SBI Divyanga Suraksha Policy
  • Covers in-patient treatment
  • HIV/AIDS cover
  • Power against disability
SBI Health Insurance
premium

Network hospitals

6000+

premium

Incurred claim ratio

73.92%

premium

Sum insured

Up to 2 CR

premium

No. of Plans

11

premium

Solvency Ratio

1.8

premium

Pan India Presence

141

Customized Health Insurance Plan for you.

Get upto 15% Online Discount*

Select Members You Want To Insure

Age of Eldest Member

premium

Network hospitals

6000+

premium

Incurred claim ratio

73.92%

premium

Sum insured

Up to 2 CR

premium

No. of Plans

11

premium

Solvency Ratio

1.8

premium

Pan India Presence

141

SBI Divyanga Suraksha Insurance

Would you believe if we say that the SBI Divyanga Suraksha health insurance plan provides healthcare for people with disability or any pre-existing HIV disease health insurance?

Yes, you heard that right!

The SBI Divyanga Suraksha health plan is specially designed for people with certified disability/disabilities according to the Rights of Persons with Disabilities Act of 2016, India. Additionally, a person with HIV or AIDS certified by the Human Immunodeficiency Virus and Acquired Immune Deficiency Syndrome (Prevention and Control) Act of 2017, India can also buy this plan.

The basic available options of the sum insured of SBI Divyanga Suraksha health policy is INR 4 & 5 Lakhs for which the insured 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, and so on

The policyholders can claim for room rent charges, including nursing, doctor’s prescription, ICU cover, etc against their Divyanga Suraksha policy with a range of 1% for room rent, and 2% for ICU charges out of the total sum insured opted. Apart from this, there is an availability of co-payment options upto 20%, however, it can be waived off with an optional cover. The best part of this plan is that it covers modern treatment and advanced surgical procedures upto 50% of the sum insured, which means you get an extra layer of protection with basic healthcare cover.

Furthermore, we’ve curated this guide which will give you all the information related to the SBI Divyanga Suraksha plan. Read on and make an informed decision before investing in it.

Eligibility Criteria for Buying SBI Divyanga Suraksha Plan

Entry Age

Child: Newborn/day 1 - 17 years

Adult Entry Age

Adult: 18 - 65 years

Sum Insured

INR 4 & 5 Lakhs

Plan Type

Individual

Policy Term

1 Year

Initial Waiting Period

30 days

*The initial waiting period is the 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.

Waiting periods for different conditions covered under the SBI Divyanga Suraksha Plan

  • Accidental waiting period - Covered from day 1
  • Pre-existing diseases - 48 months (other than the specified pre-existing: Disability and HIV/AIDS)
  • Specific illness/disease - 24 months
  • HIV/AIDS cover - Covered after 30 days (for indemnity cover)
  • Pre-existing disability - 24 months

To know more about the plan read the policy prospectus provided below:

Benefits of SBI Divyanga Suraksha Insurance Policy

SBI Divyanga Suraksha is not just health insurance, it’s a boon for those who are incapable of bearing their treatment expenses related to disability, HIV disease, mental illness, etc. Here are some of the benefits attached to this plan and how it can help you get empowered.

  • In-patient hospitalization cover

    All the hospitalization expenses will be covered if the policyholder is admitted for consecutive 24 hours in a day (as per the specified limit). However, the 24 hours of hospitalizaton bracket is not applicable for daycare treatments covered under the policy.
  • AYUSH cover

    In-patient hospitalization cover for Ayurveda, Unani, Siddha and Homeopathy are covered upto 50% of the sum insured.
  • Pre and post-hospitalization care

    The company is responsible for paying the expenses for pre-hospitalization from 30 days before hospital admission and 60 days after discharge from the hospital.
  • Pre-existing disease cover

    The insurer will cover PEDs only if you’ve disclosed and proposed the conditions with valid proof and they’ve approved the PED coverage within the policy.
  • Tax benefits

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

Specifications of SBI Divyanga Suraksha Plan

In-patient & Out-patient coverage

Room Rent

Covered

ICU Charges

Covered

Pre-Hospitalization

Covered

Post-Hospitalization

Covered

Domiciliary Hospitalization

Not covered

Daycare Treatment

Covered

OPD Charges

Covered

Coverage Terms

COVID-19 Treatment

Covered

Cataract

Covered

No Claim Bonus

Not covered

Automatic Restoration

Not covered

Daily Hospital Cash

Not covered

Organ Donor

Not covered

Maternity Cover

Not covered

New Born Baby Cover

Not covered

Alternative Treatments

AYUSH Treatment

Covered

IVF Treatment

Not covered

Modern Treatment

Covered

Emergency Coverage

Ambulance

Covered

Air Ambulance

Not covered

Compassionate Travel

Not covered

Global Coverage

Not Covered

Wellness Programmes

E-Consultation

Not Covered

Health Check-Up

Not covered

Second Medical Opinion

Not Covered

Vaccination

Not Covered

Limitations

Co-payment

Applicable

Sub-limits

Applicable

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 Divyanga Suraksha Plan

Available. For normal rooms upto 1% of the SI

What are ICU Charges?

The Intensive Care Unit (ICU) is a hospital special department where patients with severe medical conditions are treated.

Coverage status under SBI Divyanga Suraksha Plan

Covered upto 2% of the SI

What is Pre Hospitalization?

Medical expenses incurred before the hospitalization of the policyholder.

Coverage status under SBI Divyanga Suraksha Plan

Covered for up to 30 days before hospitalization upto SI

What is Post Hospitalization?

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

Coverage status under SBI Divyanga Suraksha Plan

Covered for up to 60 days after hospitalization upto SI

What is Domiciliary Hospitalization?

Home hospitalization arrangement for the insured person due to 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 Divyanga Suraksha Plan

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 Divyanga Suraksha Plan

All daycare procedures that are mentioned in the policy prospectus are covered upto specified limits

What are OPD charges?

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

Coverage status under SBI Divyanga Suraksha Plan

Covered for treatments taken as per specifications

What is COVID-19 Treatment?

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

Coverage status under SBI Divyanga Suraksha Plan

Covered

What is Cataract Treatment?

A common eye condition in which your vision gets blurred.

Coverage status under SBI Divyanga Suraksha Plan

Covered upto INR 40,000 per eye, one in a policy year

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 Divyanga Suraksha Plan

Not applicable

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 Divyanga Suraksha Plan

Not covered

What is Daily Hospital Cash?

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

Coverage status under SBI Divyanga Suraksha Plan

Not covered

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 Divyanga Suraksha Plan

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 Divyanga Suraksha 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 are listed below and these common treatments can vary from plan to plan:

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

Coverage status under SBI Divyanga Suraksha 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 Divyanga Suraksha Plan

Covered upto 50% of the SI

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 Divyanga Suraksha Plan

Not covered

What is a Modern Treatment?

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

Coverage status under SBI Divyanga Suraksha Plan

Covered upto 50% of the SI

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 Divyanga Suraksha Plan

Covered upto INR 2,000 per hospitalization

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 Divyanga Suraksha 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 Divyanga Suraksha Plan

Not available

What is Global Coverage?

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

Coverage status under SBI Divyanga Suraksha Plan

Not covered

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 Divyanga Suraksha Plan

Not covered

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 Divyanga Suraksha 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 Divyanga Suraksha Plan

Not covered

What is Vaccination cover?

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

Coverage status under SBI Divyanga Suraksha Plan

Not covered

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.

Coverage status under SBI Divyanga Suraksha Plan

Applicable. 20% on all claims unless waiver opted

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.

Coverage status under SBI Divyanga Suraksha Plan

Applicable

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.

Exclusions of SBI Divyanga Suraksha Policy

Investigation & 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

Others, as per the details mentioned in the exclusions list of the SBI Divyanga Suraksha plan.

Summing Up

Disability in itself is so distressful and cannot be left unaddressed. When we talk about healthcare for such individuals, having suitable health insurance for disability is the right choice. SBI Divyanga Suraksha insurance policy is such a boon for those who are certified disabled persons and for those who are suffering from a disease caused by HIV.

If you are satisfied with the guide we’ve curated for you, do ring us on 1800 4200 269 or email us with your feedback. If you want to know more about the SBI Divyanga Suraksha plan, click on Get a Quote and get the answer to your questions.

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Unique Features

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SBI Health Edge (Pros)

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SBI Health Edge (Cons)

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SBI Health Edge (Other Benefits)

  • Family Floater Cover
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SBI Health Edge (Eligibility Criteria)

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Comprehensive plan

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SBI Arogya Supreme (Cons)

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SBI Arogya Supreme (Eligibility Criteria)

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Comprehensive/ Family Floater Plan

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Unique Features

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Arogya Premier Plan (Pros)

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Arogya Premier Plan (Cons)

  • Cosmetic Treatment
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Arogya Premier Plan (Other Benefits)

  • Family Floater
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Arogya Premier Plan (Eligibility Criteria)

  • Entry Age - 3 Months
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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

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Arogya Plus Plan (Pros)

  • Up to 7.5% discount
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Arogya Plus Plan (Cons)

  • Cosmetic Treatment
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Arogya Plus Plan (Other Benefits)

  • Nursing Expenses
  • Domiciliary Hospitalization
  • AYUSH Cover
  • Medicines Cover
  • Tax Benefits

Arogya Plus Plan (Eligibility Criteria)

  • Entry Age - 3 Months
  • Max Entry Age - 65 Years
  • SI - 1 L to 3 L
  • Waiting Period - 30 Days

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

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SBI Arogya Sanjeevani (Pros)

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SBI Arogya Sanjeevani (Cons)

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  • Adventure Sport Injuries
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SBI Arogya Sanjeevani (Other Benefits)

  • Family Floater
  • Tax Benefits
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  • Medicine Cover
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SBI Arogya Sanjeevani (Eligibility Criteria)

  • Entry Age - 3 Months
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  • Waiting Period - 30 Days

Affordable Plan

SBI Retail Health Insurance Policy

A family floater plan for metro and non-metro cities offering wide coverage of INR 5 Lakhs. No pre-policy medical check-up is required to avail of this policy.

Unique Features

  • Consultancy Cover
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  • SI Upto 5 L

Retail Health Policy (Pros)

  • Add-on Covers Available
  • ICU Benefit
  • Ambulance Cover
  • Free Medical Check-up
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Retail Health Policy (Cons)

  • Cosmetic Treatment
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  • Injury Due To Hazardous Activities
  • Adventure Sport Injuries
  • Unlawful Activities

Retail Health Policy (Other Benefits)

  • High SI
  • Child Care
  • Cataract Care
  • AYUSH Care
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Retail Health Policy (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 50k to 5 L
  • Waiting Period - 30 Days

Individual/Family Floater Plan

An all-inclusive insurance cover to cater to your health & fitness needs. It is an individual and family floater policy with 7 optional covers to select from.

Unique Benefits

  • Tax Benefits
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Super Health Insurance (Pros)

  • Enhanced Cumulative Bonus
  • Daycare Procedures
  • Maternity Cover
  • Annual Health Check-up
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Super Health Insurance (Cons)

  • Cosmetic Treatment
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Super Health Insurance (Other Benefits)

  • OPD Expenses
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  • SI up to 2 Crores
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Super Health Insurance (Eligibility Criteria)

  • Entry Age - 91 Days
  • Max Entry Age - No Limit
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Corona Kavach

SBI Corona Kavach Policy

A standard corona-specific health cover that protects you from COVID-19. The plan covers room rent, ICU expenses, and home care expenses for up to 14 days.

Unique Benefits

  • Tax Benefits
  • No Medical check-up
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Corona Kavach Policy (Pros)

  • Room Rent Cover
  • ICU Cover
  • Doctor Fee Cover
  • Ambulance Cover
  • Nursing Expense Cover

Corona Kavach Policy (Cons)

  • Cosmetic Treatment
  • Injury Due To Illegal Activity
  • Injury Due To Hazardous Activities
  • Adventure Sport Injuries
  • Unlawful Activities

Corona Kavach Policy (Other Benefits)

  • Medicine Charges
  • Pre & Post Hospitalization Cover
  • Hospital Daily Cash
  • Affordable Premiums
  • SI Up to 5 L

Corona Kavach Policy (Eligibility Criteria)

  • Entry Age - 1 Day
  • Max Entry Age - 65 Years
  • SI - 50k to 5 L
  • Waiting Period - 30 Days

Corona Rakshak

SBI Corona Rakshak Policy

The plan offers a lump sum benefit equal to 100% of the sum insured on the diagnosis of COVID-19.

Unique Benefits

  • Tax Benefits
  • Lump Sum Benefit
  • Minimum Waiting Period

Corona Rakshak Policy (Pros)

  • Room Rent Cover
  • Single Premium Payment
  • Affordable Premiums
  • Upto 2.5 L SI
  • 15-Day Waiting Period

Corona Rakshak Policy (Cons)

  • Cosmetic Treatment
  • Injury Due To Illegal Activity
  • Injury Due To Hazardous Activities
  • Adventure Sport Injuries
  • Unlawful Activities

Corona Rakshak Policy (Other Benefits)

  • Up to 65 Years Entry Age
  • 3-month policy period
  • 6-month policy period
  • 9-month policy period
  • Standard COVID-19 plan

Corona Rakshak Policy (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 50k - 2.5 L
  • Waiting Period - 30 Days

Individual

SBI Personal Accident plan provides protection against accidental death, loss of life, and disabilities, it offers a cumulative bonus along with add-ons for ambulance charges.

Unique Benefits

  • Tax Benefits
  • No Pre-policy check-up
  • Affordable Premiums

Individual Personal Accident (Pros)

  • Loss of Life Cover
  • Disabilities Cover
  • Loss of Income Cover
  • Permanent Total Disability
  • Education Benefit

Individual Personal Accident (Cons)

  • Cosmetic Treatment
  • Injury Due To Illegal Activity
  • Injury Due To Hazardous Activities
  • Adventure Sport Injuries
  • Unlawful Activities

Individual Personal Accident (Other Benefits)

  • Add-on Covers
  • Temporary Total Disability
  • Permanent Total Disability
  • Permanent Partial Disability
  • Accidental Death

Individual Personal Accident (Eligibility Criteria)

  • Entry Age - 3 Months
  • Max Entry Age - 65 Years
  • SI - 1 L to 1 Crore
  • Waiting Period - 30 Days

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

Arogya Top Up Policy (Pros)

  • Up to 7.5% discount
  • OPD Cover
  • Tax Benefits
  • Pre & Post Hospitalization
  • 141 Daycare Treatments

Arogya Top Up Policy (Cons)

  • Cosmetic Treatment
  • Injury Due To Illegal Activity
  • Injury Due To Hazardous Activities
  • Adventure Sport Injuries
  • Unlawful Activities

Arogya Top Up Policy (Other Benefits)

  • High SI
  • Room Rent Covered
  • Physiotherapy Covered
  • Affordable Premiums
  • Domiciliary Hospitalization

Arogya Top Up Policy (Eligibility Criteria)

  • Entry Age - 91 Days
  • Max Entry Age - 65 Years
  • SI - 1 L to 50L
  • Waiting Period - 30 Days

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

Critical Illness Plan (Pros)

  • Covers 13 CI
  • Cancer Care
  • Kidney Failure
  • Organ Transplant
  • Stroke

Critical Illness Plan (Cons)

  • Cosmetic Treatment
  • Injury Due To Illegal Activity
  • Injury Due To Hazardous Activities
  • Adventure Sport Injuries
  • Unlawful Activities

Critical Illness Plan (Other Benefits)

  • High SI
  • Paralysis
  • Coma
  • 2 Plan variants
  • Blindness Cover

Critical Illness Plan (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 3 L to 10 L
  • Waiting Period - 30 Days

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

Hospital Daily Cash Policy (Pros)

  • Daily Cash Benefit
  • Tax Benefits
  • Optional Covers
  • ICU Benefit
  • Accident Injury

Hospital Daily Cash Policy (Cons)

  • Cosmetic Treatment
  • Injury Due To Illegal Activity
  • Injury Due To Hazardous Activities
  • Adventure Sport Injuries
  • Unlawful Activities

Hospital Daily Cash Policy (Other Benefits)

  • Compassionate Benefit
  • Daycare Treatment
  • Maternity Cover
  • Sickness Cash Benefit
  • Affordable Premiums

Hospital Daily Cash Policy (Eligibility Criteria)

  • Entry Age - 3 Months
  • Max Entry Age - 65 Years
  • SI - 500 to 2,000
  • Waiting Period - 30 Days

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

  • Tax Benefits
  • Personal Accident Cover
  • SI up to 1 Crore

Loan Insurance Policy (Pros)

  • Loss of Job Cover
  • Long Term Policy
  • Affordable Premiums
  • Death Cover
  • Permanent Disablement

Loan Insurance Policy (Cons)

  • Cosmetic Treatment
  • Injury Due To Illegal Activity
  • Injury Due To Hazardous Activities
  • Adventure Sport Injuries
  • Unlawful Activities

Loan Insurance Policy (Other Benefits)

  • Cancer Cover
  • Organ Transplant Cover
  • Paralysis Cover
  • Organ Transplant
  • Blindness Cover

Loan Insurance Policy (Eligibility Criteria)

  • Entry Age - N/A
  • Max Entry Age - N/A
  • SI - Up to 1 Crore
  • Waiting Period - 30 Days

Group Insurance Policy

This plan is available for individuals and families, wherein the plan will take care of medical expenses with affordable premium rates.

Unique Features

  • Tax Benefits
  • Wide Coverage
  • Room Rent Covered

Group Health Policy (Pros)

  • Medical Practitioners Available
  • Specialist Fees Cover
  • Daycare Expenses
  • Domiciliary Hospitalization
  • Pre & Post Hospitalization

Group Health Policy (Cons)

  • Cosmetic Treatment
  • Injury Due To Illegal Activity
  • Injury Due To Hazardous Activities
  • Adventure Sport Injuries
  • Unlawful Activities

Group Health Policy (Other Benefits)

  • Individual Cover
  • Family Cover
  • High SI
  • Policy Renewal opted
  • Ambulance Cover

Group Health Policy (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 1 - 5 L
  • Waiting Period - 30 Days

Saral Suraksha

SBI Saral Suraksha Bima

Designed for individuals between the ages of 18 to 70 years, the plan offers coverage for accidental death, permanent, total, and permanent partial disability.

Unique Benefits

  • Tax Benefits
  • Education Grant
  • Affordable Premiums

Saral Suraksha Bima (Pros)

  • Loss of Life
  • Affordable Premiums
  • Temporary Total Disablement
  • Hospitalization Expenses
  • Up to 5% Cumulative Bonus

Saral Suraksha Bima (Cons)

  • Cosmetic Treatment
  • Injury Due To Illegal Activity
  • Injury Due To Hazardous Activities
  • Adventure Sport Injuries
  • Unlawful Activities

Saral Suraksha Bima (Other Benefits)

  • Up to 1 Crore SI
  • Accidental Death Cover
  • Individual and Family Floater
  • 1-Year Policy Term
  • Multiple Discounts

Saral Suraksha Bima (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 70 Years
  • SI -2.5 L - 1 Crore
  • Waiting Period - 30 Days

Saral Suraksha

SBI Travel Insurance (B & H)

The plan is designed uniquely for providing travel support, loss of passport, round-the-clock assistance, and many more benefits.

Unique Benefits

  • Tax Benefits
  • Wide Coverage
  • Affordable Premiums

Travel Insurance (B & H) (Pros)

  • Quick Payout Process
  • Global Coverage
  • 24/7 Emergency Assistance
  • Multi Trip Insurance
  • Single Trip Insurance

Travel Insurance (B & H) (Cons)

  • Cosmetic Treatment
  • Injury Due To Illegal Activity
  • Injury Due To Hazardous Activities
  • Adventure Sport Injuries
  • Unlawful Activities

Travel Insurance (B & H) (Other Benefits)

  • Loss of Passport
  • Trip delays
  • Home Burglary
  • Covers Personal Liability
  • Travel Support

Travel Insurance (B & H) (Eligibility Criteria)

  • Entry Age - 6 Months
  • Max Entry Age - 70 Years
  • SI - $ 5,00,000
  • Waiting Period - 30 Days

Saral Suraksha

SBI Arogya Shield

A combination plan wherein you can secure both health and life, providing comprehensive coverage for medical emergencies and an assured life cover

Unique Benefits

  • Tax Benefits
  • Dual Protection
  • Affordable Premiums

SBI Arogya Shield (Pros)

  • Cashless Claims
  • 141 Daycare Procedures
  • High SI
  • Health Cover
  • Life Cover

SBI Arogya Shield (Cons)

  • Cosmetic Treatment
  • Injury Due To Illegal Activity
  • Injury Due To Hazardous Activities
  • Adventure Sport Injuries
  • Unlawful Activities

SBI Arogya Shield (Other Benefits)

  • Pre Hospitalization
  • Post Hospitalization
  • Domiciliary Hospitalization
  • Outpatient Treatment
  • Alternative Treatment

SBI Arogya Shield (Eligibility Criteria)

  • Entry Age - 91 Days
  • Max Entry Age - 65 Years
  • SI - 1 - 3 L
  • Waiting Period - 30 Days

Group Personal Accident

SBI Group Personal Accident Policy

A versatile Group accident plan covering accidental death, ambulance cover, child education cover, adaptation allowance, and more.

Unique Features

  • Loss of Life Cover
  • Permanent Total Disability
  • Child Education Cover

Group Personal Accident Policy (Pros)

  • Accidental Death
  • Permanent Total Disability Cover
  • Ambulance Cover
  • Funeral Expenses Cover
  • Repatriation Cover

Group Personal Accident Policy (Cons)

  • Cosmetic Treatment
  • Injury Due To Illegal Activity
  • Injury Due To Hazardous Activities
  • Adventure Sport Injuries
  • Unlawful Activities

Group Personal Accident Policy (Other Benefits)

  • Temporary Total Disability Cover
  • Temporary Partial Disability Cover
  • High SI
  • Tax Benefits
  • Affordable Premiums

Group Personal Accident Policy (Eligibility Criteria)

  • Entry Age - N/A
  • Max Entry Age - N/A
  • SI - 2 L - 20 L
  • Waiting Period - 30 Days

Group Loan Policy

SBI Group Loan Insurance Policy

A unique health insurance policy that can be availed for 5 years, covers 15 critical illnesses, accidental death, accidental hospitalization, and more.

Unique Features

  • Long Term Policy
  • Personal Accident Cover
  • Critical Illness Benefit

Group Loan Policy (Pros)

  • Permanent Total Disability
  • Loss of Limbs Cover
  • Loss of Sight Cover
  • Speech Loss Cover
  • Hearing Loss Cover

Group Loan Policy (Cons)

  • Cosmetic Treatment
  • Injury Due To Illegal Activity
  • Injury Due To Hazardous Activities
  • Adventure Sport Injuries
  • Unlawful Activities

Group Loan Policy (Other Benefits)

  • Cancer Cover
  • Coma Expenses Cover
  • Kidney Failure Cover
  • Blindness Cover
  • Accidental Hospitalization Cover

Group Loan Policy (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 1 L - 10 L
  • Waiting Period - 30 Days

SBI Arogya Premier Policy: FAQ

1. What is the SBI Divyanga Suraksha insurance plan?

This is a health plan for persons with disability, people with mental illness, and HIV/AIDS.

2. I have a pre-existing HIV. Can I still claim my Divyanga Suraksha policy for HIV?

Yes, you can claim the policy against HIV treatment only after completing a waiting period of 30 days.

3. What’s considered a disability as per this insurance policy?

As per The Rights of Persons with Disabilities Act, 2016 of India, there must be 40% or more disability in specified body parts of the individual after which only they can buy this product. Given the condition, the policy will be issued to those who are certified by the medical board of disability certification appointed by the Indian Government.

4. Can I buy the SBI Divyanga Suraksha policy if I have a different health insurance?

No, you can only keep one active policy, collectively from all the insurers.

5. Is modern treatment covered under this insurance?

Yes, modern or advanced treatment procedures are covered under this policy upto a maximum of 50% of the sum insured.

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