Motherhood is one of the most revered milestones in any woman’s life. It also comes with emotional as well as financial responsibility. So, before taking this life-altering decision, it is very important to be financially ready for the responsibilities. Moreover, it is equally crucial to have a proper plan in place in order to counter any unexpected situations that, one may face during or after the pregnancy. A good financial plan for mothers must take care of their needs that change at every stage of motherhood, right from pregnancy to old age.
When we are talking about maternity health insurance, we must mention SBI Health Insurance for maternity insurance solutions. The maternity plans offered by SBI have good coverage for all maternity-related expenses. You should never settle for anything less when it comes to keeping the mother and the family safe in every situation. SBI Pregnancy Insurance is a great help since they cover both post and pre-hospitalization costs along with daycare costs as well. Before jumping on any decision let us see some benefits and features of SBI Maternity Insurance.
SBI Health Insurance Maternity Plans
The maternity plans offered by SBI Health Insurance come with several benefits and complete maternity coverage. Let's have a brief look at the plans:
Key Features of SBI Health Insurance for Maternity
A robust maternity insurance can help you and your family, to take your first steps toward parturition without worrying about financial limitations. Now, let's discuss the key features of SBI Health Insurance pregnancy cover.
SBI Health Insurance For Maternity has a policy period of 1/2/3 years.
The sum insured can be automatically reinstated, this makes SBI Health Insurance for maternity a dynamic plan.
SBI Health Insurance pregnancy cover provides tax benefits under Section 80D of the Income Tax Act.
SBI health insurance pregnancy cover has a good range of sum insured options between Rs. 10 Lakh to Rs. 30 Lakh.
This plan provides many alternate treatment benefits like Ayurveda, Unani, Siddha & Homeopathy.
SBI Maternity Insurance Policy has a cumulative bonus of 10% of SI for each claim-free year and it goes maximum up to 50%.
One of the best features, is that the plan does not need any pre-acceptance health check-up to the age of 55 years (for people with no medical history).
The SBI Health Insurance for Maternity Eligibility
If a person wants to opt for SBI Health pregnancy coverage they must meet the following eligibility criteria:
Age of individual
Minimum: 60 Years Maximum:65 Years
Dependent child
91 days to 25 Years
Cover Type
Individual / Family
Free Lookup Period
15 Days
Sum Insured
10 Lakh / 30 Lakh
Initial Waiting Period*
9 months to 24 months
Individuals with entry age above 55 years have to undergo a pre-acceptance medical checkup before the policy is issued. There is no exit age.
Benefits of SBI Health Insurance for Maternity
A maternity insurance policy can provide many advantages to the expecting mother and her family, for more information, let's check the benefits of the policy to make a clear decision:
SBI Maternity Insurance Policy benefit includes hospital room rent, boarding expenses and doctor fees.
The pocket-draining expenses such as operation theatre, nursing expenses, medicines that the policyholder consumes during the hospital stay and Intensive Care charges are also covered under SBI Maternity Insurance.
Pre-Hospitalisation expenses for 60 days and Post-Hospitalisation expenses for 90 days are covered.
Domiciliary hospitalisation and Outpatient Treatment are covered under SBI Maternity Coverage.
Inclusions of SBI Health Insurance for Maternity
Buying a maternity insurance plan is an excellent step towards adding financial security for the mother and for the whole family. Let's look at a few inclusions of SBI Health Insurance for maternity.
Room rent, Boarding expenses, Medical practitioners’ fees, Intensive care unit.
Nursing expenses, such as Anesthesia, blood, oxygen, operation theatre, surgical appliances, diagnostic expenses & x-ray, dialysis, chemotherapy, medicines & consumables, radiotherapy, cost of a pacemaker, prosthesis/internal implants & any medical expense incurred that is a part of the operation.
Drugs, medicines that are consumables during hospitalisation, OPD treatment.
Expenses for OPD consultation & treatment up to the specified limit.
Pre and Post-hospitalisation expense coverage: 60 days prior to the date of admission and 90 days after the date of discharge from the hospital.
Day Care expenses: 142 Day Care expenses are covered.
Ambulance expenses: Up to Rs 1500.
Alternative treatment: Alternative treatment under AYUSH taken in a government hospital or in any institute recognised by the government and/or accredited by the quality council of
Domiciliary hospitalisation: Reasonable and customary charges towards domiciliary will be paid, up to a certain limit, the rest will be included.
SBI Health Insurance for Maternity Exclusions
Before choosing a plan, look for the one that best suits your needs and look at its exclusions for avoiding fatalities
Any pre-existing diseases from starting day of the policy up to 4 years of the policy, the pre-existing disease must be persistent in this period of time.
Treatment of certain illnesses such as ulcers, tonsillectomy, hernia, cataract, sinusitis, gall bladder stones, and many other chronic organ failures during the first year of running of the policy.
Treatment that is taken outside India will not be included in the SBI Pregnancy Insurance Policy.
For the medical practitioner without undertaking any active regular treatment, a stay in hospital facility is not available.
Experimental and unproven treatment is excluded from the SBI Maternity Insurance Policy.
Any injury caused due to self-harm.
Naturopathy treatment.
War and war-like situations.
A standard health insurance plan for senior citizens will have an initial waiting period of 30 days (excluding accidents). There will be another waiting period of 48 months for pre-existing diseases and 90 days to 12/24 months for specific illnesses depending on the product opted.
SBI Health Insurance Network Hospital List
SBI Health Insurance Network Hospitals are present in 31 states across the country. With a wide network of hospitals, SBI Health Insurance ensures that you are medically safe regardless of the city you live in.
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.
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.
1. What are the minimum and the maximum sum insured for SBI Health Insurance for Maternity?
The minimum is 10 lakh and the maximum sum insured is 30 lakh for SBI Health Insurance for Maternity.
2. What is the waiting period for SBI Health Insurance for Maternity?
An initial waiting period of 9 months and a maximum of 24 months is applicable from the date of commencement of this policy.
3. What is the minimum and the maximum age of a dependent child for SBI Health Insurance for Maternity?
For SBI Health Insurance for Maternity for a dependent child a minimum of 91 days and a maximum of 25 years of age is mentioned.
4. What is the ambulance charge in SBI health insurance for maternity?
The ambulance Charge is INR 1500 for SBI Health Insurance for Maternity.
5. What is Pre and Post-hospitalisation expense coverage for SBI Health Insurance for Maternity.?
Pre and Post-hospitalisation expense coverage: 60 days prior to the date of admission and 90 days after the date of discharge from the hospital.
What Our Customers Have to Say
Piyush Kumar
Indore
May 1, 2023
PolicyX offers a wide range of insurance options from various insurance providers. Their website allowed me to compare different policies and choose the one that best suits my needs and budget.
priya
Pune
June 7, 2022
Best buy and reliable. I recently got a life insurance for myself from SBI. Also, my purchasing experience was made easy and swift, apart from the best deal given by PolicyX.
Saksham
Ahmedabad
June 7, 2022
I got the sbi general term insurance plan last year as I am concerned about my family. Such great plans. Great work.
kuljeet singh
Chandigarh
March 14, 2022
very good company with good plans. They always reply to my and my wife queries related to our old diseases and new doctor consultations. they OPD plan is very helpful.
Dhiraj Khanna
Mumbai
February 17, 2022
This is a reliable company as they fulfill their promise to help during any medical emergency. I am satisfied with their services.
Avantika Nagpal
Kolkata
October 12, 2021
Very amazing and helpful service offered by SBI Health. I am impressed by the way this company works.
Rekha Tyagi
Kolkata
October 8, 2021
Well done SBI Health. You are doing a great job. Also, I wanna thank PolicyX.com for your continuous support.
Best of luck to both companies.
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Gandhinagar
September 2, 2021
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Naval Goel is the CEO & founder of PolicyX.com. Naval has an expertise in the insurance sector and has professional experience of more than a decade in the Industry and has worked in companies like AIG, New York doing valuation of insurance subsidiaries. He is also an Associate Member of the Indian Institute of Insurance, Pune. He has been authorized by IRDAI to act as a Principal Officer of PolicyX.com Insurance Web Aggregator.
