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SBI Critical Illness Plans

Major surgeries or serious illnesses for which a patient may need emergency room treatment or intensive care are considered critical illnesses. Given that patients with serious illnesses often require long-term care, medical costs throughout treatment can be high. For the policyholder, having health insurance with critical illness coverage can be helpful in situations like these.

Critical illness is covered as an add-on by SBI Health Insurance and they also offer a particular plan. A distinct plan offered by SBI Health Insurance for critical illness is called Critical Illness Health Insurance. SBI Critical Illness Health Insurance is one of the best critical illness plans available in the country; it offers an amount insured ranging from Rs. 2 lakh to Rs. 50 lakh. After a ninety-day initial waiting period, they cover thirteen severe illnesses.[1]

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Benefits of SBI Critical Illness Cover

The special advantages offered by the SBI Critical Illness Health Insurance Plan are as follows:[1]

  • Reasonably Priced Insurance: SBI General Insurance’s critical illness plan provides coverage at affordable rates, so you don't have to worry about your finances.
  • Extra Coverage: This SBI Health Insurance plan provides you with extra protection against important illnesses such as cancer, heart attacks, and strokes, on top of your standard health insurance. It provides additional cash assistance when things are hard.
  • Two Plans: SBI General Insurance offers flexibility with two alternatives for plans, allowing you to select the one that best fits your requirements and financial situation. Providing you with options that suit your life is the main goal.
  • Benefits from the Income Tax Act: If you choose SBI General Insurance’s critical illness plan, you can be eligible for benefits from the Income Tax Act that will save you money at tax time.
  • Peace of Mind: It is comforting to know that you are covered for serious illnesses. Your rehabilitation and well-being can take priority above any potential financial strain.

SBI Critical Illness Coverage and Limits

Customers of SBI Critical Illness Cover and Plan can choose from a broad range of over 13 ailments.

The coverage and limits provided by SBI Health Insurance's Critical Illness Health Insurance Plan are displayed in the table below:[1]



Coverage for 13 critical illnesses

Pre-existing diseases and conditions related to these diseases

Coverage up to ₹ 10 lakh sum insured

Claims during the waiting period

Two tenure plan options- 1-year and 3-year

Death during the survival period

Free look period of 15 days

Complications from birth control and hormone replacement therapy

Congenital diseases

Treatments related to sex change surgery and cosmetic procedures

Suicide and attempted suicide

Treatments done by anyone else apart from a qualified medical practitioner

The types of critical illnesses covered:[2]

Eligibility Criteria for SBI Critical Illness Plan And Add-on

Adults who are at least eighteen years old and up to sixty-five years old may receive the plan. For further information, you can speak with an advisor from either InsuranceDekho or SBI General Insurance.[2]

Tax Save
Save Tax upto ₹75000*
Under Section 80D

*Tax benefits are subject to changes in Income Tax Act.

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Disclaimer : Actual Coverage might vary basis your location, age and number of members

How to Add Critical Illness Cover as an Add-On on the SBI Health Insurance

Online Process

From InsuranceDekho:[3]

Step 1: Open the InsuranceDekho official website.

Step 2: Fill in your details.

Step 3: Select the SBI Critical Illness plan.

Step 4: Finish payment for finalising the purchase.

Step 5: An advisor from InsuranecDekho will call you to confirm policy issuance.

From SBI Health Insurance:[1]

Step 1:Visit SBI Health Insurance's official website.

Step 2: Select "Our Products" from the top menu.

Step 3: Select the section for health insurance.

Step 4: The dropdown menu will display the plans offered by SBI General Insurance Insurance.

Step 5: To access the plan page, choose "Critical Illness Health Insurance."

Offline Process

From InsuranceDekho:-

Contact an expert at InsuranceDekho at 7551196989 to acquire a health insurance policy. Additionally, InsuranceDekho provides clients with in-house support so they can have all of their questions and concerns answered.

Documents Required

  • Voter ID Card
  • Pan Card
  • Aadhaar Card
  • Driving Licence
  • Passport
  • Birth certificate
  • 10th or 12th mark sheet

SBI Critical Illness Customer Care & Assistance

SBI Health Insurance customer care details are mentioned below:


SBI Health Insurance:[5]

  • Email:
  • Helpline Number: 1800 102 1111







Health Insurance News


  • What critical illnesses are covered under SBI Health critical illness insurance?

    Cancer, end-stage kidney failure, primary pulmonary arterial hypertension, multiple sclerosis, major organ transplant, coronary artery bypass grafts (with surgery to divide the breastbone), aorta graft surgery, heart valve surgery, stroke, myocardial infarction (first heart attack), coma, total blindness, and paralysis, are the critical illnesses covered under SBI Critical Illness plan.

  • Can I purchase SBI Health critical illness insurance as a standalone policy?

    Yes, you can purchase an SBI Critical Illness plan as a standalone policy.

  • Are there any age restrictions for enrolling in SBI Health critical illness insurance?

    The SBI Health Critical Illness plan has an age restriction of 18 to 65 years old.

  • Can I pay an extra premium to waive the waiting period for SBI Health critical illness claims?

    Yes, you can pay an extra premium to waive the waiting period for SBI Health Critical Illness claims. 

  • Can I add family members to my critical illness insurance policy with SBI Health Insurance?

    No, SBI Health Insurance offers a critical illness plan as an individual plan and not as a family floater plan.

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    SBI Health Insurance has shown me to be a trustworthy ally during my medical journey. It was easy to go through InsuranceDekho's extensive coverage options and select the best plan for me. I appreciate their commitment to customer satisfaction and the kind, helpful personnel that is always on hand to handle my issues. I know my health is being taken care of with SBI Health Insurance.

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    On: Jun 27, 2024
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    Through InsuranceDekho, I was able to obtain SBI health insurance, and thus far, everything has gone well. The claims procedure is simple, and the coverage is comprehensive, covering a wide range of necessary health treatments. When I need support, the customer service staff is always there to help. I feel confident in my coverage and am overall extremely delighted with my purchase.

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    By Nikita Agarwal
    On: Jun 06, 2024
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    Finding insurance was made simple by InsuranceDekho! After entering my information, I was presented with a list of possibilities. I got the finest deal when I purchased security for my family and myself because SBI health insurance covered us.

    By Ria Chauhan
    On: May 29, 2024

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