SBI Group Policy

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 Group Health Insurance?

Under SBI Group Health Insurance Plan, the room rent is not covered.

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

Coverage status under SBI Group Health Insurance?

Under SBI Group Health Insurance Plan, ICU charges are covered up to 2% /day for the Sum Insured.

Medical expenses incurred before the hospitalization of the policyholder.

Coverage status under SBI Group Health Insurance?

Under SBI Group Health Insurance Plan medical expenses incurred during pre-hospitalization are covered for up to 30 days.

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

Coverage status under SBI Group Health Insurance?

Under SBI Group Health Insurance Plan medical expenses incurred during pre-hospitalization are covered for up to 60 days.

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 Group Health Insurance?

Under SBI Group Health Insurance, domiciliary hospitalization is covered subject to a maximum of 20% of the Sum Insured or INR 20000, whichever is less.

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

Coverage status under SBI Group Health Insurance?

SBI Group Health Insurance covers the expenses of daycare treatment up to SI.

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

Coverage status under SBI Group Health Insurance?

SBI Group Health Insurance does not cover OPD charges.

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

Coverage status under SBI Group Health Insurance?

COVID-19 treatment is not covered by SBI Group Health Insurance Plan.

A common eye condition in which your vision gets blurred.

Coverage status under SBI Group Health Insurance?

SBI Group Health Insurance Plan does cover cataract treatment.

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 Group Health Insurance?

The cumulative Bonus is not available under SBI Group Health Insurance.

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 Group Health Insurance?

Under SBI Group Health Insurance automatic restoration is not available. This Policy may be renewed by mutual consent every year.

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

Coverage status under SBI Group Health Insurance?

The daily hospital cash is available under SBI Group Health Insurance as an add-on benefit subject to a maximum of 20% of the Sum Insured or INR 20000, whichever is less.

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 Group Health Insurance?

Under SBI Group Health Insurance, organ donor expenses not are covered.

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

Coverage status under SBI Group Health Insurance?

Under the SBI Group Health Insurance Plan, maternity expenses are not covered.

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

Coverage status under SBI Group Health Insurance?

Not Covered Under SBI Group Health Insurance.

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

Coverage status under SBI Group Health Insurance?

Under SBI Group Health Insurance modern treatments are not covered.

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 Group Health Insurance?

Under SBI Group Health Insurance Plan, Ambulance expenses are covered by 1% of SI up to a max. of ` INR 1500.

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

Coverage status under National Arogya Sanjeevani Plan?

Under SBI Group Health Insurance Plan, Air Ambulance is not covered.

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 Group Health Insurance?

Under SBI Group Health Insurance compassionate plan is not covered.

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

Coverage status under SBI Group Health Insurance?

Under SBI Group Health Insurance Global coverage is not available.

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 Group Health Insurance?

Under SBI Group Health Insurance e-consultation is not covered.

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

Coverage status under SBI Group Health Insurance?

Under SBI Group Health Insurance, a health checkup is not covered. Only a pre-acceptance Health Check is not mandatory for people covered under SBI General Group Health Insurance.

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 Group Health Insurance?

Under the SBI Group Health Insurance second medical opinion is not covered.

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

Coverage status under SBI Group Health Insurance?

Under SBI Group Health Insurance Plan, vaccination expenses are not covered.

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 Group Health Insurance?

It is applicable under SBI Group Health Insurance, Co-Payment on claims in non-network hospitals - 10% on all eligible admissible claims.

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 Group Health Insurance?

Not Applicable under SBI Group Health Insurance.

With SBI Group Health Insurance policyholders get a waiting period of 30 days and 1 year for specified diseases and 4 years for pre-existing diseases.

Policyholder gets coverage of 30 Days Pre and 60 Days Post Hospitalisation Expenses.

Policyholders get a Wide Coverage of Sum Insured – From 100,000 up to 500,000.

When an individual purchases SBI Group Health Insurance he can get cashless treatment at over 2,0000 Network Hospitals

When an individual purchases SBI Group Health Insurance he can get No pre-policy medical test up to the age of 65 years for people with no medical history

Policyholders get Multiple Coverage Options – Individual & Family Floater, you and your legal spouse and two legal & dependent children.

Amount paid towards the premium of this plan is eligible for tax relief under Section 80D of the Income Tax Act, 1961.