SBI Retail Health Insurance Wordings

Yes, there is an add-on option. The add-on covers available under the SBI General’s Health Insurance Policy–Retail includes removal of sub-limits on Room & ICU Rent, Operation and Consultancy Charges. 

No, there is no procedure to refund your money even if you don’t make any claim during the policy period. However, you will be able to earn a “Cumulative Bonus” of 5%, which can be accumulated up to 25%.

If the policyholder or an insured member meets an accident due to which he or she is hospitalized, then the remaining sum insured becomes 125%, subject to a maximum of Rs. 1,00,000.

The SBI General’s Health Insurance Policy–Retail offers parental care, which is available for persons above 60 years of age. Under this facility, the attendant nursing charges after discharge from the hospital is Rs. 500 or actual, whichever is less per day up to a max. This is available for 10 days per hospitalisation. The insurer reimburses the charges if the time does not exceed 15 days during the entire policy period.

Yes, SBI General reimburses the amount incurred in Ayurveda treatment up to a maximum of 15% of the sum insured per policy period up to a maximum of Rs. 20,000. In addition under the Homeopathy and Unani treatment, up to a maximum of 10% of sum insured per policy period up to a maximum of Rs. 15,000 is reimbursed.