SBI Retail Health Insurance

Under this add-on cover, the sub-limits on operation and consultancy charges are removed. The insurer allows the primary insured to opt for any one or both the add-on covers. And the add-on covers are applicable to all the members in the family.

A worthy investment in all aspects, Health Insurance Policy - Retail will provide you cover for inpatient hospitalisation, pre & post hospitalisation expenses, organ donor expenses, convalescence benefit, Ayurvedic medicine, accidental hospitalisation, etc. On paying additional premium, you can also gain removal of room & ICU rent sub-limits, removal of sub-limits on operation and consultancy charges, removal of Ayurvedic and Homeopathic cover. Other prime features offered by the policy include - 

• 30 days pre and 60 days post hospitalisation expenses
• Ambulance charges covered - 1% of sum insured up to a maximum of Rs. 1,500
• No medical test up to the age of 45 years for people with no medical history
• Free medical check-up for every 4 claim free years up to a maximum limit of Rs. 2,500
• Limit of Cataract - 15% of sum insured, subject to a maximum of Rs. 25,000 per eye
• Domiciliary Hospitalisation - 20% of sum insured maximum up to Rs. 20,000, whichever is less
• Coverage for selected daycare surgeries requiring less than 24 hours hospitalisation
• Parental Care - Attendant nursing charge to take care of parents above 60 years of age
• Child Care - Attendant escort charge to take care of child below 10 years of age

Offering financial help with its cover for multiple medical expenses that are otherwise hard to manage, Health Insurance Policy - Retail takes stress off from policyholders’ minds. Rich in fruitful features, the policy also comes with key elements that provide insured individuals with a complete experience. The significant elements of policy include -

• No exit age 
• Assured policy renewal
• Lifelong renewability feature 
• Fair, transparent, and quick claim settlement
• Premium paid is exempt from Income Tax under Sec 80D of Income Tax Act

To sum up, Health Insurance Policy - Retail is a wide coverage plan that none should reject to make a smart health investment.

If you are willing to buy Health Insurance Policy - Retail, choose online mode to enable quick issuance. Choosing InsuranceDekho as the online platform to purchase the policy would be a supreme choice to reap benefits such as policy portability, claim settlement support, policy transparency, and various others.

You can buy SBI General’s Health Insurance Policy-Retail from the official website of SBI General. Or, you can also buy this plan by calling InsuranceDekho at its toll-free number 1800-1205-698. 

No, there is no requirement of undergoing a pre-policy medical check-up when buying the SBI General’s Health Insurance Policy-Retail up to the age of 45 for people with no medical history. The insurance policy also allows free medical check-up after every 4 claim-free years up to a maximum limit of Rs. 2,500. 

Yes, the SBI General’s Health Insurance Policy–Retail is available on the family floater basis. It means that your entire family members can be covered under one single policy. 

Yes, the premium paid against this SBI General’s Health Insurance Policy–Retail is exempt from Income Tax under Sec 80D of Income Tax Act. It is essential to keep in mind that tax benefits are subject to change in tax laws.