Financial Protection
Treatment for COVID 19 can sometimes cost you lakhs of rupees. Such expenses can end up draining your hard-earned money. A COVID 19 health insurance policy can offer coverage against high medical expenses so that you don’t have to suffer hefty financial losses.- Need Help
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Be Well-Prepared Against
The Novel Coronavirus With
COVID-19 Health Insurance
- 6000+ Network Hospitals
- 24,700 SBI Branches
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- ₹ 15000 Cr General Insurance Claims Handled
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Why COVID 19 Insurance ?
The impact of the COVID 19 pandemic has now lessened as we have vaccines with proven efficacy. However, that does not mean that we can throw caution to the wind. The novel coronavirus has shown its ability to mutate and newer Variants, such as Omicron, have surfaced in recent times. Therefore, it is necessary to continue to stay protected against infection. And for those circumstances that are simply unavoidable, we have COVID health insurance. A COVID health insurance plan can cover you and your loved ones against the heavy expenses that can accompany hospitalisation for complications arising from a COVID-19 infection. This way, you can get access to the best treatment for yourself and those you care about without worrying about the costs.
COVID 19 Health Insurance Plans from SBI General Insurance
SBI General Insurance offers a range of COVID 19 health insurance plans with varying degrees of coverage against the novel coronavirus. Take your pick as per your requirement and budget. Let’s take a look at some of the options you can consider:
Why Choose SBI General Insurance?
SBI General Insurance is a leading insurance provider in the country
Our health insurance plans are designed to offer you comprehensive coverage against a range of illnesses. We believe in giving you maximum coverage at an affordable premium. Now, you don’t have to worry about getting your medical expenses covered when you fall ill. We have a wide network of cashless hospitals and an efficient customer support team to assist you with buying coverage and settling claims. Choose SBI General Insurance for your COVID 19 health insurance plans for true peace of mind.
Benefits of COVID 19
Health Insurance
When you buy a COVID health insurance plan, you get many benefits, such as:
Income Replacement
While being sick with a COVID 19 infection, you might need to take time off from work. A benefit based COVID 19 health insurance policy can serve as income replacement and allow you to afford your bills, rent, groceries, and medical expenses.
Tax Deductions
Just like with regular health insurance, the premiums you pay on your COVID health insurance qualify for tax benefits too.Important Points to Note Before Buying a COVID 19 Health Policy
If you are buying a COVID 19 health policy for the first time, here are a few points that can help you select the right plan.
Family Floater Plan Vs Family Non-Floater (Family Individual) Coverage
You need to decide whether the COVID 19 health policy you want to buy should be a family floater or non-floater plan.
A family floater plan can cover all your family members for a single premium & the overall sum insured can be utilized by all insured members, whereas a non-floater or family individual health policy offers individual sum insured for each member of the family at an individual premium. Alternately, if you wish to cover a single member in the family – the same can be done via an individual health insurance policy.
Select the Right Sum Insured
Your COVID health insurance plan should have a sum insured that suffices to cover treatment costs in your city or area of residence. If you are including family members for coverage, you may want to opt for a higher sum insured.
Look at Network Hospitals
Treatment should be availed in Network hospitals of Insurer located close to your residence. Travelling far for treatment can get quite difficult, especially for senior members for your family.
Family Floater Plan Vs Family Non-Floater (Family Individual) Coverage
Select the Right Sum Insured
Look at Network Hospitals
Family Floater Plan Vs Family Non-Floater (Family Individual) Coverage
You need to decide whether the COVID 19 health policy you want to buy should be a family floater or non-floater plan.
A family floater plan can cover all your family members for a single premium & the overall sum insured can be utilized by all insured members, whereas a non-floater or family individual health policy offers individual sum insured for each member of the family at an individual premium. Alternately, if you wish to cover a single member in the family – the same can be done via an individual health insurance policy.
Select the Right Sum Insured
Your COVID health insurance plan should have a sum insured that suffices to cover treatment costs in your city or area of residence. If you are including family members for coverage, you may want to opt for a higher sum insured.
Look at Network Hospitals
Treatment should be availed in Network hospitals of Insurer located close to your residence. Travelling far for treatment can get quite difficult, especially for senior members for your family.
Things You Should Know About COVID 19
Having the right information on hand can prove immensely helpful during these tough times. Here are some important facts you need to know about COVID 19:
Symptoms
It is important to know the symptoms of infection so that you and your loved ones can seek timely care. The most common symptoms of a COVID 19 infection include coughing, fever, headache, diarrhoea, breathlessness, and fatigue. Patients with comorbidities might experience a more severe onset of symptoms as compared to others.
Treatment
Most people get well with rest and medications that can be taken at home. However, patients with comorbidities or severe symptoms may have to be hospitalised. Symptoms can show up anywhere between two days to two weeks after infection.
Staying safe
Prevention is the best cure and so it is important to take necessary precaution. Even though we have vaccines, the virus has shown its ability to mutate. Make sure to wash or sanitise your hands before touching your eyes, nose, or mouth. Try to continue to practice social distancing as far as possible. Senior citizen and young kids must take extra caution as they could be more vulnerable than others.
FAQs
If you are under 45 years of age and do not have any pre-existing diseases, you don’t need a medical test before buying your policy. Some medical policies don’t need medical tests up to the age of 55 years.
You can get your COVID health insurance plan on the SBI General Insurance website. You may also get in touch with our agents or purchase your coverage from any of our branches.
To raise a claim, call us on 1800 210 6366 OR email us on sbig.health@sbigeneral.in
Arogya Supreme Policy - UIN: SBIHLIP21043V012122
Arogya Sanjeevani Policy, SBI General Insurance Company Limited - UIN: SBIHLIP20180V011920
Arogya Top-Up Policy - UIN: SBIHLIP22137V032122
Disclaimer: The coverages/benefits and the extent of coverage may vary between plans. Please read the policy wordings carefully before making a purchase.
SBI General Insurance and SBI are separate legal entities and SBI is working as Corporate Agent of the company for sourcing of insurance products.
Tax benefits are subject to change in tax laws.
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