SBI Health Insurance
SBI Divyanga Suraksha health plan is specially designed for people wit ...Read More
A quick read on what this SBI Health Insurance plan covers and why it might be a fit for you.
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.
Eligibility, sum insured options and policy mechanics — pulled straight from the policy wording.
*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.
A quick honest summary — the strengths and the trade-offs.
Every CMS-driven coverage flag from the plan wording — only items with a published value render below.
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:
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.
In-patient hospitalization cover for Ayurveda, Unani, Siddha, and Homeopathy is provided up to 50% of the sum insured.
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.
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.
You can avail of an income tax benefit against all paid premiums for your SBI Divyanga Suraksha plan under Section 80D.
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.
What the plan pays for, and what it doesn't.
Eligibility criteria pulled straight from the policy wording.
The 5 most-asked questions about SBI Divyanga Suraksha Policy, answered.
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