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SBI Corona Rakshak Health Insurance

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SBI Health Insurance
Corona Rakshak Policy
Claim SettlementDedicated Team
Claim Settlement Ratio66.08%
COVID-19 CoverYes
Network Hospitals6,000+
Policies Sold7,56,443
RenewabilityLifelong

About SBI Corona Rakshak Health Insurance

Corona Rakshak Policy offered by SBI General Insurance is a benefit-based health insurance policy that offers you lump sum benefit equal to 100% of the sum insured, payable on a positive diagnosis of COVID-19, if it requires hospitalisation of at least 72 continuous hours. The positive diagnosis should be done at a government authorized diagnostic center. It is a short-term policy that can be purchased for 3.5 months, 6.5 months, and 9.5 months. You can purchase this policy for sum insured options ranging between Rs. 50,000 and Rs. 2.5 Lakh (in multiples of Rs. 50,000).

You can buy Corona Rakshak Policy offered by SBI General Insurance on a family or individual basis if you are aged between 18 years and 65 years. The policy comes with a waiting period of 15 days, after which you can make a claim and avail of the coverage benefits. As it is a benefit-based health insurance policy, it will terminate upon payment of the benefit. The policy does not come with a lifetime renewability benefit and hence you need to buy a new policy after availing of policy benefits.

Also read: COVID 19 Insurance

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Key Inclusions and Exclusions of the Plan

What's Included

  • Available for people between 91 days and 65 years of age
  • Policy tenures of 3.5 months, 6.5 months, and 9.5 months
  • Lump sum benefit of up to 50% on positive diagnosis of COVID-19
  • Payment made on hospitalisation of at least 72 hours
  • Waiting period of 15 days from the date of start of policy
  • Coverage for sum insured options between Rs. 50,000 and Rs. 2.5 Lakh

What's Not Included

  • Hospitalisation for the purpose of investigation or evaluation
  • Any diagnosis that is not related to COVID-19 is not covered.
  • Testing done at a center that is not authorized by government of India
  • Any claim manifested before commencement of the policy
  • Any claims arising during the waiting period is not covered under the plan.
  • If the insured travels to any country put under travel restrictions by the government of India

17100 SBI Cashless Network Hospitals in India

Claim Process at SBI Health Insurance

  • Network Hospital
  • Non-Network Hospital
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation as soon as it occurs and for planned hospitalisation intimate as soon as it occurs prior to admission.
  • 3

    Claim Processing

    Fill in the pre-authorisation form and hand it over to hospital's insurance/TPA desk to initiate claim request.
  • 4

    Claim Settlement

    Once your request is approved, claim is settled. If not approved, claim for reimbursement after discharge.
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation as soon as it occurs and for planned hospitalisation intimate as soon as it occurs prior to admission.
  • 3

    Claim Processing

    Submit claim form with original documents such as doctor’s reports, hospital bills, diagnostic tests, etc.
  • 4

    Claim Settlement

    Once your request for reimbursement of expenses is approved, the claim will be settled.

FAQs on Corona Rakshak Policy Health Insurance Plan

  • What am I covered for under Corona Rakshak Policy offered by SBI General Insurance?

    Corona Rakshak Policy offered by SBI General Insurance pays you a lump sum amount equal to 100% of the sum insured. The amount is payable on positive diagnosis of COVID-19, if it requires hospitalisation for a minimum continuous period of 72 hours. Note that the positive diagnosis shall be from a government authorized diagnostic center. 

  • What are the sum insured options under Corona Rakshak Policy offered by SBI General Insurance?

    Corona Rakshak Policy offered by SBI General Insurance can be purchased for sum insured options of Rs. 50,000; Rs. 1 Lakh; Rs. 1.5 Lakh; Rs. 2 Lakh; and 2.5 Lakh. 

  • Who can buy the Corona Rakshak Policy offered by SBI General Insurance?

    Corona Rakshak Policy offered by SBI General Insurance can be purchased by individuals aged between 18 years and 65 years on an individual and family basis. 

  • What are the policy terms for Corona Rakshak Policy offered by SBI General Insurance?

    Corona Rakshak Policy offered by SBI General Insurance is a short term policy that can be purchased for 3.5 months, 6.5 months, and 9.5 months, as per your budget and requirements. 

  • What is the waiting period for Corona Rakshak Policy offered by SBI General Insurance?

    Corona Rakshak Policy offered by SBI General Insurance comes with a waiting period of 15 days, calculated from the date of commencement of the policy. Only after completing the waiting period, you will be able to avail coverage benefits under the policy. 

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