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SBI General's Retail Health Insurance Policy ensuring your peace of mind by offering financial protection in case you fall sick.
Key Features
Wide Coverage Rs.50,000 to Rs.500,000
No medical check-up if you don't have any medical history: Up to 45 years
Family Floater: One plan, full family
Flexible Plans: Metro Plan, Semi Metro Plan & Rest of India
IT Exemption: Under Sec 80D
Coverage
Our health insurance policy covers:
Your hospital room rent, boarding expenses and doctor fees
Operation Theatre and Intensive Care charges
Nursing expenses
Medicines that you consume during the hospital stay
Pre and Post hospitalization expenses up to 30 and 60 days respectively
Major Exclusion
We will not pay expenses in the following cases:
Pre existing diseases from inception of the policy up to 4 years of this Policy being in force continuously
Treatment of illnesses such as Ulcers, Tonsillectomy, Hernia, Cataract, Sinusitis, Gall Bladder Stones, Chronic Renal Failure during the first year of operation of the policy.
Treatment taken outside India
Outpatient treatment
Stay in a hospital without undertaking any active regular treatment by the medical practitioner
Experimental and unproven treatment.
Reasonable and Customary Charges
Reasonable and Customary Charges towards Domiciliary Hospitalisation exceeding 3 days as defined in Policy definition subject to 20% of the Sum Insured maximum up to INR 20000 whichever is less.
Day care treatment in a hospital up to 50% of -of Sum Insured
patient or as part of day care treatment in a hospital up to 50% of -of Sum Insured, specified in the policy schedule, during the policy period.
Up to 10%
Up to 10% of the eligible hospitalisation or Domiciliary hospitalisation expenses incurred in 60 days after the date of discharge .
Up to 10%
Up to 10% of the eligible hospitalisation or Domiciliary hospitalisation expenses incurred in 30 days prior to date of admission .
1% of SI up to a max of INR 1500
1% of SI up to a max of INR 1500
Covered Alternative Treatment
(Subject to Treatment taken in a government hospital or in any institute recognised by government and/or accredited by Quality Council of India/National Accreditation Board on Health) - Ayurvedic Treatment Covered maximum 15% of Sum Insured per Policy period up to a maximum of INR 20000 & Homeopathy and Unani Treatment covered maximum 10% of Sum Insured per Policy period up to a maximum of INR 15000
Up to 1% of the SI per day
Room, Board & Nursing Expenses & Service Charges Etc - Up to 1% of the SI per day.
