
  13. Multiple Sclerosis Arterial Hypertension
• Personal Accident: The insured will receive 100% of the total expense arrived on the event of accidental death or permanent total disability. The coverage will be provided as reflected in the table given below-
• 1. For Loss of Sight (both eyes): 100% of the compensation on actual expense amount.
  2. For Loss of one hand or one foot/ both hands/ both feet where the organ is separated from body: 100% of the compensation on actual expense amount
  3. For paralysis of one hand or one feet or both hands or feet where the organ is not separated from the body but has stopped function: 100% of the compensation on actual expense amount.

Other Unique Benefits:

• Coverage during loss of Employment/ Job: If a person becomes temporarily or permanently unemployed during the policy term, then a maximum of 3 EMIs will be paid in favor of the loan amount taken.
• 3 years maximum coverage: As it is loan insurance and loan will not sustain for whole life. So, this cover gives maximum coverage for 3 years to give freedom and flexibility.
• No pre-policy medical screening: The insured below the age of 45 years are exempted from presenting any
• Two Sum Insured Options: This plan offers two sum insured options i.e. Fixed and Reducing.

Sbi Critical Illness Insurance Policy

This plan saves your family untimely death due to critical illness investigated for the first time by a medical professional. A coverage amount will be paid if the insured who is fighting with the diagnosed disease survives for more than 28 days starting from the date of primary diagnosis.

What Medical Expenses Are Covered?

The sum insured will be provided to the insured person, if he/ she is detected with any of the following diseases as pointed below-

• Total Blindness
• Permanent Paralysis of Limbs
• Open Chest Bag
• Aorta Graft Surgery
• Stroke Resulting in Permanent Symptoms
• First Heart Attack of Specified Severity
• Kidney Failure Requiring Regular Dialysis
• Cancer of Specified Severity
• Primary Pulmonary Arterial Hypertension
• Major Organ/ Bone Marrow Transplant
• Multiple Sclerosis with Persisting Symptoms
• Coma of Specified Severity
• Open Heart Replacement or Repair of Heart Valves

Exclusions

• Cosmetic or aesthetic treatments of any description, surgery for change of life/gender, Lasik treatment for refractive error.
• wheelchairs,Cost of spectacles, hearing aids, crutches,contact lenses, artificial limbs, dentures, artificial teeth and all other external appliances.
• Suicides or involving self-destruction activities.
• Illness arising due to consumption of hallucinogenic stuff /sedatives, alcohol, tobacco etc.
• Injuries caused due to participation in war, foreign attack, insurrection, military, radioactivity etc.
• Treatment of sterility, infertility, subfertility or any other condition.
• Weight management treatments or obesity