SBI Critical Illness Policy - Eligibility, Benefits and Buy Online
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SBI Critical Illness Policy

The SBI Critical Illness Policy provides financial protection against ...Read More

Up to 2 Cr
Sum insured
141+
Pan India presence
-%
Claim settlement ratio
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🏥 6,000+ hospitals
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✅ -% claim settlement
Written by Simran saxena
Reviewed by Raj Kumar
Published: 15 Nov 2024
Updated: 27 Jul 2026
Expert Verified
IRDAI Licensed

Overview

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 a Sum Insured of up to 10 Lakh.

Video reviews

Walkthroughs from the PolicyX team — pros, cons, real claim experiences and who should buy.

SBI CRITICAL ILLNESS POLICY | Best Critical Illness Plans 2026 | SBI Health Insurance

SBI CRITICAL ILLNESS POLICY | Best Critical Illness Plans 2026 | SBI Health Insurance

This video explains the SBI Critical Illness Policy, a specialized health insurance plan designed to provide financial protection beyond standard hospitalization coverage.

Exclusions

Permanent diseases or health conditions that are not included under the Critical Illness plan are:

  • Hospitalisation due to war, riot, strike, and nuclear weapons.
  • Intentional self-injury.
  • AIDS.
  • Miscarriage and abortion.
  • Congenital diseases.
  • Infertility and in-vitro fertilisation.

Sample Premium Illustration of SBI Critical Illness Plan

To understand how much premium one needs to pay, let us go through the example below, illustrating sample premiums for different family sizes.

1 Adult

Sum Insured (in Rs.) 3 Lakh 5 Lakh 7 Lakh 10 Lakh
Premium Payable 357 595 833 1190

Plan at a glance

Eligibility, sum insured options and policy mechanics — pulled straight from the policy wording.

Entry age
18 years to 65 years
Plan type
Critical Illness Health Insurance
Sum insured options
₹3 L, ₹5 L, ₹7 L, ₹10 L
Waiting period
90 days
Renewability
NA
Policy term
1/2/3 years

*Initial Waiting Period is the time period between the issuance of the policy and the time it starts actively. During this period, a policyholder has to wait to avail of the benefits offered under a health insurance plan.

Pros & cons

A quick honest summary — the strengths and the trade-offs.

Pros

  • 13 critical illnesses
  • COVID-19 covered
  • Air ambulance services

Cons

  • Maternity cover
  • OPD and daycare unavailable
  • Global cover unavailable

SBI Health Insurance Network Hospital List

SBI Health Insurance Network Hospitals are present in 31 states nationwide. With a wide network of hospitals, SBI Health Insurance ensures that you are medically secured, irrespective of the city you reside in.

Delhi Mumbai Bengaluru Chennai Kolkata Hyderabad Pune Ahmedabad Jaipur Lucknow

Know More About Network Hospitals →

Who can buy this plan

Eligibility criteria pulled straight from the policy wording.

  • Entry age: 5 years to No limit. Sum Insured: 3 to 10 Lakhs. Initial waiting period: 90 days.

Frequently Asked Questions

The 9 most-asked questions about SBI Critical Illness Policy, answered.

You are covered against 13 critical illnesses under SBI critical Illness Policy namely: Cancer of Specified Severity Open Chest CABG Aorta Graft Surgery Open Heart Replacement or Repair of Heart Valves Stroke Resulting in Permanent Symptoms First Heart Attack of Specified Severity Kidney Failure Requiring Regular Dialysis Primary Pulmonary Arterial Hypertension Major Organ/ Bone Marrow Transplant Multiple Sclerosis with Persisting Symptoms Coma of Specified Severity Total Blindness Permanent Paralysis of Limbs
Under SBI Critical Illness Policy you will receive a minimum cover of Rs. 3,00,000 and a maximum cover of Rs. 10,00,000
Yes, Health Check-up is applicable for all Insureds older than 45 years as well as in case of any pre-existing disease as declared on the proposal form irrespective of age and Sum Insured.
1 year / 3 years as chosen by the Proposer. A policy with a 3-year term can be renewed or offered till the age of 57 years only. Beyond 57 years of age, all renewals for existing 1-year/3-year policies will be allowed for a 1-year term only.
Any Pre- Existing Diseases or related condition(s).
The minimum entry age is 18 years and the maximum entry age is 65 years.
To make a claim you can use the following information: Call on toll-free numbers: - 1800 22 1111/1800 102 SMS: - 1111 "CLAIM" to 561612 Email: - [email protected]
Yes, there are some permanent exclusions in the plan such as: Hospitalization out of war, riot, strike, and nuclear weapons Intentional self-injury AIDS Miscarriage, and abortion Congenital disease Infertility, and in vitro fertilization
Critical Illness policy covers an insured individual against the listed critical illnesses given in the policy wordings/ document.

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