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Health Insurance portability will allow the policy Holder protection against discontinuity and loss of coverage against pre-existing diseases consequent to his/ her decision to shift to another insurer at the time of renewal.
Yes, you can port your existing Health indemnity policy into this policy
Alternative Treatment, like Ayurvedic, Homeopathy or Unani, taken in a government hospital or in any institute recognized by government and/or accredited by Quality Council of India/ National Accreditation Board on Health) is covered under the policy up to Sum Insured.
The claim in the grace period is not payable unless the premium has been paid for renewal of the policy. In case of non-payment of renewal policy, it will be considered as a break in policy.
Yes, there is a grace period of 30 days for renewal of the policy
The policy covers 60 days pre - hospitalisation and 90 days post- hospitalisation expenses
Deduction u/s 80 D of income tax act is available from taxable income for premium paid towards health insurance
For self, spouse and dependent children - Maximum INR 25000/-
For Parent(s)- Maximum INR 25,000/-
In case Parents are resident senior citizens- Maximum INR 30,000/-
Yes, there is a loading of 5% in premium for each of the habits
No, there is no deductible or Co-pay under this policy
Yes, there is a free look period of 15 days from the receipt of the policy
Yes, there is a discount of 5% for 2 year term and 7.5% for three year term policies
Yes, the policy is available for upto 3 years
Yes, the ambulance charges including Air Ambulance charges upto Rs 1,00,000/- for the policy period are payable.
Yes, 142 day care procedures are covered under the policy
Yes, cumulative bonus of 10% for each claim free year is available and you can accumulate upto a maximum of 50% under each policy.
Sum Insured options of INR 10,00,000 to INR 30,00,000 are available
Pre-acceptance health check is not mandatory for people who are less than 55 years old and without any history of illness. Insured’s with following condition, acceptance of proposal is subject to a satisfactory medical examination as per SBI General’s requirements:
Insured with adverse medical history as declared in Proposal Form or,
Insured aged above 55 years & irrespective of Sum Insured.
The cost of Pre-acceptance medical tests has to be borne by the proposer. However, if the proposal is accepted, there will be a reimbursement of 50% of the cost incurred towards the medical tests so undertaken at our advice.
Yes, the Sum Insured is automatically reinstated to 100% of the original Sum Insured under the policy on payment of claim.
Yes, Maternity hospitalisation expenses are payable under the policy with a waiting period of 9 months.
Anyone of age between 3 months and 65 years can be covered under the policy.