Q: How to buy SBI General’s Health Insurance Policy-Retail?

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.

Q: Is the SBI General’s Health Insurance Policy–Retail available on the family floater basis?

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.

Q: Is the premium paid against Health Insurance Policy–Retail exempt from Income Tax Act?

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.

Q: What is parental care under SBI General’s Health Insurance Policy–Retail?

The SBI General’s Health Insurance Policy–Retail offers parental care, which is available for persons above 60 years of age. Under this facility, the attendant nursing charges after discharge from the hospital is Rs. 500 or actual, whichever is less per day up to a max. This is available for 10 days per hospitalisation. The insurer reimburses the charges if the time does not exceed 15 days during the entire policy period.

Question 1

Is the Health Insurance Policy-Retail available on an individual and family floater basis?

Accepted Answer

Yes, the Health Insurance Policy-Retail is available on an individual and family floater basis.

Question 2

How to buy SBI General’s Health Insurance Policy-Retail?

Accepted Answer

You can buy SBI General&rsquo;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.

Question 3

Is pre-policy medical test required when buying SBI General’s Health Insurance Policy–Retail?

Accepted Answer

No, there is no requirement of undergoing a pre-policy medical check-up when buying the SBI General&rsquo;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.

Question 4

Is the SBI General’s Health Insurance Policy–Retail available on the family floater basis?

Accepted Answer

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

Question 5

Is the premium paid against Health Insurance Policy–Retail exempt from Income Tax Act?

Accepted Answer

Yes, the premium paid against this SBI General&rsquo;s Health Insurance Policy&ndash;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.

Question 6

Is there any add-on option under the SBI General’s Health Insurance Policy–Retail?

Accepted Answer

Yes, there is an add-on option. The add-on covers available under the SBI General&rsquo;s Health Insurance Policy&ndash;Retail includes removal of sub-limits on Room & ICU Rent, Operation and Consultancy Charges.

Question 7

If I don’t make any claim in a policy period, will I be eligible for a refund of my money?

Accepted Answer

No, there is no procedure to refund your money even if you don&rsquo;t make any claim during the policy period. However, you will be able to earn a &ldquo;Cumulative Bonus&rdquo; of 5%, which can be accumulated up to 25%.

Question 8

Is there any option for additional benefits on hospitalisation due to accident under the SBI General’s Health Insurance Policy?

Accepted Answer

If the policyholder or an insured member meets an accident due to which he or she is hospitalized, then the remaining sum insured becomes 125%, subject to a maximum of Rs. 1,00,000.

Question 9

What is parental care under SBI General’s Health Insurance Policy–Retail?

Accepted Answer

The SBI General&rsquo;s Health Insurance Policy&ndash;Retail offers parental care, which is available for persons above 60 years of age. Under this facility, the attendant nursing charges after discharge from the hospital is Rs. 500 or actual, whichever is less per day up to a max. This is available for 10 days per hospitalisation. The insurer reimburses the charges if the time does not exceed 15 days during the entire policy period.

Question 10

Is any alternative treatment like Ayurveda, Homeopathy, and Unani covered under the health insurance policy of SBI General?

Accepted Answer

Yes, SBI General reimburses the amount incurred in Ayurveda treatment up to a maximum of 15% of the sum insured per policy period up to a maximum of Rs. 20,000. In addition under the Homeopathy and Unani treatment, up to a maximum of 10% of sum insured per policy period up to a maximum of Rs. 15,000 is reimbursed.

Claim Settlement	Dedicated Team
Claim Settlement Ratio	66.08%
COVID-19 Cover	Yes
Network Hospitals	6,000+
Policies Sold	7,56,443
Renewability	Lifelong

Name of Plan	Sum Insured
Arogya Premier PolicyMin: 3 Months; Max: 65 YearsPopular	10 Lakh	Check Premium
Arogya Plus PolicyMin: 3 Months; Max: 65 YearsPopular	1 Lakh	Check Premium
Critical Illness Insurance PolicyMin: 18 Years; Max: 65 Years	2 Lakh	Check Premium
Hospital Daily CashMin: 90 Days; Max: 65 Years	500/day	Check Premium
Health Insurance Policy-RetailMin: 3 Months; Max: 65 Years	50 Thousand	Check Premium
Arogya Sanjeevani PolicyMin: 3 months; Max: 65 years	1 Lakh - 5 Lakh	Check Premium
Corona Kavach PolicyMin: 1 Day; Max; 65 Years	50,000 - 5 lakh	Check Premium
Corona Rakshak PolicyMin: 91 days; Max: 65 years	50000 - 2.5 Lakh	Check Premium

Name of Plan	Sum Insured
Arogya Top up PolicyMin: 3 Months; Max: 65 Years	1 Lakh	Check Premium

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FAQs on Health Insurance Policy-Retail Health Insurance Plan

Is the Health Insurance Policy-Retail available on an individual and family floater basis?

How to buy SBI General’s Health Insurance Policy-Retail?

Is pre-policy medical test required when buying SBI General’s Health Insurance Policy–Retail?

Is the SBI General’s Health Insurance Policy–Retail available on the family floater basis?

Is the premium paid against Health Insurance Policy–Retail exempt from Income Tax Act?

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