Critical Illness Insurance Policy
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  • Inclusions and exclusions
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SBI Critical Illness Policy

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

SBI Critical Illness Plan Specifications

Entry Age

Minimum: Children- 91 days to 5 years Adult: 5 years

Entry Age Max.

Maximum: No age bar

Policy Term

1/2/3 years

Plan Type

Individual/ Family Floater

Sum Insured

3 L | 5 L | 7 L | 10 L

Initial Waiting Period*

90 Days*

*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.

Read more specifications in the brochure.

Choose your SBI Critical Illness Plan

With wide coverage options, SBI critical Illness plan lets you customize your health insurance plan as per your requirements:

Coverage for SI: 3L-10L

In-patient & Out-patient Coverage

Room Rent

Not Available

ICU Charges

Not Available

Pre-Hospitalization

Not Covered

Post-Hospitalization

Not Covered

Domiciliary Hospitalization

Not Covered

Daycare Treatment

Not Covered

OPD Charges

Not Covered

Coverage Terms

COVID-19 Treatment

Not Covered

Cataract

Not Covered

No Claim Bonus

Not Available

Automatic Restoration

Not Available

Daily Hospital Cash

Not Available

Organ Donor

Not Covered

Maternity Cover

Not Available

New Born Baby Cover

Not Available

Alternative Treatments

AYUSH Treatment

Not Covered

IVF Treatment

Not Available

Modern Treatment

Not Available

Emergency Coverage

Ambulance

Not Available

Air Ambulance

Available

Compassionate Travel

Not Available

Global Coverage

Not Available

Wellness Programmes

E-Consultation

Not Available

Health Check-Up

Not Available

Second Medical Opinion

Not Available

Vaccination

Not Available

Limitations

Co-payment

Not Applicable

Sub-limits

Not Available

What is Room Rent?

The room rent limit is the maximum amount of bed charge that you can claim if you are hospitalized.

Common Room categories covered under room rent are:

  • Private Single AC Room
  • Twin Sharing
  • General Ward

Coverage status under SBI Critical Illness Plan?

Under SBI Critical Illness Plan, the room rent is not covered.

What are ICU Charges?

It is a special department in the hospitals where patients with serious medical conditions are treated.

Coverage status under SBI Critical Illness Plan?

Under this plan, ICU charges are not covered.

What is Pre Hospitalization?

Medical expenses incurred before the hospitalization of the policyholder.

Coverage status under SBI Critical Illness Plan?

This plan does not cover medical expenses incurred during pre-hospitalization.

What is Post Hospitalization?

Medical expenses incurred after the discharge of the policyholder from the hospital.

Coverage status under SBI Critical Illness Plan?

This plan does not cover medical expenses incurred during post-hospitalization.

What is Domiciliary Hospitalization?

Home hospitalization arrangements for the insured person due to the unavailability of medical amenities in hospitals. The treatment should last equal to or more than 72 hrs to get financial coverage.

Coverage status under SBI Critical Illness Plan?

Under SBI Critical Illness Plan, domiciliary hospitalization are not covered.

What is Daycare Treatment?

Treatments that can be treated in less than 24 hours of hospitalization like blood dialysis, cataract, etc.

Coverage status under SBI Critical Illness Plan?

This plan does not cover the expenses of any daycare procedures.

What are OPD charges?

Covers the cost of doctor consultation and prescribed medical tests that may not require hospitalization.

Coverage status under SBI Critical Illness Plan?

Not covered under the plan.

What is COVID-19 Treatment?

COVID-19 treatment includes the cost of treatment for COVID-19 with a confirmative diagnosis from Govt. approved Centre.

Coverage status under SBI Critical Illness Plan?

COVID-19 treatment cover is unavailable under this plan.

What is Cataract Treatment?

A common eye condition in which your vision gets blurred.

Coverage status under SBI Critical Illness Plan?

The plan does not cover Cataract Treatment.

What is a No-Claim Bonus?

For every claim-free year, insurance companies reward policyholders with an increase in the Sum Insured amount as a no-claim bonus on policy renewal. However, in the case of a claim, this bonus amount either lapses or is reduced by a certain percentage that varies from plan to plan.

Coverage status under SBI Critical Illness Plan?

The plan does not offer a No Claim Bonus.

What is Automatic Restoration?

Automatic restoration is a benefit in which an insurance company restores the sum insured amount completely or up to a certain percentage after it gets fully exhausted in treatments. This restoration amount may vary from plan to plan.

Coverage status under SBI Critical Illness Plan?

Not Available.

What is Daily Hospital Cash?

It is a cash amount that you receive each day during the time of hospitalization.

Coverage status under SBI Critical Illness Plan?

The daily hospital cash is not available under the plan.

What is an Organ Donor Cover?

It is a cover that includes the cost of the procedure for removing the damaged or malfunctioning organs from the body.

Coverage status under SBI Critical Illness Plan?

Under the plan, Organ Donor expenses are not covered

What is a Maternity Cover?

It refers to the cover that includes expenses for normal and c-section procedures deliveries.

Coverage status under SBI Critical Illness Plan?

Not covered

What is a New Born Baby Cover?

It takes care of the medical expenses that arise due to the hospitalization of the newborn baby in case of unforeseen circumstances. Some of the common treatments that are covered under the newborn cover and these common treatments can vary from plan to plan:

  • Congenital anomaly (conditions since birth)
  • Acute condition
  • Chronic condition
  • Pre-mature delivery
  • Birth asphyxia
  • Day care treatment

Coverage status under SBI Critical Illness Plan?

Not covered

What is AYUSH Treatment?

Refers to the cost of medicines and procedures used under AYUSH (Ayurveda, Yoga & Naturopathy, Unani, Siddha, and Homeopathy) treatment.

Coverage status under SBI Critical Illness Plan?

Not Covered

What is IVF Treatment?

In Vitro Fertilization (IVF) is a method of assisted reproductive technology. The common expenses incurred under IVF and infertility treatments are for:

  • Full infertility
  • No fertility
  • Infertility diagnosis
  • Infertility diagnosis and limited fertility treatment
  • Medication (which may or may not include fertility drug prescriptions)

Coverage status under SBI Critical Illness Plan?

Not available

What is a Modern Treatment?

Medical treatments that demand the use of modern technology such as robotic surgeries, stem cell therapy, etc.

Coverage status under SBI Critical Illness Plan?

Not Covered

What is an Ambulance Cover?

An ambulance is used to move the patient from home to hospital, transfer to another hospital, and take them for different tests outside the hospitals.

Coverage status under SBI Critical Illness Plan?

Not Covered

What is an Air Ambulance?

Air ambulances are specially prepared planes that transfer the patient from one place to another in case of a health emergency.

Coverage status under SBI Critical Illness Plan?

Not Covered

What is Compassionate Travel?

Refers to the traveling expenses of a family member of the insured person in case the policyholders get admitted to a hospital outside his/her residential city.

Coverage status under SBI Critical Illness Plan?

Not available

What is Global Coverage?

Any kind of medical/health emergency when you are outside of India.

Coverage status under SBI Critical Illness Plan?

Not available

What is E-Consultation?

If a policy offers E-consultation it allows policyholders to connect with a doctor for medical consultation through video chat, audio call, or chatbot.

Coverage status under SBI Critical Illness Plan?

The plan does not cover the expenses for E-consultation.

What is a Health Checkup?

A facility where the policyholder can avail free health check-ups after fulfilling the company's policies.

Coverage status under SBI Critical Illness Plan?

Not Covered

What is a Second Medical Opinion?

If the policyholder wants, they may opt for a second medical opinion wherein the policyholder can consult another doctor within the company’s network of medical practitioners.

Coverage status under SBI Critical Illness Plan?

Not Covered

What is Vaccination cover?

Coverage against the expenses incurred on vaccinations is provided by the insurance companies.

Coverage status under SBI Critical Illness Plan?

The plan does not cover vaccination expenses.

What is Co-payment?

In the co-payment clause, policyholders have to pay a portion of the hospitalization expense on their own and the insurer will pay the rest of the amount.

Status under SBI Critical Illness Plan?

Co-payment is not applicable.

What is the Sub limit?

Sub limit is a condition in which the insurer will have to pay the medical expense up to a certain percentage and the remaining amount will have to be paid by the policyholder.

Status under SBI Critical Illness Plan?

No sub-limits are available

SBI Critical Illness Plan Exclusions

Permanent Exclusions

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

Hospitalization out of war, riot, strike, and nuclear weapons

Intentional self-injury

AIDS

Miscarriage, and abortion

Congenital disease

Infertility and in vitro fertilization

Sample Premium Illustration of SBI Critical Illness Plan

To understand how much premium an amount one needs to pay, let us go through the below example wherein we have illustrated the sample premiums for different family sizes.

1 Adult

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

Explore SBI General Health Insurance

Know more about SBI Critical Illness Health Insurance, its claim process, buying process, and contact details by clicking on the sections below:

Contact Us

Feel free to contact us SBI Critical Illness Health Insurance Company

Renewal Process

the renewal process of SBI General Health Insurance Company

Premium Calculator

Click to know calculate SBI General Health Insurance Premium.

Explore other SBI Critical Illness Health Plans

SBI Critical Illness Health offers a wide range of health insurance plans to fulfill the medical needs of individuals, families, and senior citizens.

Top-up policy

The policy comes into action post exhaustion of your current health plan and provides affordable premiums with various benefits.

Unique Benefits

  • Maternity Expenses covered
  • Ambulance coverage up to 5K
  • Coverage up to 50 Lakhs

Critical Illness policy

The plan offers coverage against 13 critical illnesses & financial support irrespective of the actual medical expenses, & comes with two policy tenures enabling customization.

Unique Features

  • Entry Age upto 65 years
  • Free-look period of 15 days
  • Coverage of up to 10 Lakh

Hospital Daily Cash

SBI Hospital Daily Cash Insurance Policy

The policy provides a fixed amount to the claimant for each day of hospitalization and expenses like traveling, food, and much more.

Unique Features

  • 4 daily benefit amount options
  • Hospital confinement expenses
  • Convalescence expenses

Loan Insurance Policy

SBI Loan Insurance policy helps you to repay your outstanding loan in case you are a victim of any of the listed 13 critical illnesses/accidental death/unemployment.

Unique Features

  • No Medical Tests required
  • Sum Insured of Rs.1 Crore
  • Available for a maximum of 3 years

Comprehensive Plan

SBI Arogya Supreme

A comprehensive health insurance plan that offers a 15% increase in cumulative bonus for every claim-free year and comes with 8 optional coverage options.

Unique Features

  • Bariatric Surgery cover
  • 573 Day Care procedures covered
  • Domestic Air Ambulance cover

Comprehensive/ Family Floater Plan

A policy designed to provide coverage to you and your family. Providing high SI of 30 lakhs, it covers maternity expenses to childbirth.

Unique Features

  • 12 advanced treatment procedures
  • Auto reinstatement of Sum Insured
  • No pre medical up to 55 years

Family Floater Plan

A fixed premium plan that offers coverage up to 3 Lakhs and offers protection against the expenses incurred during OPD and hospitalization.

Unique Features

  • Coverage for HIV/AIDS
  • Genetic Disorders covered
  • Internal Congenital Diseases covered

Standard Plan

A standard health insurance plan that comes with a coverage of 10 Lakhs. Moreover, the plan comes with a 5% Co-pay, applicable on all the admissible claims.

Unique Features

  • Advanced Procedures covered
  • Lifelong renewals
  • Cumulative Bonus of 5%

Affordable Plan

SBI Retail Health Insurance Policy

A affordable health insurance plan that provides coverage of up to 5 Lakhs. The plan offers several add-on riders for enhanced coverage.

Unique Features

  • No pre-medical up to 45 years
  • Flexible plan options
  • Child care available

SBI Health Insurance Network Hospital List

SBI Health Insurance Network hospitals are present in 31 states across the country. With a wide network of hospitals, SBI Health Insurance ensures that you are medically safe regardless of the city in which you live.

Health Insurance Articles

SBI Critical Illness Health Plans FAQs

1. What are the criticial illnesses covered under SBI critical Illness Policy?

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

2. What are the minimum and maximum amounts of coverage available for this plan?

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

3. Do I need to undergo a medical check-up before purchasing the policy?

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.

4. What Are The Tenure Plan Options Available Under This Policy?

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.

5. What Is Not Covered In The Policy?

Any Pre- Existing Diseases or related condition(s).

6. What Is The Minimum And Maximum Entry Age To Buy This Policy?

The minimum entry age is 18 years and the maximum entry age is 65 years.

7. What is the claim procedure for SBI Critical Illness Policy?

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: - customer.care@sbigeneral.in

8. Are there any exclusions in SBI Critical Illness Policy?

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

9. Will SBI Critical illness policy pay me for a critical illness?

Critical Illness policy covers an insured individual against the listed critical illnesses given in the policy wordings/ document.

SBI Critical Illness Health Plans Review

Read what customers have to say about SBI Critical Illness Health insurance.

Customer Review Image

priya

Pune

June 7, 2022

Best buy and reliable. I recently got a life insurance for myself from SBI. Also, my purchasing experience was made easy and swift, apart from the best deal given by PolicyX.

Customer Review Image

Saksham

Ahmedabad

June 7, 2022

I got the sbi general term insurance plan last year as I am concerned about my family. Such great plans. Great work.

Customer Review Image

kuljeet singh

Chandigarh

March 14, 2022

very good company with good plans. They always reply to my and my wife queries related to our old diseases and new doctor consultations. they OPD plan is very helpful.

Customer Review Image

Dhiraj Khanna

Mumbai

February 17, 2022

This is a reliable company as they fulfill their promise to help during any medical emergency. I am satisfied with their services.

Customer Review Image

Avantika Nagpal

Kolkata

October 12, 2021

Very amazing and helpful service offered by SBI Health. I am impressed by the way this company works.

Customer Review Image

Rekha Tyagi

Kolkata

October 8, 2021

Well done SBI Health. You are doing a great job. Also, I wanna thank PolicyX.com for your continuous support. Best of luck to both companies.

Customer Review Image

Kuwali Rai

Gandhinagar

September 2, 2021

truly grateful for all the help received at PolicyX. the agents are smart, dont waste time and have good knowlege

Customer Review Image

Vishwanber Sharma

Guwahati

September 1, 2021

Satisfied with the purchased plan. Will recommend others to invest too. Policy X team has guided, so thanks for that too

View All SBI Critical Illness Health Plans Reviews