SBI Health Edge Insurance 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 Health Edge Plan?

Under SBI Health Edge Plan, the room rent is covered up to SI.

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

Coverage status under SBI Health Edge Plan Plan?

Under SBI Health Edge Plan, ICU charges are covered up to SI.

Medical expenses incurred before the hospitalization of the policyholder.

Coverage status under SBI Health Edge Plan?

SBI Health Edge plan covers medical expenses incurred during pre-hospitalization up to 30 days.

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

Coverage status under SBI Health Edge Plan?

SBI Health Edge plan covers medical expenses incurred during post-hospitalization 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 Health Edge Plan?

Under SBI Health Edge Plan, domiciliary hospitalization is not covered.

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

Coverage status under SBI Health Edge Plan?

This plan 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 Health Edge Plan?

SBI Health Edge plan covers OPD as an optional cover up to INR 5,000 per insured member for allopathic OPD expenses, including diagnostics and pharmacy.

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

Coverage status under SBI Health Edge Plan?

SBI Health Edge plan does not cover COVID-19 treatment.

A common eye condition in which your vision gets blurred.

Coverage status under SBI Health Edge Plan?

SBI Health Edge plan does not cover cataract treatment expenses

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 Health Edge Plan?

Cumulative Bonus is available under SBI Health Edge plan as an optional cover wherein Sum Insured is increased by 50% of the Base Sum Insured in respect of each claim free Policy Year.

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 Health Edge Plan?

Unlimited Auto Restoration is available under SBI Health Edge plan. Up to 100% of Base Sum Insured with the first paid claim itself and is available for all subsequent claims in a Policy Year.

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

Coverage status under SBI Health Edge Plan?

The daily hospital cash is available under SBI Health Edge Plan as an optional cover - Fixed benefit payment per day Sum Insured up to 1000 for 10 days or 2000 for 10 days as mentioned in the policy schedule.

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 Health Edge Plan?

Under SBI Health Edge plan, organ donor expenses are not covered.

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

Coverage status under SBI Health Edge Plan?

Maternity expense is available under the SBI Health Edge Plan as an optional cover with a 48 months waiting period.

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

Coverage status under SBI Health Edge Plan?

Covered Under SBI Health Edge Plan up to SI

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

Coverage status under SBI Health Edge Plan?

Under SBI Health Edge plan modern treatments are covered up to SI.

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 Health Edge Plan?

Covered under SBI Health Edge Plan up to INR 3,000 per hospitalization

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?

Air Ambulance is not covered under SBI Health Edge Plan

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 Health Edge Plan?

Under SBI Health Edge plan compassionate travel is not available

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

Coverage status under SBI Health Edge Plan?

Under SBI Health Edge plan Global treatment is available as an optional cover up to SI

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 Health Edge Plan?

SBI Health Edge Plan provides E-consultation as an optional cover.

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

Coverage status under SBI Health Edge Plan?

Under the SBI Health Edge Plan, a health checkup is available up to Rs 5000 once in the Policy Year to all insured adult members above age 18 years on individual basis.

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 Health Edge Plan?

Under SBI Health Edge plan second opinion is not available.

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

Coverage status under SBI Health Edge Plan?

SBI Health Edge plan does not cover vaccination expenses.

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 Health Edge Plan?

Applicable, 10% / 20% Co-payment.

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 Health Edge Plan?

Not Applicable.