In the event of Accidental Bodily Injury or Sickness first occurring or manifesting itself during the Policy Period and causing the Insured’s Hospitalisation, a hospitalization benefit will be payable as per the conditions below and subject to the Deductible as defined:

• Hospital Daily Cash benefit for each continuous and completed period of 24 hours of hospitalization;
• Twice the Hospital Daily Cash benefit for each continuous and completed period of 24 hours of Hospitalisation necessitated solely by reason of the said Accidental Bodily Injury. This is applicable for a maximum of 5 days per Hospitalisation subject to maximum of 10 days per Policy Period;
• Twice the Hospital Daily Cash benefit for each continuous and completed period of 24 hours of Hospitalisation within the Intensive Care Unit. This is applicable for a maximum of 7 days per Hospitalisation subject to maximum of 15 days per Policy Period;
• Thrice Hospital Daily Cash benefit or Rs 5,000 whichever is less is payable upon completion of 10 consecutive days of hospitalization in a single admission for convalescence. This benefit is payable only once in a Policy Period.
• The maximum benefit payable will be 30/60 days as stated in Insured’s schedule within any Policy Period.
• An excess equivalent to the first 24 hours Hospitalization benefit will be levied on each and every Hospitalisation during the Policy Period.

SBI General’s Hospital Daily Cash Insurance Policy provides you with the flexibility in terms of coverage days & the Benefit payable per day.

We have 2 coverage options:

• 30 days coverage
• 60 days coverage.

We have 4 options for daily benefit amount. The details as in the following table:

What is the minimum and maximum age at which one can enter and buy this policy?
The Minimum age of entry for SBI General’s Health Insurance Policy is 18 years. However Children from the age of 3 months can be covered subject to both parents concurrently covered with SBI General.

The Maximum age of entry for the policy is 65 years

What is maximum coverage possible under this Policy?
The Maximum benefit amount payable is Rs. 2,000. However, the Maximum Benefit would be restricted to Rs. 500/- per day with maximum coverage of 30 days for insured persons aged 60 and above and taking a policy with us for the first time.

Do I need to undergo Pre-Acceptance Health Check Up compulsorily?
Pre-acceptance Health check is not mandatory for people who are less than 60 years old and without any history of illness. Insured’s with following condition, acceptance of proposal is subject to a satisfactory medical examination as per our company’s requirements:

• Insured with adverse medical history as declared in Proposal Form or,
• Insured aged above 60 years & irrespective of SI.
• Pre-acceptance medical tests at the cost of the proposer. However, if the proposal is accepted the Insurer will reimburse 50% of the cost incurred towards the medical tests so undertaken at the advice of the insurer.

The Company will not be liable under the Policy in respect of payment towards treatment taken due to:

• Any condition, ailment or injury or related condition(s) for which you have been diagnosed, received medical treatment, had signs and / or symptoms, prior to inception of your policy Any disease contracted during the first 30 days of commencement of the policy.
• Certain diseases/surgeries like Hernia, Hydrocele etc shall be covered after a waiting period of 1 year.
• Certain diseases like cataract, Hysterectomy shall be covered after a waiting period of 2 years.
• Joint replacement surgery shall be covered after a waiting period of 3 years except done due to an accident.
• Treatment arising from or traceable to pregnancy (whether uterine or extra uterine) and childbirth including caesarean section, and/or any treatment related to prenatal and postnatal care.
• Treatment for any mental disease / illness, psychiatric or psychological disorders.
• All expenses related to AIDS and related diseases.
• Use or abuse of any substance, drug or alcohol and treatment for de-addiction.
• ’Day care Treatments’ as defined under the policy are excluded from the scope of the Policy