SBI General Health Edge Health Insurance Plan

SBI General Health Edge Health Insurance Plan

Overview

SBI General Insurance was founded in 2009. It started operations in 2010, as a joint venture between State Bank of India (SBI) and Insurance Australia Group (IAG). In September 2018, the company sold a 4 per cent stake to Axis Asset Management Company and Premji Invest for ₹4.82 billion (US$60 million) crore. <p>The company offers a range of general insurance products including insurance for automobile, home, personal accident, travel, energy, marine, property and casualty as well as specialized financial lines.</p>

Highlights For

Health Edge

Maternity Benefits

Restoration

Room Rent

Day Care

Bariatric Treatments

product highlights for Health Edge

Features

Sub-limits

Pre-Hospitalisation : 30 days

The amount of expenses incurred during this period prior to hospitalisation such as diagnostic tests, doctor fees, medicines, etc. for investigiation purpose are also payable by the insurer

Post Hospitalisation : 60 days

The amount of expenses incurred during this period after discharge from hospitalisation for the purpose of recovery such as follow-up tests, doctor fees, medicines, etc. are also payable by the insurer

Pre existing Disease cover : 24 Months

Coverage for all Pre-Existing Diseases covered after a certain specified waiting period with continuous renewal.

Waiting Period- Initial : 30 days

No claims are accepted within this period except due to accidents/ injury.

Waiting Period- Specific : 24 Months

Listed specific illness

Waiting Period- PED : 24 Months

No pre-existing ailment related claims are accepted within this period.

Room Rent : Upto SI

Room rent for in-patient hospitalisation

ICU Charges : Upto SI

Charges for ICU hospitalisation

Co pay : No

% of the claim that the policyholder needs to pay out-of-pocket

Restore Benefit/ Recharge/ Refill : Unlimited

If the sum insured is exhausted due to hospitalisation expenses of one or more members, there is an automatic restoration of the sum insured for related or unrelated ailments.

Health Check up : Up to ` 5,000

Free annual health check-up for all insured members according to the list of tests specfied in the policy document.

No Claim Bonus : 50% of the previous year's base sum insured for each claim-free policy year, up to a maximum of 200%

% of the sum insured that rises every claim free year.

Video/telephone consultation : Yes

E-consultation with expert doctors empanelled with the insurer for a second opinion.

Domiciliary hospitalization : No

Home care treatment where there are no beds in the hospital or paitient is not in a condition to be moved to the hospital, This treatment is provided under the supervision of a registered medical practitioner.

Ambulance : Yes,upto 3,000 per hospitilisation

Transportation of the patient to the hospital and back home

Convalescence benefit : ` 1000 for 10 days ` 2000 for 10 days

A specific fixed amount of money paid as a recovery benefit for extended hospitalisation.

Organ Donor : No

The costs for a surgical procedure of removal or damaged organ from the patient's body which could otherwise be fatal.

Bariatric cover : Yes,upto 50,000

Expenses related to obesity-related conditions such as high BP, sleep apnea, arthiritis asthma, etc.

Daycare : Upto SI

Covers in-patient hospitalisation expenses where the stay is <24 hours under a specified list of treatments

AYUSH : Upto SI

Alternative treatment coverage such as ayurvedic, unani, sidha and homeopathy which leads to hospitalisation.

Congenital Coverage : Yes

Covers medical expenses related to diagnosis and treatment of heriditary and internal congenital ailments/ conditions/ traits that exist from birth.

Modern Treatments : Yes,upto sum insured

All advanced treatment with upgrade in technology.

Health Management/ Wellness : Yes

Benefits provided for staying fit and managing health

Maternity Benefit : up to Rs. 25,000 for normal delivery and Rs. 50,000 for C-section

All expenses related to childbirth or legal medical termination of pregnancy, usually upto a specified limit.