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SBI General's Critical Illness Insurance Policy

Be Prepared For Life’s Uncertainties

SBI General's Critical Illness Insurance Policy. Offering you Financial protection from 13 important critical illnesses, this policy offers a fixed sum, irrespective of your actual medical expenses. Enabling you to stay Financially secure and focus on the most important thing – health.

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More details about Critical Illness Insurance Policy

  • Coverage from 13 critical illnesses
  • Up to Rs. 3 Lakhs Sum Insured
  • Two tenure options – 1 year and 3 years
  • Free Look period of 15 days
  • Save tax under Sec. 80 D
  • No Medical Checkup up to the age of 45 years with no medical condition
  • Cancer of Specified Severity
  • Open Chest CABG
  • Aorta Graft Surgery
  • Stroke Resulting in Permanent Symptoms
  • First Heart Attack of Specified Severity
  • Kidney Failure Requiring Regular Dialysis
  • Primary Pulmonary
  • Arterial Hypertension
  • Major Organ/ Bone
  • Marrow Transplant
  • Multiple Sclerosis with Persisting Symptoms
  • Coma of Specified Severity
  • Total Blindness
  • Permanent Paralysis of Limbs
  • Notes:
  • Only one critical illness claim can be made during the lifetime of the insured.
  • The benefit shall be payable as mentioned in the schedule, provided the insured survives for a period of >= 28 days (or as specifically stated period of time in any of the definitions given in policy wording) from the date of the first diagnosis of the Critical illness and subject to survival of the Insured for the minimum assessment periods for covered Critical Illnesses as provided under the descriptions for each of the Critical Illness.
  • Initial waiting period: 90 days for all illnesses (not applicable on continuous renewal).
  • Benefits will not be available for any Pre-Existing Diseasesor related condition(s) or any complications arising thereof for which Insuredhas been diagnosed, received medical treatment, had signs and / or symptoms, prior to inception of Insured’sfirst Policy, unless such a condition is stated in the Proposal form and specifically accepted by the Insurerand endorsed thereon.
  • Insurershall not be liable to make any payment under this Policy in connection with or in respect of any InsuredEvent during theWaiting Period as defined under the Policy.
  • Any diseases causing the death of theInsuredwithin the stipulated Survival Period, measured from the date of incidence of the illness.
  • Anymedical procedure or treatment, which is not medically necessary or not performed by a Medical Practitioner.
  • Any congenital Illness/Conditions.
  • Any Covered Critical Illnessarising from Birth control procedures and/ or hormone replacement therapy and any complications arising thereof from.
  • Any treatment/ surgery for change of sex or any cosmetic surgeryor treatment/ surgery/ complications/ illness arising as a consequence thereof.
  • Any Covered Critical Illnessarising from Treatment by a family member and self-medication or any treatment that is NOT scientifically recognized and any complications arising thereof / there from.
  • Any Covered Critical Illnessarising from Treatment with alternative medicines like Ayurvedic, Homeopathy & Unani, acupuncture, acupressure, osteopath, naturopathy, chiropractic, reflexology, aromatherapy and like and any complications arising thereof / there from.
  • Attempted suicide (whether sane or insane) or intentionally self inflicted Injury or Illness.
  • Sexually transmitted conditions, mental or nervous disorder, , Acquired Immune Deficiency Syndrome (AIDS), Human Immune deficiency Virus (HIV) infection
  • Use/ Abuse of drugs, alcohol, or other intoxicants or hallucinogens unless properly prescribed by a Medical Practitioner and taken as prescribed
  • War, invasion, act of foreign enemy, hostilities (whether war be declared or not), armed or unarmed truce, civil war, mutiny, rebellion, revolution, insurrection, military or usurped power, riot or civil commotion, strikes
  • Participation in winter sports, skydiving/parachuting, hang gliding, bungee jumping, scuba diving, mountain climbing (where ropes or guides are customarily used), riding or driving in racesor rallies using a motorized vehicle or bicycle, caving or pot-holing, hunting or equestrian activities, skin diving or other underwater activity, rafting or canoeing involving white water rapids, yachting or boating outside coastal waters (2 miles), participation in any Professional Sports, any bodily contact sport or any other hazardous or potentially dangerous sport for which Insuredis untrained
  • Infections (except pyogenic infections which shall occur through an Accidental cut or wound) or any other kind of Disease
  • Failure to seek or follow medical advice following the diagnosis of any illness/ disease/ injury.
  • Serving in any branch of the Military or Armed Forces of any country, whether in peace or War
  • Participation in a criminal or unlawful act with a criminal intent.
  • Nuclear contamination, the radioactive, explosive or hazardous nature of nuclear fuel materials or property contaminated by nuclear fuel materials or accident arising from such nature.
  • Genetic disorders and stem cell implantation / surgery/storage.

Disclaimer: The above information is only indicative in nature. For full details of the coverage & exclusions please contact our nearest office and refer to the policy documents.