SBI Divyanga Suraksha Policy

Overview

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:

• Pre and post-hospitalization
• Medical treatment
• Daycare procedures
• Cataract cover
• Modern treatment cover
• In-patient treatment
• AYUSH care
• PEDs cover
• Ambulance 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.

Benefits of SBI Divyanga Suraksha Insurance Policy

SBI Divyanga Suraksha is a valuable health insurance plan for those who need support with treatment expenses related to disability, HIV disease, mental illness, etc. Here are some of the benefits attached to this plan:

In-patient Hospitalization Cover

All hospitalization expenses will be covered if the policyholder is admitted for a continuous period of 24 hours. However, the 24-hour hospitalization bracket is not applicable for daycare treatments covered under the policy.

AYUSH Cover

In-patient hospitalization cover for Ayurveda, Unani, Siddha, and Homeopathy is provided up to 50% of the sum insured.

Pre and Post-hospitalization Care

The company is responsible for paying pre-hospitalization expenses from 30 days before hospital admission and post-hospitalization expenses for 60 days after discharge from the hospital.

Pre-existing Disease Cover

The insurer will cover Pre-Existing Diseases (PEDs) only if you have disclosed and proposed the conditions with valid proof, and they have approved the PED coverage within the policy.

Tax Benefits

You can avail of an income tax benefit against all paid premiums for your SBI Divyanga Suraksha plan under Section 80D.

Exclusions

• Investigation and evaluation
• Rest cure, rehabilitation, and respite care
• Obesity/weight control
• Change-of-gender treatments
• Cosmetic or plastic surgery
• Hazardous or adventure sports
• Breach of law
• Excluded providers
• Treatment for alcoholism, drug, or substance abuse
• Dietary supplements and substances (without a prescription)
• Unproven treatments
• Sterility and infertility