SBI Group Health Insurance Policy Online

There are different types of health insurance policies that are available in the insurance market. Apart from the standard health insurance plans for individuals, you can also buy health insurance plans for your family members and employees if you are an organization head, by including all the members in a single policy. These types of policies are called group health insurance covers. These plans cover the medical expenses of all the beneficiaries mentioned within the policy in case of an emergency.

SBI Group health insurance is a prominent plan that is preferred by many customers. The sum assured under such a plan is decided according to the number of members included, pre-existing diseases, age of the applicants, and much more. These factors define the type of plan and its features that will be made available to the policyholder. You can also customize your health insurance policies at SBI Group health insurance to make sure that your requirements and demands are met at an affordable price.

SBI Group Health Insurance Policy

SBI health insurance is one of the most promising products offered by SBI General Health Insurance Company. It covers multiple medical expenses in case of a disease, accident, or illness. Various offers are made available for the policyholders which include pre and post-hospitalization expenses, daycare procedures, in-patient costs, domiciliary expenses, etc. This company is one of the most trusted insurance companies in the subcontinent and it aims to provide its customers with quality services. Let us look at some of the standard features of the SBI Group Health Insurance Policy: 

• The required age to enter into this group health insurance cover by SBI health insurance ranges from 18 to 65 years. 
• In the case of children, the entry age ranges from 3 months to 30 years. 
• Sum assured under SBI Group Health Insurance ranges from Rs. 1 Lakh to Rs. 5 Lakh, which turns out to be sufficient for all the members within the policy. 
• Pre-hospitalization expenses of 30 days before the hospitalization are covered within this policy. 
• Post- hospitalization expenses of 60 days after the hospitalization are covered within this policy. 
• Cashless claim or cashless treatment is provided to the policyholders of this plan in the network hospital of the insurer. 
• An average waiting period of 4 years is applicable in case of pre-existing diseases. 
• For any specified disease, the waiting period after which the coverage can be claimed in one year. 
• Multiple coverage options are offered by the insurer under this group health insurance plan. 
• The tax deduction is offered on the premium payments by the SBI Group Health Insurance under Section 80D of the Income Tax Act.
• You can renew your policies for a lifetime without any maximum age limit, which ensures your bond as a customer with the insurer. 

SBI Group Health Insurance Online 

Much like any other health insurance policy offered by SBI Health Insurance Company, the group insurance cover can also be purchased online on the official website of the insurer. The online purchasing of the policy is quick and hassle-free. It is a time-saving option and can be done with ease in the comfort of your home. All you need is a scanned copy of necessary documents if in case they are asked and a good internet connection. Claim settlement process for SBI Group Health Insurance policy can be either cashless or reimbursement, based on your choice and condition. Let us look at some of the basic medical expenses which will be included in the group health insurance policy by SBI health insurance: 

• Ambulance charges up to 1% of the sum assured. 
• Medical specialist fees. 
• Daycare surgery expenses 
• Co-payment of 10% up to the admissible claim limit. 
• Domiciliary hospitalization expenses of up to 20% of the sum assured.  
• Room boarding and ICU charges, and a lot more. 

Conclusion 

The inclusions and exclusion of the purchased SBI Group Health Insurance policy can be found and thoroughly read from the fine print of the policy-related documents. The terms and conditions mentioned by the insurer make it easy to settle a claim effectively without any hassles. 

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Disclaimer: This article is issued in the general public interest and meant for general information purposes only. Readers are advised not to rely on the contents of the article as conclusive in nature and should research further or consult an expert in this regard.