SBI General Health Alpha

Overview

The SBI General Health Alpha health insurance plan is highly flexible and can be tailored to your needs. You start with a base of Hospitalization Cover and/or Personal Accident Cover, which can be enhanced with over 50 optional covers, as well as benefit-based add-ons and financial modifiers.

The plan is designed for people who want total control over their health coverage, allowing them to choose only what they need and remove what they do not.

• The plan is fully customizable with over 50 optional covers to choose from.
• You can get unlimited hospitalization coverage once in your lifetime.
• The sum insured can grow up to 10 times with cumulative bonus benefits.
• Long-term policy options up to 5 years help protect against medical inflation.
• Wellness, OPD, global treatment, and modern treatment benefits are also available.

Inclusions

Core Inclusions

• In-Patient Treatment
• Day Care Treatment
• AYUSH Treatment
• Domiciliary Treatment
• Pre-Hospitalization
• Post-Hospitalization
• Bariatric Surgery
• Modern Treatments
• Home Health Care
• Consumables Cover
• Organ Donor

Optional Covers

• OPD Cover
• Global Cover
• Road Ambulance
• Air Ambulance
• Radio Cab
• Special Covers
• Convalescence
• Companion Cover
• Adventure Sports
• Gym & Sports Injury Cover
• Prosthetics
• Reconstructive Surgery
• Change of Gender Treatments
• Vision Correction

Maternity & Child Care Cover

• Maternity Expenses
• Newborn Baby Care
• Child Vaccination
• Assisted Reproduction Treatment

Personal Accident

• Accidental Death (AD)
• Permanent Total Disablement (PTD)
• Permanent Partial Disablement (PPD)
• Temporary Total Disablement (TTD)

Benefit-Based Covers

• Critical Illness Cancer of Specified Severity
• Myocardial Infarction (First Heart Attack of Specific Severity)
• Open Chest CABG
• Open Heart Replacement/Repair of Heart Valves
• Coma of Specified Severity
• Kidney Failure Requiring Regular Dialysis
• Stroke Resulting in Permanent Symptoms
• Major Organ/Bone Marrow Transplant
• Motor Neuron Disease with Permanent Symptoms
• Permanent Paralysis of Limbs
• Loan Protector Benefit
• Home Modification Benefit
• Child Education Benefit
• Hospital Daily Cash

Financial Modifiers & Wellness Benefits

• Restore Benefit
• Cumulative Bonus
• Endless Sum Insured
• Plan Ahead
• Preventive Care
• Health Check-up
• E-Opinion

Voluntary Covers for Discounts

• Voluntary Deductible
• No Claim Bonus

Exclusions

• Pre-existing diseases during the waiting period
• Specific listed illnesses during their waiting periods
• Cosmetic and aesthetic procedures
• Routine dental and vision treatments
• Hospitalization without active treatment
• Experimental or unproven treatments
• Self-inflicted injuries
• Alcohol or drug misuse-related treatment
• Injuries from unlawful activities
• Injuries from hazardous or adventure sports
• Maternity and newborn expenses (unless covered)
• Infertility and reproductive treatments
• OPD expenses (unless covered)
• Gender transition treatments
• Congenital disease treatments (if not covered)
• Non-prescribed or non-allopathic treatments
• Vaccination and preventive care (unless covered)
• War, nuclear, or biohazard-related treatment
• Obesity or lifestyle-related procedures
• Non-payable medical consumables