SBI Health Edge Insurance Plan

SBI General Insurance has created a new customisable digital-only health insurance plan, "Health Edge Insurance". Under this single comprehensive plan, there are 9 essential indemnity covers and 18 optional covers. The Health Edge Insurance Plan has been created to include facilities like global treatment cover that ensures the proper in-patient medical care of the insurance holder anywhere outside India. With this insurance plan from SBI General Insurance, the policyholder will also be covered for allopathic medical expenses, including diagnostics and pharmacy expenses. The expenses are available for both individual and floater plans.

SBI Health Edge Insurance
Categories	Benefits
Sum Insured	Rs. 3 Lakhs - Rs. 25 Lakhs
Policy Tenure	1 Year, 2 Years, 3 Years
Network Hospitals	6000+
Incurred Claims	81.92%
Initial Waiting Period	30 Days
Cardiac Conditions, Hypertension and Diabetes Waiting Period	90 Days
Critical Illness Waiting Period	90 Days
Pre-Existing Diseases Waiting Period	2 Years
Specific Diseases Waiting Period	2 Years
Global Treatment Waiting Period	3 Years
Maternity Expenses Waiting Period	4 Years
Assisted Reproduction Treatment Waiting Period	4 Years

SBI Health Edge Insurance Plan: Benefits

The following are the benefits of purchasing the SBI Health Edge Insurance Plan:

Hospitalisation Benefit - SBI Health Edge Insurance Plan helps cover the expenses incurred throughout the hospitalisation period. The hospitalisation period should be more than 24 hours.
ICU Expenses Benefit - Under the Health Edge Plan from SBI, the insured is eligible for any expenses incurred if admitted to an ICU. The expenses include room rent, ICU or ICCU expenses, nursing and medical expert fees, and diagnostic and surgical procedures.
AYUSH Treatment Benefits - If the insured chooses to opt for any of the traditional treatment methods, in that case, they are eligible for AYUSH benefits. The insurance provider will compensate for the expenses incurred under this clause.
Stay Fit Health Check-Up Benefit - If any of the members in the insured’s family is above 18 years old, they are entitled to a health check-up each year. The members receive the benefit at the end of each policy year.
Bariatric Surgery Cover - The Health Edge Medical Plan also provides the insured up to Rs. 50,000 for Bariatric surgeries. It is provided when the guaranteed or their family undergoes bariatric surgery.
Unlimited Refill Benefit - The unlimited refill benefit included in the SBI Health Edge Plan provides endless coverage for related and unrelated illnesses within the policy duration. The benefit begins from the first paid claim and allows for different medical claims without limits on the total coverage amount.

SBI Health Edge Insurance Plan Eligibility Criteria

SBI Health Edge Insurance Plan
Parameters	Eligibility Criteria
Minimum Entry Age	Adult - 18 Years Child - 91 Days
Maximum Entry Age	Adult - 65 Years Child - 30 Years
Coverage Type	1 Year, 2 Years, 3 Years
Renewability	Lifelong

SBI Health Edge Insurance Plan: Inclusions

The SBI Health Edge Insurance plan provides the following inclusions:

Domestic Help/Staff Indemnity - The domestic help/staff indemnity inclusion assists with expenses in case of a medically required procedure. It is applicable all through the policy period. This inclusion applies to all procedures, including in-patient hospitalisation, day-care treatment, and AYUSH treatment.
Hospital Daily Cash Allowance - This SBI Health Edge Insurance plan provides the insured daily cash allowance for each completed duration of hospitalisation for 24 hours. The daily cash benefit can go up to Rs.1000 for 10 days or Rs. 2000 for 10 days for the entire policy term.
Critical Illness Cover - The critical illness inclusion provides the insured with Rs. 3,00,000 for family members above 18 years. It applies if they are diagnosed with any of the critical illnesses listed after the end of 90 days.
OPD Cover - Regardless of expenses like pharmacy and diagnostic, anyone choosing the OPD cover inclusion is eligible for reimbursement of Rs. 5000 per insured member for allopathic OPD expenses.
Accidental death for primary insured - A lumpsum amount ranging between Rs. 10 lakhs and Rs. 20 lakhs is assured in case of accidental death of the primary insured. It is applicable only if the death occurs within the year of purchasing the policy.

SBI Health Edge Insurance Plan: Exclusions

The following are the exclusions of the SBI Health Edge Insurance plan:

Rest, cure and rehabilitation care
Change of gender or treatments to change gender
Any cosmetic or plastic surgery.
Expenses arising out of domiciliary hospitalisation.
Excluded health care providers or facilities.
Hazardous activities or adventure sports.
Any breach of laws.
Treatment to recover from addictive substances.
Treatments done in spas, nature clinics, or similar centres.
Situations of nuclear attack or war.
Breach of law while committing intentional self-injury.

FAQs

Q1. Is there a need for a pre-policy check-up in the SBI Health Edge Insurance plan?

Ans: No. There is no need for a pre-policy check-up when purchasing the SBI Health Insurance plan for individuals up to 55 years.
Q2. What is the highest number of members that can be added to the SBI Health Edge plan?

Ans: The highest number of members that can be added to the SBI Health Edge medical plan is four.
Q3. What is the duration of the free-look period in the SBI Health Edge insurance plan?

Ans: The free-look duration for the SB Health Edge insurance plan is 15 days.
Q4. Is there a co-payment option available in the SBI Health Edge medical plan?

Ans: Yes. There is a co-payment option available in the SBI Health Edge medical plan. The co-payment option, if chosen, will apply 10% to 20% to each permissible claim. Once availed, the co-payment option cannot be removed from the policy during the next renewal.
Q5. Does the SBI Health Edge Insurance Plan have an easy claim procedure?

Ans: Yes. The SBI Health Edge Insurance Plan has an easy and fast claim procedure. Additionally, the process is transparent and convenient enough to ensure it is completed with minimal hassles.

Policybazaar exclusive benefits

30 minutes claim support*(In 120+ cities)
Relationship manager For every customer
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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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