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Get a Health Insurance Policy to Cover Medical

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SBI is proud that during the year 2013-14, 1.5 million Saving Bank account holders of SBI General with State Bank of India were covered with Personal Accident Insurance. SBI General has established its presence in nearly 14,000 branches of State Bank of India.
SBI follows a very efficient delivery model covering General Assurance, Agency and Broking Channel and Retail Direct channels. The current geographical coverage of the SBI General extends to 56 cities in India and is present in 350+ locations through satellite resources. SBI has worked hard to make its presence in the whole world. SBI General currently has three major customer areas
SBI follows a very efficient delivery model covering General Assurance, Agency and Broking Channel and Retail Direct channels. The current geographical coverage of the SBI General extends to 56 cities in India and is present in 350+ locations through satellite resources. SBI has worked hard to make its presence in the whole world. SBI General currently has three major customer areas
Corporate sector (between large-scale companies) and
RTE Segment (personal and family),
SME is serving segments.
Health insurance plans have become very important in the modern era because of the cost of medical expenditure and the cost of treatment of various diseases. Apart from this, the current lifestyle of individuals has further pronounced the diseases and diseases which require medical attention. Medical costs are rising upwards and there is no relative increase in the income of the common man, which ultimately faces a financial crisis when faced with a medical emergency. Thus, it is prudent to insure himself against any medical contingencies, so that the financial aspect of at least the crisis is handled by the insurance company and the medical cost is not burdened by the average middle class person.
Why take SBI General Health Insurance?
List of health insurance plans issued by SBI 

Medclaim Policy

Let us look at each of them in detail:
SBI Health Insurance:
As we all know that each person’s health is different from one another and their control is also different on that. The SBI General has always made plans to meet the needs of each person so that they are safe and better health is not available. The essential features of the plan listed below are:
Extensive coverage – 50000 / – to 5,00,000 / –
Until the age of 45, there is no medical test for people without any medical history.
The Flotter benefit of the family has been given in a very broad way by providing protection under the same plan.
Flexible Plan Options – Metro Plan, Semi Metro Plan and Rest of India
The maximum limit for free medical check up for every 4 claims-free years is available upto 2500 / –
Hospitalized expenses for 60 and 90 days respectively
Cashless facility is available in SBI Network Hospitals.
SBI General believes strongly in providing you flexible options.
If you are living in a subway or sub-metro, and you only want to be treated there, then the policy gives you the option to choose a plan. In this way it helps you to choose a plan for your plan, which is suitable according to your needs and therefore the price accordingly

Health Insurance Policy by SBI

Since SBI strongly believes in promoting the needs of the insurer, it constantly tries to provide better health and a sense of security. At present, medical costs are so high that they always leave a big hole in our pocket. The objective of SBI Generals Group Health Insurance Plans is to make medical treatment more manageable. The essential features of the plan listed below are:
No medical test for people without medical history till the age of 65.
Extensive coverage – ranging from Rs. 1,00,000 / – to 5,00,000 / –
Day Care Surgery, which requires less than 24 hours hospitalization.
Room boarding and nursing charges for non-ICU rooms are made up to 1% of the sum assured per day and 2% of the sum insured for ICU related charges are made available per day.
An ambulance fee of 1% of the sum insured provides a maximum of Rs. Can be 1,500
1 year weighting due to a specific disease
Cashless facility available in SBI Network Hospitals
Pre and post expenditure for hospitalization for 30 and 60 days respectively.
Multiple coverage options – The family floater benefit is given in a very broad way by providing them protection under a single plan.

SBI Critical Illness Insurance Policy

As we all know that life is very unpredictable and many times the cycle of events is not always conducive to us. Critical illness is definitely one of those incidents that are not only emotionally but also financially devastating. Patients and their family members are unable to face such high costs. At least 13 serious diseases have been included in this plan. This plan provides a certain amount, in spite of your actual medical expenditure, and thus helps you to bear high costs, so that you are financially stable. The essential features of the plan listed below are:
Insured amount up to Rs. 50,00,000 / –
Pre and post hospitalization expenses for 30 and 60 days respectively
The minimum admission age is 18 years while the maximum admission age is 65 years.
The diseases covered under this plan include cancer, kidney failure, coronary artery bypass surgery, kidney failure, first heart attack, major organ transplantation, stroke, aorta graft surgery, pulmonary artificial hypertension, multiple sclerosis and permanent paralysis of organs.
Cashless facility available in SBI Network Hospitals
Only one serious illness will be covered in this plan throughout the lifetime.
The insurance benefit is payable only if the insurer is alive for the duration of the diagnosis, from the first day to the next 28 days.


SBI Daily Cash Insurance Policy:
The biggest wealth that every person can find is health. There is no guarantee of health and most of the time we are unaware of the shortcomings in it. It destroys a person both financially and morally. The level of stress is completely unimaginable. The daily cash insurance policy of SBI Hospital helps you deal with situations and better cope with the situation.
The plan gives you definite benefits for hospital expenses every day. Thus, there are various expenses involved in this plan, which are not usually in traditional policies. The key features of the plan listed below are:
Cash Advantage of Rs 2,000 per day for hospitalization
Cash Advantage of Rs 4,000 per day for ICU Hospitalization
Cash Benefit up to Rs 4,000 per day in accidental hospitalization
The expenses for pre and post hospitalization are covered for 30 and 60 days respectively.
Minimum entry age is 18 years while maximum entry age is 65 years.

Health premiere policy

SBI Health Premium Policy is designed for individuals with high net worth. It provides a very comprehensive medical coverage option that helps these people get medical attention from top medical experts. In addition to standard Western medicine, it also provides coverage against traditional AYUSH (Ayurveda, Yoga, Greek, Siddha and Homeopathy). These alternative treatments should be done in any government hospital or quality council of India or recognized by the National Accreditation Board on Health, which was established by the related programs for the Quality Council Recognition and Health Service Sector.
Health Premium Policy provides guaranteed safety and peace of mind to a person as he may take the policy for himself and his family as well. SBI has further expanded the policy with many advantages such as hassle-free purchase process, an accessible age limit, health check-up at regular intervals, tax savings, accumulated bonus options, and coverage on a large number of diseases and diseases. The essential features of the plan listed below are:
Individual / Family and Flator option comes in. In the family, the insured, his spouse, children, parents, parents are included in the law family plan. In Family Floater, up to the age of 23, the husband, wife and dependent children are included
The most comprehensive coverage has been provided in policies ranging from Rs. 10,00,000 to Rs. 30,00,000.
Minimum and maximum age of entry is 3 months and 65 years
For those 55 years of age or under who do not have any medical history, no medical examination is necessary for them.
Can be taken for 1, 2 or 3 year term. 5% discount for 2 year cover and 7.5% discount for 3 year period
Pre and post hospitalization expenses for 60 and 90 days respectively
Maternity expenditure is covered after the initial period of 9 months after taking the policy

Insurance costs up to 142 days of care and even donor expenditure
An SBI Health Insurance Claim Ambulance Cost (including Air Ambulance) to Rs. 1,00,000
Cumulative bonus of 10% of the sum insured is given for each claim-free year, which is 50%
Covers up to.

Health Plus Policy

This cover helps against the rising costs of OPD and hospital expenses and ensures that policyholders do not spend more money on hospital bills. These medical bills are serious
And can be a big threat to the current and future financial situation of the people. In addition, most policies in the market offer a limited cover against expenses. Apart from this, these cover do not protect against the OPD expenses of the day and the person has to bear all these expenses himself. In such a situation, SBI General Health Plus policy helps people to cover the expenses. The essential features of the policy listed below are:
SBI General offers two plan options: Individuals and Families where the amount of insurance for dependents is equal to or less than the primary party’s sum insured.
Minimum and maximum membership in the plan can be taken for 3 months and 65 years respectively.
This policy is insured against the insured’s hospitalization amount of Rs. 1,00,000, Rs. 2,00,000 and Rs. Provides 3,00,000 options; OPD reimbursement depends on factors such as age, premium and family type.

There is a flat premium which remains for all ages only. Annual premium of Rs. 8, 9 00, Rs. Rs. 13,350 or Rs. 17,800 for a sum assured of Rs. 1 lakh, Rs. 2 lakhs and Rs. 3 lakhs
There is no provision on Maternity Expenses, which covers them for the full amount of the policy. It also recognizes Maternity expanses under OPD benefits, provided that these expanses have been raised after the policy period of 9 months of taking the policy.
Provides three tenure options – 1 year, 2 years and 3 years
Pre-existing diseases have not been covered for the first 4 years of the plan and certain specific diseases are not included for the first year of cover

Health Top Up Policy

The SBI General’s Top-up Health Plan is ideal for meeting the expenses of unexpected events like above or more of the Basic Insurance Plan or more like accidents or illnesses. With a big top up cover, Policy Individuals and Families (under the Flator Plan) help to meet the large costs of hospital recruitment and recovery nowadays. The essential features of the plan listed below are:
This plan comes in Individual / Family and Family Floater options, in which the Family Plan includes, in addition to the insured, his spouse, dependent children, parents, parents in law. Parents and Parents These Law are not included in Family Floater Plan.
Offers a large coverage starting from Rs 1,00,000, with a maximum value of Rs. 50,00,000 and in which the deductible option is Rs. 1,00,000 to Rs. 10,00,000 Deadweight option comes in multiples of 1 lakh.
No medical examination is required for people up to the age of 55.
Available for 1, 2 or 3 year policy term, 5% discount in premium for 2 year policy and 7.5% discount for 3 year plan.
SBI provides health insurance claim cover for 60 days and 90 days respectively for pre and post hospitalization.
142 day care expenditure, maternity expense (after 9 months before taking the policy), and even organ donor expenditure.
Ambulance reimbursement up to Rs 5,000 for the fee.
Provides alternative treatments such as Ayurveda, Yoga, Greek, Siddha and Homeopathy (Ayush).
SBI is a grace period of 30 days from the last day of the policy term for health insurance renewal.
Tax deduction under section 80D of Income Tax Act provides.




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