There is nothing in life that follows a pre-decided pattern. An illness, ailment or accidental body injury can take a toll on your finances. SBI General health insurance offers hospital daily cash that helps you to take control of such situations.
The plan offers you the fixed benefit for every day of hospitalization regardless of the hospitalization benefit. It offers the extra-layer of protection as it looks after the additional charges that aren’t covered by your basic insurance.
The plan offers you the fixed benefit for every day of hospitalization regardless of the hospitalization benefit. It offers the extra-layer of protection as it looks after the additional charges that aren’t covered by your basic insurance.
In the case of the accidental bodily injury or illness occurs or manifests during the policy duration which causes the hospitalization, then the benefit of hospitalization would be paid as per the predefined deductibles.
Exclusions
SBI General health insurance won’t be liable for the following situations.
- Any condition, illness or injury for which you’ve been diagnosed and the received medical treatment, had symptoms or signs before buying your policy and any ailments contracted within the first 30 days of the start of your plan.
- Specific diseases and surgeries such as hydrocele, hernia, etc will be covered when the waiting period of one year is over.
- Particular diseases such as hysterectomy, cataract etc. will be covered when the waiting period of two years are over.
- Joint replacement surgery would be covered when the waiting period of three years are over. If a joint replacement surgery is required because of an accident, then it will be covered.
- Treatment due to pregnancy and childbirth including c-section, and any treatment regarding the pre-natal and post-natal care.
- Any treatment related to mental disease/illness, psychological or psychiatric disorders.
- Any treatment expenses related to AIDS.
- Any treatment arising due to any substance abuse, drug or alcohol consumption and de-addiction treatment.
- "Day care Treatments” expenses are not included.
Plan Options
SBI General health insurance comes in 4 options that provide the daily cash benefit. The following are details of these plans.
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