Overview of Critical Illness Health Insurance by SBI

SBI Critical Illness insurance plan provides coverage against thirteen most dangerous critical illnesses. The plan provides a fixed sum assured, regardless of the actual medical charges. It helps to bear the expenses of the treatment regarding the critical illness and staying financially stable at the same time.
This article will be your guide to critical illness health insurance plan by SBI

Key Features Critical Illness Health Insurance Plan by SBI

The critical illness insurance plan SBI health insurance is available in 2 variants.

• 1 year Plan
• 3 year Plan

The selection of the policy period is your personal decision.

Coverage of Critical Illness Health Insurance Plan by SBI

The plan offers insurance coverage for 13 critical illnesses. The benefit of insurance is payable if the insured individual is alive for a specific period of more than/equal to 28 days when the illness was diagnosed. 

Here are the 13 critical illnesses covered by this insurance plan.

Specifically, 1 critical illness claim is allowed by the insurance provider during the insured’s lifetime. The critical illness plan ceases to exist instantly after the first payment of the first benefit of critical illness as per the plan. The maximum sum insured amount as per the critical illness coverage for any person is Rupees 5 Lakh which includes all the plans which are issued by the insurance provider. 

The minimum entry age for SBI General’s critical illness insurance plan is 18 years, and the maximum entry age is 65 years.

Exclusions of Critical Illness Health Insurance Plan by SBI

The exclusions mentioned below apply to the admissible benefits as per this plan and no coverage would be provided for the circumstances and for the conditions/ treatments/ tests mentioned below. 

• Pre-existing illness, or conditions and complications related to it. 
• There is a waiting period of 3 months from the date when the policy is issued. 
• Any congenital conditions or illness. 
• Any sane or insane attempted suicide or self-inflicted illness or injury on purpose. 
• Any Sexually transmitted diseases or conditions, mental and nervous disorders, Acquired Immune Deficiency Syndrome, and Human Immune deficiency Virus infection. 
• Consumption of alcohol, drugs, hallucinogens or any intoxicants unless it is prescribed by a doctor and it is taken as per the prescription.

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