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Updated on Aug 07, 2023 4 min read

SBI Critical Illness Policy

SBI Critical Illness Insurance Policy offers you financial protection from 13 important critical illnesses, this policy offers a fixed sum, irrespective of your actual medical expenses. Enables you to stay financially secure and focus on the most important thing health. The policyholder can avail Sum Insured up to 10 Lakh.

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SBI Critical Illness Policy Specifications

To understand SBI Critical Illness Policy Insurance in detail, take a look at the below table:

Entry Age

5 years to No maximum age limit

Policy Type

Critical Illness Health Insurance

Sum Insured

3 L | 5 L | 7 L | 10 L

Initial Waiting Period*

90 Days

Renewability

Policy Term

1/2/3 years

*Initial Waiting Period is the time period between the issuance of the policy and the time it starts actively. During this period, a policyholder has to wait to avail of the benefits offered under a health insurance plan.

Read more specifications in the brochure.

SBI Health Insurance Network Hospital List

SBI Health Insurance Network Hospitals are present in 31 states nationwide. With a wide network of hospitals, SBI Health Insurance ensures that you are medically secured, irrespective of the city you reside in.

Delhi

Mumbai

Bengaluru

Chennai

Kolkata

Hyderabad

Pune

Ahmedabad

Jaipur

Lucknow

Know More About Network Hospital

Sample Premium Illustration of SBI Critical Illness Plan

To understand how much premium an amount one needs to pay, let us go through the below example wherein we have illustrated the sample premiums for different family sizes.

1 Adult

Sum Insured (in Rs.)	3 Lakhs	5 Lakhs	7 Lakhs	10 Lakhs
Premium Payable	357	595	833	1190

SBI Critical Illness Plan Exclusions

Permanent Exclusions

Permanent diseases or health conditions that are not included under the Critical Illness plan are:

Hospitalization out of war, riot, strike, and nuclear weapons

Intentional self-injury

AIDS

Miscarriage, and Abortion

Congenital disease

Infertility and in vitro fertilization

Explore other SBI Health Insurance

To cater to the different medical needs of an individual & their family, SBI Health Insurance offers several Health Plans ranging from senior citizen plans to specialized plans for autistic children, to health insurance for cardiac patients, and many more.Take a look below to SBI Health Insurance plans explore more:

Individual and Family Health Insurance

SBI Super Health Insurance Policy

SBI Super Health Plan is SBI Health Insurance's new comprehensive health insurance plan. The plan is an umbrella health plan that provides all-inclusi...

Unique Features

Unlimited Re-insure Benefit
Wellness Benefits
Annual Health Check-ups

SBI Super Health Insurance Policy (Pros)

Tax benefit
Reinsure benefit
Health multiplier
Optional covers

SBI Super Health Insurance Policy (Cons)

Cosmetic treatment
Injury due to illegal activities
Unlawful activities
Adventure sports injuries

SBI Super Health Insurance Policy (Other Benefits)

OPD expenses
International treatment
SI up to 2 Crores
Flexible premium payments

SBI Super Health Insurance Policy (Eligibility Criteria)

Min entry age: 18 Years
Max entry age: 65 Years
Initial Waiting Period: 30 Days
Sum Insured: Up to 2 Cr

Individual and Family Health Insurance

SBI Health Edge Policy

SBI Health Edge is a newly introduced health insurance plan from SBI Health Insurance which is customizable and is available to insurance holders base...

Unique Features

Avail Global Treatment
Multiple Discounts
18 Optional Covers

SBI Health Edge Policy (Pros)

In-patient hospitalization
Pre and Post-hospitalization
Daycare treatments
Emergency ambulance cover

SBI Health Edge Policy (Cons)

Organ donor
Compassionate visit
Domiciliary hospitalization

SBI Health Edge Policy (Other Benefits)

Bariatric Surgery Cover
Modern Treatments
AYUSH Treatments
Health Check-ups

SBI Health Edge Policy (Eligibility Criteria)

Entry Age: 18 to 65 Years
SI: 3 to 25 Lakhs
Initial waiting period: 30 days

Group Health Insurance

SBI Group Health Insurance

SBI Group Health Insurance is a comprehensive plan, as it provides wider coverage to its customers as well as their family members. Group health insur...

Unique Features

High Sum Insured
Easy Policy Renewal
10% copayment

SBI Group Health Insurance (Pros)

In-patient hospitalization
Daycare treatments
Co-payment clause

SBI Group Health Insurance (Cons)

Room rent unavailable
OPD not covered
Organ donor expenses
Modern treatment unavailable

SBI Group Health Insurance (Other Benefits)

Ambulance expenses
Pre & post-hospitalisation
Policy renewal benefits

SBI Group Health Insurance (Eligibility Criteria)

Entry age: 18 to 65 years
Sum insured: 1 to 5 Lakhs
Initial waiting period: 30 days

Individual and Family Health Insurance

SBI Arogya Supreme Policy

SBI Arogya Supreme health plan is a diverse health insurance plan that provides a solution for all your healthcare needs. It covers 20 basic covers an...

Unique Features

Complete protection
Choose SI
Choose policy tenure

SBI Arogya Supreme Policy (Pros)

Domestic Air Ambulance Cover
Compassionate Benefit
Recovery Benefit

SBI Arogya Supreme Policy (Cons)

Automatic restoration
Maternity cover unavailable
Newborn baby cover
2nd medical opinion not covered

SBI Arogya Supreme Policy (Other Benefits)

E-Opinion Cover
Preventive Health Check-up
Renewal Benefit

SBI Arogya Supreme Policy (Eligibility Criteria)

Entry age: 18 to 65 years
Sum Insured 3 L | 5 L | 7.5 L | 10 L | 15 L | 30 L | 40 L | 50 L | 1 Cr
Policy Term 1/2/3 Years
Initial Waiting Period 30 Days

Individual

SBI Loan Insurance Policy

SBI Loan Insurance policy offers comprehensive coverage to the policyholder and helps them to repay their loan in case of medical emergencies arising ...

Unique Features

Loan repayment benefits
Plan details
Inclusions and exclusions

SBI Loan Insurance Policy (Pros)

Pays out max 3 EMIs
Pays outstanding loan
PTD benefits

SBI Loan Insurance Policy (Cons)

Drug abuse or alcoholism
HIV/AIDS
Self-inflicted injury

SBI Loan Insurance Policy (Other Benefits)

Accidental cover
Critical illnesses cover
Loss of job cover

SBI Loan Insurance Policy (Eligibility Criteria)

Entry Age: 18 to 65 years
SI: 1 Crore
Initial waiting period: 90 days

Critical Illness Health Insurance

SBI Critical Illness Policy

SBI Critical Illness Insurance Policy offers you financial protection from 13 important critical illnesses, this policy offers a fixed sum, irrespect...

Unique Features

Coverage for Cancer
Eligibility Criteria
Inclusions and Exclusions

SBI Critical Illness Policy (Pros)

13 critical illnesses
COVID- 19 covered
Air ambulance services

SBI Critical Illness Policy (Cons)

Maternity cover
OPD and daycare unavailable
Global cover unavailable

SBI Critical Illness Policy (Other Benefits)

Emergency medical cover
No Maximum age limit
SI up to 10 L

SBI Critical Illness Policy (Eligibility Criteria)

Entry age: 5 years to No limit
SI: 3 to 10 Lakhs
Initial waiting period: 90 days

Individual and Family Health Insurance

SBI Arogya Sanjeevani Policy

SBI Arogya Sanjeevani Policy is a standard health insurance policy that comes with an affordable premium and offers a bucket full of benefits to its p...

Unique Features

Affordable Health Plan
Eligibility Criteria
Inclusions and Exclusions

SBI Arogya Sanjeevani Policy (Pros)

In-patient hospitalization
Pre and post-hospitalization care
ICU expenses
Daycare treatment
Up to 12 advanced treatments

SBI Arogya Sanjeevani Policy (Cons)

Modern treatment unavailable
OPD not covered
Domiciliary hospitalization unavailable

SBI Arogya Sanjeevani Policy (Other Benefits)

Deep Brain Stimulation
Balloon Sinuplasty
Oral Chemotherapy
Intra Vitreal Injections

SBI Arogya Sanjeevani Policy (Eligibility Criteria)

Entry Age: 18 to 65 Years
SI: 50K to 1 Lakhs
Initial waiting period: 30 days

Individual and Family Health Insurance

SBI Arogya Top-Up Policy

SBI Arogya Top-up Policy is a health insurance top-up policy that is designed to provide additional coverage to policyholders when their standard heal...

Unique Features

Enhanced coverage
Eligibility criteria
Key features

SBI Arogya Top-Up Policy (Pros)

In-patient hospitalisation
Pre & post hospitalisation
Ambulance cover

SBI Arogya Top-Up Policy (Cons)

Global coverage
Air ambulance
Compassionate visit
OPD cover unavailable

SBI Arogya Top-Up Policy (Other Benefits)

Organ donor expenses
Domiciliary treatment
Modern treatment

SBI Arogya Top-Up Policy (Eligibility Criteria)

Entry age: 3 months to 65 years
SI: 1 to 50 Lakhs
Policy term: 1/2/3 years
Initial waiting period: 30 days

Individual and Family Health Insurance

Arogya Plus Policy

SBI Arogya Plus policy is a fixed premium plan that offers financial protection to you and your family during a medical emergency. The plan provides c...

Unique Features

What is Arogya Plus?
Know the Eligibility Criteria
Premiums Sample Illustration

Arogya Plus Policy (Pros)

OPD cover
In-patient hospitalization
Pre & post hospitalization

Arogya Plus Policy (Cons)

Newborn baby cover
Vaccination
Compassionate travel
Organ donor cover unavailable

Arogya Plus Policy (Other Benefits)

AYUSH treatment
Domiciliary hospitalization
HIV/AIDS cover
Mental illness cover

Arogya Plus Policy (Eligibility Criteria)

Entry Age: 3 Months to 65 Years
Sum Insured: 1/2/3 L
Policy term: 1/2/3 years
Initial waiting period: 30 days

Individual and Family Health Insurance

Arogya Premier Policy

SBI Arogya Premier Policy is a comprehensive health insurance plan that is designed to protect you and your family from uncertain medical expenses. Th...

Unique Features

Plan Specifications
Eligibility
Inclusions and Exclusions

Arogya Premier Policy (Pros)

In-patient hospitalization expenses
Pre and post-hospitalization
AYUSH treatments
Maternity expenses

Arogya Premier Policy (Cons)

Daily hospital cash cover
Newborn baby cover
Global coverage
Compassionate visit unavailable

Arogya Premier Policy (Other Benefits)

Mental illness cover
HIV/AIDS cover
Internal congenital diseases
Genetic disorders

Arogya Premier Policy (Eligibility Criteria)

Entry Age: 3 Months to 65 Year
Sum Insured: 10 to 30 Lakhs
Initial Waiting Period: 30 days

Individual

SBI Hospital Daily Cash Insurance Plan

Manage Additional Expenses With Hospital Daily Cash Insurance of SBI!  SBI Hospital Daily Cash insurance policy takes care of the extra expenses ...

Unique Features

Daily cash benefit
Convalescence expenses
No medical check-up required

SBI Hospital Daily Cash Insurance Plan (Pros)

Daily cash benefit
Convalescence benefit
Multiple plan options

SBI Hospital Daily Cash Insurance Plan (Cons)

Illegal activities
Alcoholism
Obesity

SBI Hospital Daily Cash Insurance Plan (Other Benefits)

Hospitalization benefits
ICU hospitalization
Affordable premiums

SBI Hospital Daily Cash Insurance Plan (Eligibility Criteria)

Min entry age: 18 Years
Max entry age: 65 Years
Initial Waiting Period: 30 Days
Sum Insured: Up to 2 K

Individual

SBI Divyanga Suraksha Policy

Would you believe if we say that the SBI Divyanga Suraksha health insurance plan provides healthcare for people with disability or any pre-existing HI...

Unique Features

Covers in-patient treatment
HIV/AIDS cover
Power against disability

SBI Divyanga Suraksha Policy (Pros)

Pre and post-hospitalization
Medical treatment
Daycare procedures
Cataract cover

SBI Divyanga Suraksha Policy (Cons)

Domiciliary hospitalization
Vaccination
Health check-ups
Global coverage

SBI Divyanga Suraksha Policy (Other Benefits)

Modern treatment cover
In-patient treatment
AYUSH care
PEDs cover

SBI Divyanga Suraksha Policy (Eligibility Criteria)

Entry age: 18 o 65 years
SI: 4 & 5 Lakhs
Initial Waiting Period: 30 days

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SBI Critical Illness Insurance Policy: FAQs

1. What are the critical illnesses covered under the SBI Critical Illness Policy?

You are covered against 13 critical illnesses under SBI critical Illness Policy namely: Cancer of Specified Severity Open Chest CABG Aorta Graft Surgery Open Heart Replacement or Repair of Heart Valves Stroke Resulting in Permanent Symptoms First Heart Attack of Specified Severity Kidney Failure Requiring Regular Dialysis Primary Pulmonary Arterial Hypertension Major Organ/ Bone Marrow Transplant Multiple Sclerosis with Persisting Symptoms Coma of Specified Severity Total Blindness Permanent Paralysis of Limbs

2. What are the minimum and maximum amounts of coverage available for this plan?

Under SBI Critical Illness Policy you will receive a minimum cover of Rs. 3,00,000 and a maximum cover of Rs. 10,00,000

3. Do I need to undergo a medical check-up before purchasing the policy?

Yes, Health Check-up is applicable for all Insureds older than 45 years as well as in case of any pre-existing disease as declared on the proposal form irrespective of age and Sum Insured.

4. What Are The Tenure Plan Options Available Under This Policy?

1 year / 3 years as chosen by the Proposer. A policy with a 3-year term can be renewed or offered till the age of 57 years only. Beyond 57 years of age, all renewals for existing 1-year/3-year policies will be allowed for a 1-year term only.

5. What Is Not Covered In The Policy?

Any Pre- Existing Diseases or related condition(s).

6. What Is The Minimum And Maximum Entry Age To Buy This Policy?

The minimum entry age is 18 years and the maximum entry age is 65 years.

7. What is the claim procedure for SBI Critical Illness Policy?

To make a claim you can use the following information: Call on toll-free numbers: - 1800 22 1111/1800 102 SMS: - 1111 "CLAIM" to 561612 Email: - customer.care@sbigeneral.in

8. Are there any exclusions in the SBI Critical Illness Policy?

Yes, there are some permanent exclusions in the plan such as: Hospitalization out of war, riot, strike, and nuclear weapons Intentional self-injury AIDS Miscarriage, and abortion Congenital disease Infertility, and in vitro fertilization

9. Will the SBI Critical Illness policy pay me for a critical illness?

Critical Illness policy covers an insured individual against the listed critical illnesses given in the policy wordings/ document.

SBI Critical Illness Policy

SBI Health Insurance Detailed Review

Why Do We Exist?

Compare

Compare

SBI Critical Illness Policy Specifications

Entry Age

Policy Type

Sum Insured

Initial Waiting Period*

Renewability

Policy Term

SBI Health Insurance Network Hospital List

Delhi

Mumbai

Bengaluru

Chennai

Kolkata

Hyderabad

Pune

Ahmedabad

Jaipur

Lucknow

Sample Premium Illustration of SBI Critical Illness Plan

1 Adult

SBI Critical Illness Plan Exclusions

Permanent Exclusions

Explore other SBI Health Insurance

Health Insurance Premium Calculator

SBI Critical Illness Insurance Policy: FAQs

1. What are the critical illnesses covered under the SBI Critical Illness Policy?

2. What are the minimum and maximum amounts of coverage available for this plan?

3. Do I need to undergo a medical check-up before purchasing the policy?

4. What Are The Tenure Plan Options Available Under This Policy?

5. What Is Not Covered In The Policy?

6. What Is The Minimum And Maximum Entry Age To Buy This Policy?

7. What is the claim procedure for SBI Critical Illness Policy?

8. Are there any exclusions in the SBI Critical Illness Policy?

9. Will the SBI Critical Illness policy pay me for a critical illness?

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