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Critical Illness Insurance Policy

Your greatest wealth is your health. Life follows no fixed plan and a sudden illness that is critical can sometimes leave you financially hurt and highly stressed. SBI General’s Critical Illness Insurance Policy helps you to be in control by protecting you financially.

SBI General’s Critical Illness Insurance Policy covers you against thirteen most important critical illnesses. The Policy provides for a fixed sum, irrespective of your actual medical expenses! It helps you bear the high cost of treatment associated with critical illness & stay financially stable.

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More details about Critical Illness Insurance Policy

  • Coverage against 13 most critical Illnesses
  • Maximum age of entry is 65 years
  • Two Plan Options, One year and 3 years
  • Sum Insured available up to Rs.50,00,000
  • Free Look Period of 15 days
  • The premium paid is exempt from Income Tax under Sec 80 D of Income Tax act

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.

Sr. No. Critical Illness   Survival Period     Min. Assessment Period      
1 Cancer 28 days 28 days
2 Kidney Failure (End Stage Renal Failure) 28 days 28 days
3 Primary Pulmonary Arterial Hypertension 28 days 28 days
4 Multiple Sclerosis 28 days 28 days
5 Major Organ Transplant 28 days 180 days
6 Coronary artery by-pass grafts (with surgery to divide the breastbone) 28 days 28 days
7 Aorta Graft Surgery 28 days 28 days
8 Heart Valve Surgery 28 days 28 days
9 Stroke 28 days 90 days
10 Myocardial Infarction (First Heart Attack) 28 days 28 days
11 Coma   28 days 30 days
12 Total Blindness 28 days 28 days
13 Paralysis 28 days 90 days

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.

Disclaimer: The above information is only indicative in nature. For full details of the coverage & exclusions please contact our nearest office and refer to the policy documents.