The Policy provides for Insurance cover against 13 Critical Illnesses. The Insurance benefit is payable, only if the Insured is alive for a period of more than or equal to 28 days from the date of the first diagnosis of the illness/medical event or undergoing illness related surgical procedure for the first time.

Only one Critical Illness claim can be allowed by us during the lifetime of the Insured. The Critical Illness policy terminates immediately on the payment of first Critical Illness benefit under the policy. The maximum benefit amount under Critical Illness cover to any individual is INR 5,000,000 including all policies that are issued by the Insurer.

The minimum age of entry for SBI General’s Critical Illness Insurance Policy is 18 years, while the maximum age is 65 years.

Age: Minimum entry age is 3 months and maximum entry age is 65 years. There is no exit age.

Insured: Individual/ Family {For Family Insurance Policy- Family means the spouse, dependent children, parents and parents in law. For Family Floater Insurance Policy- Family means the spouse and dependent children}

Policy Term: 1/2/3 years.

Sum Insured: Minimum SI: INR.10,00,000 to Maximum SI: INR 30,00,000 in multiples of INR 1,00,000/-. Sum Insured of dependents will either be less than or equal to Proposer/ Primary Insured’s Sum Insured.

Premium: As per the age, Sum Insured and number of insured in a policy.

• Waiting Period: 30 days from first inception of the health insurance policy.
• Time bound Exclusions: Pre-existing diseases covered after first 4 years of coverage, Specified diseases or conditions covered after one year of coverage. Maternity Expenses shall be payable after coverage of 9 months from the date of inception of the Policy.
• Treatment taken outside India.
• Injury/ disease directly or indirectly caused or contributed due to nuclear weapons/materials.
• War, invasion, acts of foreign enemy, hostilities, etc.
• Epidemic disease recognized by WHO or Indian Government.
• Intentional self injury or violation of any law.
• Cosmetic or aesthetic treatments of any description, lasik treatment for refractive error. Any form of plastic surgery (unless necessary for the treatment of illness or accidental bodily injury).
• Treatment for de-addiction from drug or alcohol or other substance.
• Any condition directly or indirectly caused by or associated with human immunodeficiency virus or variant/mutant viruses and or any syndrome or condition of a similar kind commonly referred to as AIDS.
• Vaccination or inoculation except as part of post-bite treatment for animal bite.
• Treatment for any mental illness or psychiatric or psychological ailment/ condition.
• Outpatient department treatment.
• Genetic disorders and stem cell implantation/ surgery/ storage.
• Treatments in health hydro, spas, nature care clinics and the like.
• Experimental and unproven treatment.
• Disease/ illness or injury whilst performing duties as a serving member of a military or police force.