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SBI General Health Alpha

Introducing SBI General Health Alpha, the Health Plan you’ve been waiting for. Customisable for you, by you.

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What are the Key features of the Policy?

Certified & Trusted Advisor

Choose from a wide range of 50+ coverages

Upto 10x

Cumulative Bonus for each claim-free year

5-Year tenure

for protection against medical inflation

Endless Sum Insured

Once-in-a-lifetime claim without any sum insured limit

What is covered in the policy?

Start with a solid foundation of core health coverage by opting Hospitalization Cover and/or Personal Accident, and enhance it with a wide range of 35 Optional covers.

Hospitalization Cover

Essential Covers

Special Covers

Maternity & Child Care Cover

Accidental Death (AD)

Lump sum payment to the Nominee/Legal Heir/Assignee on Death of Insured within 12 months from the date of Accident.

Permanent Total Disablement (PTD)

Lump sum payment to Insured, if PTD occurs within 12 months from the date of Accident.

Permanent Partial Disablement (PPD)

Lump sum payment as specified, if PPD occurs within 12 months from the date of Accident.

Home Modification Benefit

Lump sum payment to Insured for expenses of improvements carried out in residence to adjust to the disablement.

Child Education Benefit

Lump sum payment to Nominee/Legal Heir/Assignee for education of dependent children, if Insured suffers AD and/or PTD.

Loan Protector Benefit

Payment of fixed limit or outstanding loan amount, whichever is lower, if Insured suffers AD or PTD.

OPD Cover

Covers Medical Expenses of OPD Treatment

Global Cover

Covers Medical Expenses of In-Patient or Day Care or OPD Treatment taken outside India as an emergency care or planned

Benefit Based Covers

Critical Illness

Lump sum payment upon diagnoses of below listed critical Illness. Covered illnesses:

Hospital Daily Cash

Payment of fixed amount per day if Hospitalization exceeds the no. of days as opted. For ICU hospitalization, the limit will double.

Preventive Care

Health Check-up

Covers expenses of preventive Health Check Up tests.

E-Opinion

Covers E-Opinion availed by Insured on medical condition from our empanelled network.

Modifiers

Reduction in Room Rent Limits

Insured can opt the room type category of 'Single Pvt. AC Room' or 'Twin Sharing' for premium reduction.

Reduction in Specific Disease Waiting Period

Covers E-Opinion availed by Insured on medical condition from our empanelled network.

Change in PED Waiting Period

From 24 months to 12 months or 36 months.

Change in Maternity Expenses Waiting Period

From 24 months to 12 months or 36 months.

Reduction in Global Cover Waiting Period

From 24 to 12 months.

Voluntary Covers for Discounts

Policyholders can enhance their premium savings by opting for either one of the following:

Voluntary Deductible

Annual Aggregate Deductible – A fixed deductible amount is borne by the insured once in a policy year, across all admissible claims.

Per Claim Deductible – The insured bears the deductible amount separately on each admissible claim during the year.

Voluntary Co-Payment

The insured contributes a pre-defined percentage (as mentioned in the Policy Schedule) towards every claim. This is over and above any existing co-payment.

No Claim Bonus (with Hospitalization Cover only)

Cumulative Bonus@

On claim-free renewal, 50% up to 1000% (in multiples of 100 as opted) of Base Sum Insured.

Discount in Premium

On claim-free renewal, 2.5% discount on Hospitalization Base Sum Insured.