SBI Health Insurance for family

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      SBI Health Insurance for family

      SBI Health Insurance for family refers to a family health insurance plan that covers all the members of a family under a single policy. This plan by SBI General Insurance Company Limited takes care of the health needs of the entire family irrespective of the age of the family member. Moreover, health insurance plans for family allow insured family members to avail cashless hospitalization facilities at any hospital of their choice in India.

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      Key Benefits of SBI Health Insurance for Family

      Take a look at the key benefits of SBI Health Insurance for family:

      • Refill of the sum insured up to 100% if it gets exhausted
      • Preventive health check-up facilities available
      • Cumulative bonus available for every claim-free year
      • No pre-policy medical check-up required for people up to 45 years
      • Tax deductions available under Sec 80D, Income Tax Act, 1961
      • 10% discount on buying the policy online
      • 5% loyalty discount in case of an existing SBI policy
      • 4% & 6% discount on opting for 2 years or 3 years policy tenure respectively
      • 30% regional discount for people belonging to Zone 2

      SBI Health Insurance Plans for Family

      The following table represents the various SBI Health Insurance plans available for families:

      Plan Name

      Sum Insured (Rs)

      Pre-existing Diseases Waiting Period

      SBI Arogya Supreme Health Insurance Plan

      Pro – 1 lakh to 5 lakh
      Plus – 6 lakh to 20 lakh
      Premium - 25 lakh & 5 crore

      4 years

      View Plan

      SBI Arogya Premier Health Insurance Plan

      10 lakh to 30 lakh

      4 years

      View Plan

      SBI Arogya Plus Health Insurance Plan

      1 lakh, 2 lakh, 3 lakh

      4 years

      View Plan

      SBI Retail Health Insurance Plan

      50,000 to 5 lakh

      4 years

      View Plan

      Eligibility Criteria for SBI Health Insurance for Family

      Check out the table below to know the eligibility criteria for SBI Health Insurance for family:

      Categories

      Eligibility Criteria

      Adult

      Child

      Minimum Entry Age

      18 years

      91 days

      Maximum Entry Age

      65 years

      25 years

      No of Family Members Covered

      Self, spouse, dependent children, parents and parent-in-law

      Renewability

      Lifelong

      Inclusions of SBI Health Insurance for Family

      The coverage provided under SBI Health Insurance for family are as follow:

      • In-patient Hospitalization
      • Mental Healthcare
      • HIV AIDS Cover
      • Genetic Disorder
      • Internal Congenital Anomaly
      • Advance Treatment Procedure
      • Pre-hospitalization Cover
      • Post-hospitalization Cover
      • Domiciliary Hospitalization
      • Day Care Treatment
      • Road Ambulance
      • Alternative Treatment
      • Organ Donor Expenses (excluded in Arogya Plus plan)
      • Maternity Expenses (excluded in Arogya Supreme plan)
      • Cataract Treatment (under Arogya Supreme and Retail Health Insurance plans)
      • Recovery/ Convalescence Benefit (under Arogya Supreme and Retail Health Insurance plans)
      • Bariatric Surgery Cover (under Arogya Supreme plan)
      • OPD Treatment (under Arogya Plus)

      Optional Covers:

      • Hospital Cash Benefit
      • Major Illness Benefit
      • Enhanced Cumulative Bonus
      • No Claim Bonus Protector
      • No sub-limits on Room Rent, ICU and Operation & Consultancy Charges
      • Co-payment
      • Deductible
      • Any Room Upgrade

      Exclusions of SBI Health Insurance for Family

      SBI Health Insurance for family does not cover the following:

      • Treatment taken outside India
      • Sterility & infertility treatment
      • Injuries due to participation in adventure or hazardous sports
      • Treatment for alcoholism or drug abuse
      • Refractive error
      • Plastic or cosmetic surgery
      • Self-inflicted injuries

      Get the full list of exclusions by going through the policy documents of SBI Health Insurance for family.

      FAQs

      • Q1. What are the waiting periods applicable to SBI Health Insurance for family?

        Ans: The following waiting periods apply to SBI Health Insurance plans for families:

        • Generic Policy Waiting Period – 30 days
        • Certain Specified Illnesses Waiting Period – 90 days/ 1 year/ 2 years/ 3 years
        • Pre-existing Diseases Waiting Period – 4 years
        • Waiting Period for Hypertension, Diabetes & Cardiac Conditions – 90 days
        • Major Illness Benefit Waiting Period – 90 days
        • COVID-19 Treatment Waiting Period – 15 Days
        • Internal Congenital Anomaly Waiting Period – 2 years
        • Cataract Surgery Waiting Period – 2 years
        • Maternity Waiting Period – 9 months
      • Q2. Is there any co-payment applicable to SBI Health Insurance for family?

        Ans: Yes. You will have to pay a co-payment of 10% on all claims under the SBI Retail Health Insurance plan if you get admitted to a non-network hospital. Besides, it is also available as an optional cover under the SBI Arogya Supreme plan.

      • Q3. Are there any sub-limits applicable to SBI Health Insurance for family?

        Ans: Yes. Sub-limits apply to room rent and ICU charges under in-patient hospitalization cover offered by SBI Health Insurance plans for family.

      Policybazaar exclusive benefits
      • 30 minutes claim support*(In 120+ cities)
      • Relationship manager For every customer
      • 24*7 claims assistance In 30 mins. guaranteed*
      • Instant policy issuance No medical tests*
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      Disclaimer: The list mentioned is according to the alphabetical order of the insurance companies. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. For complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website www.irdai.gov.in

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      *We will respond in the first instance within 30 minutes of the customers contacting us. 30-minute claim support service is for the purpose of giving reasonable assistance to the policyholder in pursuance of the claim. Settlement of claim (including cashless claim) is the responsibility of the insurer as per policy terms and conditions. The 30- minute claim support is subject to our operations not being impacted by a system failure or force majeure event or for reasons beyond our control. For further details, 24x7 Claims Support Helpline can be reached out at 1800-258-5881.

      *Product information is authentic and solely based on the information received from the Insurer. Policybazaar is acting only as a facilitator and claims settlement shall be at the sole discretion of the Insurer. Policybazaar does not provide any medical or surgical advice or diagnosis and is not responsible for your interactions / treatment by a medical practitioner/hospital. Please consult a registered medical practitioner for any medical or surgical advice. The Information that you obtain or receive from Policybazaar, and its employees, or otherwise on the Website is for informational purposes only. As per the Insurance guidelines, you are allowed to cancel the policy with-in 30 days from the date of Issuance of policy.This option is available incase of policies with a term of one year or more.

      *All the health insurance plans cover hospitalization expenses including COVID-19 treatment cover up to the specified limits. You can also buy specific COVID-19 health insurance policies such as Corona Kavach Policy and Corona Rakshak policy.

      **All savings and online discounts are provided by insurers as per IRDAI approved insurance plans. #Tax Benefits are subject to changes in tax laws. GST Exemptions depend on fulfilment of qualification criteria and submission of relevant documents.

      *₹1748/month is the starting price for a 1 crore health insurance for an 18-year-old male, with no pre-existing diseases. Discount on renewal premium is subject to the number of wellness points earned in the health insurance policy. For more details about the plans, please read the sale brochure carefully to get upto 100% discount on renewal premium.

      *₹400/month is the starting price for ₹ 5 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹541/month is the starting price for ₹ 10 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹762/month is the starting price for ₹ 1 Crore Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹243/month(₹ 8/day) is the starting price for a 5 lakh health insurance for a 20-year-old male, non-smoker, living in Bengaluru with no pre-existing diseases

      *₹2020/month is the starting price for ₹ 1 Cr Health insurance for a 50 year old male & 50 years old female, living in Bangalore with no pre-existing diseases rounded off to nearest 10.

      *₹390/month (₹13 per day) is starting price for 1 cr. Health insurance for 25 years old male, with pre-existing diseases, residing from tier 1 city rounded off to the nearest 10.

      *No medical tests are required unless requested by the insurer’s underwriter. In-case of pre-existing diseases relevant medical proof would be required as per the terms and condition of the policy opted.

      *The values taken for effective cost calculation are indicative values and may change as per the selected plan.

      *Coverage upto double the amount of Sum Insured is available on certain covers for a minimum plan of Rs. 5 Lakh on the first claim only to an individual of upto 45 years of age with no pre-existing diseases. The benefit is available with or without extra cost depending on the plan chosen.

      *Coverage of pre-existing diseases is provided by insurer as per their underwriting policy.

      *The scope of coverage may vary from plan to plan.

      ~Source: Google Review Rating available on:- http://bit.ly/3J20bXZ

      ##On ground claim assistance is available in 114 cities

      Tax Benefits are subject to changes in tax laws. GST Exemption depends on fulfilment of qualification criteria and submission of relevant documents as required by the insurers. For more details on risk factors, terms and conditions, please read the sales brochure and applicable rules and regulation carefully before concluding a sale.

      STANDARD TERMS AND CONDITIONS APPLY. For more details on risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale.

      Policybazaar is a registered Composite Broker |Registration No. 742, Valid till 09/06/2024, License category- Composite Broker| Visitors are hereby informed that their information submitted on the website may be shared with insurers.

      Policybazaar Insurance Brokers Private Limited | CIN: U74999HR2014PTC053454 | Registered Office - Plot No.119, Sector - 44, Gurgaon, Haryana - 122001 Contact Us | Legal and Admin Policies

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