|Medical check up||No medical check - ups up to Rs.1 Crore and/or 55 years of age|
|Coverage||Coverage for 13 critical illnesses, accidental death or permanent disablement and loss of job|
|Policy Term||The Loan Insurance Policy of SBI General is available for up to three years.|
SBI General has an extensive network of 6000+ network hospitals across India growing steadily over the years. One must get admitted to a network hospital in order to avail cashless treatment for their illness. One can get the hospital closest to them by going through the SBI General network hospital list available on SBI General Health Insurance
Most of the Health Insurance Policies offered by the General Insurance companies in India have waiting periods during which certain pre existing diseases are excluded in the coverage. They are excluded for certain predefined period (number of years) before they are covered i.e. The Policy holder is expected to have continuous cover for the predefined period before the pre existing diseases are covered under the policy. Portability will ensure that these accrued benefits are transferred (without any dilution) to the new insurer at the time of renewal and porting and the consumer do not lose on these accrued benefits while opting to switch the insurer using Health Insurance Portability. The Policy holder can port the following accrued credits: General waiting period Waiting periods pertaining to the coverage of pre-existing diseases/conditions Any time bound exclusions.
The duration only after which a claim can be made is called the waiting period.
Sum Insured is the maximum amount that an insurance company will pay to the insured, according to the insurance contract, in the event of a claim.
Factors for medical insurance in India, How much is the premium and the coverage offered by India health insurance plans..Click here to read more