Features under Group health Insurance by SBI General

Health is the greatest wealth one could ask for. As we know, life doesn’t follow any fixed pattern. Sudden illness and injuries can stress you mentally and affect you financially. SBI health insurance offers group health insurance policy that helps you to protect your family. It ensures that you provide world-class healthcare to your family members. The cherry on the top is that it gives you the much needed financial security.

Key Feature of SBI General's Group Health Insurance Plan

SBI health insurance plan offers the benefits mentioned below.

1. Room Charges- For a normal room, 1 percent of the sum insured up to Rs.1500 per day and for ICU, Rs.2500 per day is provided for room, board and nursing charges.
   
2. Visiting Fee- It provides coverage for the specialists and medical practitioner fees.
   
3. Other Medical Expenses- Coverage is provided for operation for blood, anesthesia, oxygen, medicines and drugs, X-ray, surgical appliances, diagnostic materials, dialysis, radiotherapy, chemotherapy, pacemaker, prosthesis, operation theater charges and any other internal implants that are required for the surgery.
   
4. Pre-hospitalization Charges- The insurance provider will pay for the expenses that are incurred 30 days before the date of hospitalization.
   
5. Post-hospitalization Charges- The insurance provider will pay for the expenses that are incurred 60 days post the date of discharge.
   
6. Day Care Expenses- The insurance provider will pay for the day care expenses incurred on procedures and advanced technological surgeries that require less than 24 hours of hospitalization.
   
7. Domiciliary Hospitalization- The insurance provider will provide the coverage for domiciliary hospitalization.
   

Coverage provided by SBI General's Group Health Insurance Plan

Mention below is the coverage provided by SBI health insurance.

1. Ambulance charges
   
2. Maternity Cover with and without nine months waiting period.
   
3. In family floater cover, an infant is covered from the day he/she is born.
   
4. From the day one, pre-existing illness is covered.
   
5. Waiting period is waived off for first 30 days
   
6. Coverage is provided for Unani, Ayurvedic and Homeopathic medicine.
   

Sum Insured

Mentioned below is the minimum age and sum insured eligibility.

1. The minimum age of entry is three months old.
   
2. The minimum sum insured is Rs.50, 000.
   
3. The maximum sum insured is Rs. 750,000.
   

Exclusions

The following are the exclusions of SBI general's group health insurance plan.

1. Pre-existing illness
   
2. Any illness contracted during the first 30 days after the purchase of the policy.
   
3. Treatment arising due to pregnancy, childbirth, abortion, miscarriage, caesarean section or any complication.
   
4. Congenital diseases, treatment related to AIDS and diseases related to AIDS.
   
5. Diseases and complications rose due to use and abuse of intoxicating substance such as alcohol or drugs.
   

* Specific exclusions vary insurance plan per insurance plan.

Now you know everything about SBI general's group health insurance plan. Buying an accidental insurance plan secures the future of your family and it makes sure that once you are gone the life of your family goes on smoothly.