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Insurance Plans India 8867 views December 31, 2019
State Bank of India is the largest banking giant in India. SBI General Insurance Company is a general insurance providing arm. The company was established in the year 2010 by way of the joint venture between State Bank of India and Insurance Australia Group. Since its inception the company aims to offer the best in class general insurance product at an affordable premium cost. General insurance plans are designed to cater to individual and business customers.
State Bank of India General Insurance Company offers a comprehensive suite of products ranging from Health Insurance, Motor Insurance, Personal Accident, Travel Insurance and Home Insurance. All the insurance products offer amazing features and benefits however Health Insurance is one of the most popular and preferred product lines.
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The health insurance plan designed to offer 360-degree of protection and coverage of medical expenses. The plan offers the following amazing features and benefits:
The SBI’s Arogya Premier Policy covers the following, subject to the terms and conditions mentioned in the policy:
Plan Details of SBI General Arogya Premier Policy:
Policy Term | 1 year, 2 Years, and 3 years |
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Entry Age | Minimum 3 months |
Maximum 65 years | |
Plan Basis | Individual and Family |
Sum Assured | Minimum: Rs. 10,00,000 |
Maximum: Rs. 30,00,000 | |
Medical examination | For individuals above 55 years |
No Claim Bonus | 10% |
This is a comprehensive health insurance plan that offers multiple coverage options to avoid spending much on hospital bills. The following are the key features offered by the plan:
The plan offers coverage for the following expenses:
Plan Details of SBI General Arogya Plus Plan:
Policy Term | 1 year, 2years, and 3 years |
---|---|
Entry Age | Minimum 3 months Maximum 65 years |
Plan Basis | Individual and Family |
Sum Assured | Minimum: Rs. 1 lakh Maximum: Rs. 3 lakhs |
Premium | Rs. 8,900 For 1 lakh SA Rs. 13,350 For 2 lakh SA Rs. 17,800 For 3 lakh SA |
The plan is designed to offer additional financial backup in times of medical emergency. This additional top-up is over and above the basic health insurance plan of the policyholder.
The following are the key features, inclusions and plan details of the policy
Inclusions of the Arogya Top-up plan are:
Plan Details of SBI General Arogya Top-Up Policy
Policy Term | 1 year,2 year, and 3 years |
---|---|
Entry Age | Minimum 3 months Maximum 65 years |
Plan Basis | Individual, Family and family floater |
Sum Assured | Minimum: Rs. 1 lakh, maximum: Rs. 50 lakhs |
Premium Discounts | For Family Floater Discount: 2 members 10% 3 members 15% 4 or more members 20% For Family discount 2 members 5% More than 2 members 7.5% Long term Discount for 2 years policy 5% discount for 3 years policy 7.5% discount |
The Retail Health Insurance Policy takes care of all your expenses in times of medical emergencies. The following are the key features offered by the plan:
Major Inclusions under the plan are as under:
Plan details of SBI General Retail Health Insurance Plan
Entry Age | Minimum 3 months Maximum 65 years |
---|---|
Plan Basis | Individual and family |
Sum Assured | Minimum: 50,000.00 Maximum: 5,00,000.00 |
Medical Screening | For the customers above 45 years |
Co-Payment | 10% |
Waiting Period | 1 year |
This plan is designed to cover the 13 life-threatening diseases. This plan offers to provide with a fixed sum of money if the policyholder is diagnosed with a serious illness. The following are key features offered by the plan
Plan Details of SBI General Critical Illness Plan:
Policy Term | 1 Year and 3 Years |
---|---|
Entry Age | Minimum 18 Years, Maximum 65 Years |
Plan Basis | Individual |
Sum Assured | Minimum Rs 2 lakhs, Maximum Rs 50 Lakhs |
The plan is designed to offer daily hospital cash to the policyholder in the event of hospitalization. The following are the key features of the plan:
The plan offers coverage for:
Plan Options of SBI General Hospital Daily Cash Plan
The Hospital Daily Cash Insurance Policy offers two coverage options:
Policy term options available under the plan are:
The details of the Entry Age are as under:
So, once you go through all the mediclaim policies of SBI General Insurance, you can compare and then choose the one which best suits your needs.