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Health Insurance Policy - Retail

  • Wide Coverage
  • Nursing Expenses
  • Coverage for Entire Family
  • Tax Exemption : Sec 80 D
  • Pre and Post Hospitalisation Expenses

Benefits of Health
Insurance Policy - Retail

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Wide Coverage

Wide Coverage

The coverage of this policy ranges from Rs. 50,000 to Rs. 5,00,000. Individuals can opt for a sum insured as per their needs and preference.
No Medical Check-Up

No Medical Check-Up

No pre-policy medical test is required up to the age of 45 years for people with no medical history.
Family Floater

Family Floater

When availing this policy, individuals can extend the coverage to their spouse & 2 children by opting for family floater plan.
Flexible Plans

Flexible Plans

Depending upon their area of residence, individuals can opt for Metro Plan, Semi Metro Plan or Rest of India Plan.
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Why Health Insurance Policy - Retail?

Secure Your Finances Against Future Uncertainties.

This policy offers you financial protection by taking care of your medical bills in case of hospitalization. This allows you to focus on your recovery rather than worrying about the expenses during uncertain times.

Who Can Buy This Policy?
Any individual between 18 to 65 years of age can buy this policy for oneself, their spouse, dependent children( 91 days -25 years) & dependent parents.

What is Covered & Not Covered Under Health Insurance Policy - Retail

Take a look at the various features and benefits of Health Insurance Policy - Retail offered by SBI General Insurance

      • Wide Coverage – Rs. 50,000 to Rs. 5 lakh
      • 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
      • Your hospital room rent, boarding expenses and doctor fees
      • Operation Theatre and Intensive Care charges
      • Medicines that you consume during the hospital stay
      • Pre and Post hospitalisation expenses up to 30 and 60 days respectively
      • Treatment taken outside India.
      • Injury or disease directly or indirectly caused by or contributed to by nuclear weapons/materials.
      • Cosmetic or plastic Surgery
      • Change-of-Gender treatments
      • Expenses related to any treatment necessitated due to participation as a professional in hazardous or adventure sports
      • Rest cure, rehabilitation and respite care .
      • Treatment with alternative medicines like acupuncture, acupressure, osteopath, naturopathy, chiropractic, reflexology and aromatherapy .
      • Expenses for treatment directly arising from or consequent upon any insured person committing or attempting to commit a breach of law with criminal intent. .
      • Sterility and infertility .
      • Unproven treatments .

      Note: The above lists of inclusion & exclusions are illustrative and not exhaustive. For a full list of the exclusions , please refer to policy wordings. .

       

Highlights

Key Feature
    • Wide Coverage – Rs. 50,000 to Rs. 5 lakh
    • 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
What's Covered
    • Your hospital room rent, boarding expenses and doctor fees
    • Operation Theatre and Intensive Care charges
    • Medicines that you consume during the hospital stay
    • Pre and Post hospitalisation expenses up to 30 and 60 days respectively
What's Not Covered
    • Treatment taken outside India.
    • Injury or disease directly or indirectly caused by or contributed to by nuclear weapons/materials.
    • Cosmetic or plastic Surgery
    • Change-of-Gender treatments
    • Expenses related to any treatment necessitated due to participation as a professional in hazardous or adventure sports
    • Rest cure, rehabilitation and respite care .
    • Treatment with alternative medicines like acupuncture, acupressure, osteopath, naturopathy, chiropractic, reflexology and aromatherapy .
    • Expenses for treatment directly arising from or consequent upon any insured person committing or attempting to commit a breach of law with criminal intent. .
    • Sterility and infertility .
    • Unproven treatments .

    Note: The above lists of inclusion & exclusions are illustrative and not exhaustive. For a full list of the exclusions , please refer to policy wordings. .

     

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Not sure? Get Recommendations from SBIG

Answer a few easy questions to help us create a plan for you.

  • RENEW POLICY
  • FILE A CLAIM
  • NETWORK HOSPITALS
RENEW POLICY

Want to Renew Your Existing Policy?

With our quick and seamless renewal process, you can renew your policy effortlessly from the comfort of your home.

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FILE A CLAIM

Want to File a Claim on Your Existing Policy?

Customers’ well-being and convenience are top priority for us. We offer a hassle-free claim process & provide thorough claim assistance.

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NETWORK HOSPITALS

Looking for Your Nearest Cashless Hospital?

Benefit from our wide range of network hospitals & avail cashless treatment without any inconvenience.

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At SBI General, we know that Trust is Earned.

FAQs about Health Insurance Policy - Retail

Here are the commonly asked questions about Health Insurance Policy - Retail

The minimum & maximum coverage under this policy is Rs. 50,000 & Rs. 5 lakh respectively.

The add-on covers available under this policy are:

  • Removal of Room & ICU rent sub-limits.
  • Removal of sub-limits on Operation & Consultancy charges.

Minimum entry age is 18 years & maximum entry age is 65 years for this policy. Children from the age of 3 months can be covered if either of the parents is concurrently covered with SBI General’s Retail Health Insurance Policy.

This policy is available for a tenure of 1 year.

Premium for family floater policy is calculated basis the age of the oldest family member to be insured.

Product UIN

SBIHLIP22138V042122

DISCLAIMER:

The above information is indicative in nature, for more details on complete coverage and terms and conditions, please contact our nearest office and also read the policy document and sales brochure carefully before concluding a sale.
SBI General Insurance and SBI are separate legal entities and SBI is working as Corporate Agent of the company for sourcing of insurance products.
Number of network hospitals would differ based on the TPA servicing your policy.
*T&C Apply.

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