Would you believe if we say that the SBI Divyanga Suraksha health insurance plan provides healthcare for people with disability or any pre-existing HIV disease health insurance?
Yes, you heard that right!
The SBI Divyanga Suraksha health plan is specially designed for people with certified disability/disabilities according to the Rights of Persons with Disabilities Act of 2016, India. Additionally, a person with HIV or AIDS certified by the Human Immunodeficiency Virus and Acquired Immune Deficiency Syndrome (Prevention and Control) Act of 2017, India can also buy this plan.
The basic available options of the sum insured of SBI Divyanga Suraksha health policy is INR 4 & 5 Lakhs for which the insured can receive the following healthcare services
Pre and post-hospitalization
Medical treatment
Daycare procedures
Cataract cover
Modern treatment cover
In-patient treatment
AYUSH care
PEDs cover
Ambulance services, and so on
The policyholders can claim for room rent charges, including nursing, doctor’s prescription, ICU cover, etc against their Divyanga Suraksha policy with a range of 1% for room rent, and 2% for ICU charges out of the total sum insured opted. Apart from this, there is an availability of co-payment options upto 20%, however, it can be waived off with an optional cover. The best part of this plan is that it covers modern treatment and advanced surgical procedures upto 50% of the sum insured, which means you get an extra layer of protection with basic healthcare cover.
Furthermore, we’ve curated this guide which will give you all the information related to the SBI Divyanga Suraksha plan. Read on and make an informed decision before investing in it.
Eligibility Criteria for Buying SBI Divyanga Suraksha Plan
Entry Age
Child: Newborn/day 1 - 17 years
Adult Entry Age
Adult: 18 - 65 years
Sum Insured
INR 4 & 5 Lakhs
Plan Type
Individual
Policy Term
1 Year
Initial Waiting Period
30 days
*The initial waiting period is the 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.
Waiting periods for different conditions covered under the SBI Divyanga Suraksha Plan
Accidental waiting period - Covered from day 1
Pre-existing diseases - 48 months (other than the specified pre-existing: Disability and HIV/AIDS)
Specific illness/disease - 24 months
HIV/AIDS cover - Covered after 30 days (for indemnity cover)
Pre-existing disability - 24 months
To know more about the plan read the policy prospectus provided below:
Benefits of SBI Divyanga Suraksha Insurance Policy
SBI Divyanga Suraksha is not just health insurance, it’s a boon for those who are incapable of bearing their treatment expenses related to disability, HIV disease, mental illness, etc. Here are some of the benefits attached to this plan and how it can help you get empowered.
In-patient hospitalization cover
All the hospitalization expenses will be covered if the policyholder is admitted for consecutive 24 hours in a day (as per the specified limit). However, the 24 hours of hospitalizaton bracket is not applicable for daycare treatments covered under the policy.
AYUSH cover
In-patient hospitalization cover for Ayurveda, Unani, Siddha and Homeopathy are covered upto 50% of the sum insured.
Pre and post-hospitalization care
The company is responsible for paying the expenses for pre-hospitalization from 30 days before hospital admission and 60 days after discharge from the hospital.
Pre-existing disease cover
The insurer will cover PEDs only if you’ve disclosed and proposed the conditions with valid proof and they’ve approved the PED coverage within the policy.
Tax benefits
You can avail of an income tax benefit against all the paid premiums for your SBI Divyanga Suraksha plan under Section 80D.
Specifications of SBI Divyanga Suraksha Plan
In-patient & Out-patient coverage
Room Rent
Covered
ICU Charges
Covered
Pre-Hospitalization
Covered
Post-Hospitalization
Covered
Domiciliary Hospitalization
Not covered
Daycare Treatment
Covered
OPD Charges
Covered
Coverage Terms
COVID-19 Treatment
Covered
Cataract
Covered
No Claim Bonus
Not covered
Automatic Restoration
Not covered
Daily Hospital Cash
Not covered
Organ Donor
Not covered
Maternity Cover
Not covered
New Born Baby Cover
Not covered
Alternative Treatments
AYUSH Treatment
Covered
IVF Treatment
Not covered
Modern Treatment
Covered
Emergency Coverage
Ambulance
Covered
Air Ambulance
Not covered
Compassionate Travel
Not covered
Global Coverage
Not Covered
Wellness Programmes
E-Consultation
Not Covered
Health Check-Up
Not covered
Second Medical Opinion
Not Covered
Vaccination
Not Covered
Limitations
Co-payment
Applicable
Sub-limits
Applicable
What is Room Rent?
The room rent limit is the maximum amount of bed charge that you can claim if you are hospitalized.
Common room categories covered under room rent are:
Private Single AC Room
Twin Sharing
General Ward
Coverage status under SBI Divyanga Suraksha Plan
Available. For normal rooms upto 1% of the SI
What are ICU Charges?
The Intensive Care Unit (ICU) is a hospital special department where patients with severe medical conditions are treated.
Coverage status under SBI Divyanga Suraksha Plan
Covered upto 2% of the SI
What is Pre Hospitalization?
Medical expenses incurred before the hospitalization of the policyholder.
Coverage status under SBI Divyanga Suraksha Plan
Covered for up to 30 days before hospitalization upto SI
What is Post Hospitalization?
Medical expenses incurred after the discharge of the policyholder from the hospital.
Coverage status under SBI Divyanga Suraksha Plan
Covered for up to 60 days after hospitalization upto SI
What is Domiciliary Hospitalization?
Home hospitalization arrangement for the insured person due to unavailability of medical amenities in hospitals. The treatment should last equal to or more than 72 hrs to get financial coverage.
Coverage status under SBI Divyanga Suraksha Plan
Not covered
What is Daycare Treatment?
Treatments that can be treated in less than 24 hours of hospitalization like blood dialysis, cataract, etc.
Coverage status under SBI Divyanga Suraksha Plan
All daycare procedures that are mentioned in the policy prospectus are covered upto specified limits
What are OPD charges?
Covers the cost of doctor consultation and prescribed medical tests that may not require hospitalization.
Coverage status under SBI Divyanga Suraksha Plan
Covered for treatments taken as per specifications
What is COVID-19 Treatment?
COVID-19 treatment includes the cost of treatment for COVID-19 with a confirmative diagnosis from Govt. an approved center.
Coverage status under SBI Divyanga Suraksha Plan
Covered
What is Cataract Treatment?
A common eye condition in which your vision gets blurred.
Coverage status under SBI Divyanga Suraksha Plan
Covered upto INR 40,000 per eye, one in a policy year
What is a No-Claim Bonus?
For every claim-free year, insurance companies reward policyholders with an increase in the Sum Insured amount as a no-claim bonus on policy renewal. However, in the case of a claim, this bonus amount either lapses or is reduced by a certain percentage that varies from plan to plan.
Coverage status under SBI Divyanga Suraksha Plan
Not applicable
What is Automatic Restoration?
Automatic restoration is a benefit in which an insurance company restores the sum insured amount completely or up to a certain percentage after it gets fully exhausted in treatments. This restoration amount may vary from plan to plan.
Coverage status under SBI Divyanga Suraksha Plan
Not covered
What is Daily Hospital Cash?
It is a cash amount that you receive each day during the time of hospitalization.
Coverage status under SBI Divyanga Suraksha Plan
Not covered
What is an Organ Donor Cover?
It is a cover that includes the cost of the procedure for removing the damaged or malfunctioning organs from the body.
Coverage status under SBI Divyanga Suraksha Plan
Not covered
What is a Maternity Cover?
It refers to the cover that includes expenses for normal and c-section procedures deliveries.
Coverage status under SBI Divyanga Suraksha Plan
Not covered
What is a New Born Baby Cover?
It takes care of the medical expenses that arise due to the hospitalization of the newborn baby in case of unforeseen circumstances. Some of the common treatments that are covered under the newborn cover are listed below and these common treatments can vary from plan to plan:
Congenital anomaly (conditions since birth)
Acute condition
Chronic condition
Premature delivery
Birth asphyxia
Day care treatment
Coverage status under SBI Divyanga Suraksha Plan
Not covered
What is AYUSH Treatment?
Refers to the cost of medicines and procedures used under AYUSH (Ayurveda, Yoga & Naturopathy, Unani, Siddha, and Homeopathy) treatment.
Coverage status under SBI Divyanga Suraksha Plan
Covered upto 50% of the SI
What is IVF Treatment?
In Vitro Fertilization (IVF) is a method of assisted reproductive technology. The common expenses incurred under IVF and infertility treatments are for:
Full infertility
No fertility
Infertility diagnosis
Infertility diagnosis and limited fertility treatment
Medication (which may or may not include fertility drug prescriptions)
Coverage status under SBI Divyanga Suraksha Plan
Not covered
What is a Modern Treatment?
Medical treatments that demand modern technology such as robotic surgeries, stem cell therapy, etc.
Coverage status under SBI Divyanga Suraksha Plan
Covered upto 50% of the SI
What is an Ambulance Cover?
An ambulance is used to move the patient from home to hospital, transfer to another hospital, and take them for different tests outside the hospitals.
Coverage status under SBI Divyanga Suraksha Plan
Covered upto INR 2,000 per hospitalization
What is an Air Ambulance?
Air ambulances are specially prepared planes that transfer the patient from one place to another in case of a health emergency.
Coverage status under SBI Divyanga Suraksha Plan
Not covered
What is Compassionate Travel?
Refers to the traveling expenses of a family member of the insured person in case the policyholders get admitted to a hospital outside his/her residential city.
Coverage status under SBI Divyanga Suraksha Plan
Not available
What is Global Coverage?
Any kind of medical/health emergency when you are outside of India.
Coverage status under SBI Divyanga Suraksha Plan
Not covered
What is E-Consultation?
If a policy offers E-consultation it allows policyholders to connect with a doctor for medical consultation through video chat, audio call, or chatbot.
Coverage status under SBI Divyanga Suraksha Plan
Not covered
What is a Health Checkup?
A facility where the policyholder can avail free health check-ups after fulfilling the company's policies.
Coverage status under SBI Divyanga Suraksha Plan
Not covered
What is a Second Medical Opinion?
If the policyholder wants, they may opt for a second medical opinion wherein the policyholder can consult another doctor within the company’s network of medical practitioners.
Coverage status under SBI Divyanga Suraksha Plan
Not covered
What is Vaccination cover?
Coverage against the expenses incurred on vaccinations is provided by the insurance companies.
Coverage status under SBI Divyanga Suraksha Plan
Not covered
What is Co-payment?
In the co-payment clause, policyholders have to pay a portion of the hospitalization expense on their own and the insurer will pay the rest of the amount.
Coverage status under SBI Divyanga Suraksha Plan
Applicable. 20% on all claims unless waiver opted
What is the Sub limit?
Sub limit is a condition in which the insurer will have to pay the medical expense up to a certain percentage and the remaining amount will have to be paid by the policyholder.
Coverage status under SBI Divyanga Suraksha Plan
Applicable
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.
Dietary supplements and substances (without a prescription)
Unproven treatments
Sterility and infertility
Others, as per the details mentioned in the exclusions list of the SBI Divyanga Suraksha plan.
Summing Up
Disability in itself is so distressful and cannot be left unaddressed. When we talk about healthcare for such individuals, having suitable health insurance for disability is the right choice. SBI Divyanga Suraksha insurance policy is such a boon for those who are certified disabled persons and for those who are suffering from a disease caused by HIV.
If you are satisfied with the guide we’ve curated for you, do ring us on 1800 4200 269 or email us with your feedback. If you want to know more about the SBI Divyanga Suraksha plan, click on Get a Quote and get the answer to your questions.
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A standard health insurance plan that comes with a coverage of 10 Lakhs. Moreover, the plan comes with a 5% Co-pay, applicable on all the admissible claims.
Unique Features
Advanced Procedures covered
Lifelong renewals
Cumulative Bonus of 5%
SBI Arogya Sanjeevani (Pros)
Road Ambulance
High SI
AYUSH Cover
Room Rent
Pre & Post Hospitalization
SBI Arogya Sanjeevani (Cons)
Cosmetic Treatment
Injury Due To Illegal Activity
Injury Due To Hazardous Activities
Adventure Sport Injuries
Unlawful Activities
SBI Arogya Sanjeevani (Other Benefits)
Family Floater
Tax Benefits
Affordable Premiums
Medicine Cover
Cataract Cover
SBI Arogya Sanjeevani (Eligibility Criteria)
Entry Age - 3 Months
Max Entry Age - 65 Years
SI - 50k to 10L
Waiting Period - 30 Days
Affordable Plan
SBI Retail Health Insurance Policy
A family floater plan for metro and non-metro cities offering wide coverage of INR 5 Lakhs. No pre-policy medical check-up is required to avail of this policy.
An all-inclusive insurance cover to cater to your health & fitness needs. It is an individual and family floater policy with 7 optional covers to select from.
Unique Benefits
Tax Benefits
Reinsure Benefit
Health Multiplier
Super Health Insurance (Pros)
Enhanced Cumulative Bonus
Daycare Procedures
Maternity Cover
Annual Health Check-up
Optional Covers
Super Health Insurance (Cons)
Cosmetic Treatment
Injury Due To Illegal Activity
Injury Due To Hazardous Activities
Adventure Sport Injuries
Unlawful Activities
Super Health Insurance (Other Benefits)
OPD Expenses
International Treatment
SI up to 2 Crores
Flexible-Premium Payment
Domestic Staff Cover
Super Health Insurance (Eligibility Criteria)
Entry Age - 91 Days
Max Entry Age - No Limit
SI - 3 L to 2 Crore
Waiting Period - 30 Days
Corona Kavach
SBI Corona Kavach Policy
A standard corona-specific health cover that protects you from COVID-19. The plan covers room rent, ICU expenses, and home care expenses for up to 14 days.
Unique Benefits
Tax Benefits
No Medical check-up
New Born Cover
Corona Kavach Policy (Pros)
Room Rent Cover
ICU Cover
Doctor Fee Cover
Ambulance Cover
Nursing Expense Cover
Corona Kavach Policy (Cons)
Cosmetic Treatment
Injury Due To Illegal Activity
Injury Due To Hazardous Activities
Adventure Sport Injuries
Unlawful Activities
Corona Kavach Policy (Other Benefits)
Medicine Charges
Pre & Post Hospitalization Cover
Hospital Daily Cash
Affordable Premiums
SI Up to 5 L
Corona Kavach Policy (Eligibility Criteria)
Entry Age - 1 Day
Max Entry Age - 65 Years
SI - 50k to 5 L
Waiting Period - 30 Days
Corona Rakshak
SBI Corona Rakshak Policy
The plan offers a lump sum benefit equal to 100% of the sum insured on the diagnosis of COVID-19.
SBI Personal Accident plan provides protection against accidental death, loss of life, and disabilities, it offers a cumulative bonus along with add-ons for ambulance charges.
Unique Benefits
Tax Benefits
No Pre-policy check-up
Affordable Premiums
Individual Personal Accident (Pros)
Loss of Life Cover
Disabilities Cover
Loss of Income Cover
Permanent Total Disability
Education Benefit
Individual Personal Accident (Cons)
Cosmetic Treatment
Injury Due To Illegal Activity
Injury Due To Hazardous Activities
Adventure Sport Injuries
Unlawful Activities
Individual Personal Accident (Other Benefits)
Add-on Covers
Temporary Total Disability
Permanent Total Disability
Permanent Partial Disability
Accidental Death
Individual Personal Accident (Eligibility Criteria)
The plan offers coverage against 13 critical illnesses & financial support irrespective of the actual medical expenses, & comes with two policy tenures enabling customization.
Unique Features
Entry Age upto 65 years
Free-look period of 15 days
Coverage of up to 10 Lakh
Critical Illness Plan (Pros)
Covers 13 CI
Cancer Care
Kidney Failure
Organ Transplant
Stroke
Critical Illness Plan (Cons)
Cosmetic Treatment
Injury Due To Illegal Activity
Injury Due To Hazardous Activities
Adventure Sport Injuries
Unlawful Activities
Critical Illness Plan (Other Benefits)
High SI
Paralysis
Coma
2 Plan variants
Blindness Cover
Critical Illness Plan (Eligibility Criteria)
Entry Age - 18 Years
Max Entry Age - 65 Years
SI - 3 L to 10 L
Waiting Period - 30 Days
Hospital Daily Cash
SBI Hospital Daily Cash Insurance Policy
The policy provides a fixed amount to the claimant for each day of hospitalization and expenses like traveling, food, and much more.
SBI Loan Insurance policy helps you to repay your outstanding loan in case you are a victim of any of the listed 13 critical illnesses/accidental death/unemployment.
This plan is available for individuals and families, wherein the plan will take care of medical expenses with affordable premium rates.
Unique Features
Tax Benefits
Wide Coverage
Room Rent Covered
Group Health Policy (Pros)
Medical Practitioners Available
Specialist Fees Cover
Daycare Expenses
Domiciliary Hospitalization
Pre & Post Hospitalization
Group Health Policy (Cons)
Cosmetic Treatment
Injury Due To Illegal Activity
Injury Due To Hazardous Activities
Adventure Sport Injuries
Unlawful Activities
Group Health Policy (Other Benefits)
Individual Cover
Family Cover
High SI
Policy Renewal opted
Ambulance Cover
Group Health Policy (Eligibility Criteria)
Entry Age - 18 Years
Max Entry Age - 65 Years
SI - 1 - 5 L
Waiting Period - 30 Days
Saral Suraksha
SBI Saral Suraksha Bima
Designed for individuals between the ages of 18 to 70 years, the plan offers coverage for accidental death, permanent, total, and permanent partial disability.
Unique Benefits
Tax Benefits
Education Grant
Affordable Premiums
Saral Suraksha Bima (Pros)
Loss of Life
Affordable Premiums
Temporary Total Disablement
Hospitalization Expenses
Up to 5% Cumulative Bonus
Saral Suraksha Bima (Cons)
Cosmetic Treatment
Injury Due To Illegal Activity
Injury Due To Hazardous Activities
Adventure Sport Injuries
Unlawful Activities
Saral Suraksha Bima (Other Benefits)
Up to 1 Crore SI
Accidental Death Cover
Individual and Family Floater
1-Year Policy Term
Multiple Discounts
Saral Suraksha Bima (Eligibility Criteria)
Entry Age - 18 Years
Max Entry Age - 70 Years
SI -2.5 L - 1 Crore
Waiting Period - 30 Days
Saral Suraksha
SBI Travel Insurance (B & H)
The plan is designed uniquely for providing travel support, loss of passport, round-the-clock assistance, and many more benefits.
Unique Benefits
Tax Benefits
Wide Coverage
Affordable Premiums
Travel Insurance (B & H) (Pros)
Quick Payout Process
Global Coverage
24/7 Emergency Assistance
Multi Trip Insurance
Single Trip Insurance
Travel Insurance (B & H) (Cons)
Cosmetic Treatment
Injury Due To Illegal Activity
Injury Due To Hazardous Activities
Adventure Sport Injuries
Unlawful Activities
Travel Insurance (B & H) (Other Benefits)
Loss of Passport
Trip delays
Home Burglary
Covers Personal Liability
Travel Support
Travel Insurance (B & H) (Eligibility Criteria)
Entry Age - 6 Months
Max Entry Age - 70 Years
SI - $ 5,00,000
Waiting Period - 30 Days
Saral Suraksha
SBI Arogya Shield
A combination plan wherein you can secure both health and life, providing comprehensive coverage for medical emergencies and an assured life cover
Unique Benefits
Tax Benefits
Dual Protection
Affordable Premiums
SBI Arogya Shield (Pros)
Cashless Claims
141 Daycare Procedures
High SI
Health Cover
Life Cover
SBI Arogya Shield (Cons)
Cosmetic Treatment
Injury Due To Illegal Activity
Injury Due To Hazardous Activities
Adventure Sport Injuries
Unlawful Activities
SBI Arogya Shield (Other Benefits)
Pre Hospitalization
Post Hospitalization
Domiciliary Hospitalization
Outpatient Treatment
Alternative Treatment
SBI Arogya Shield (Eligibility Criteria)
Entry Age - 91 Days
Max Entry Age - 65 Years
SI - 1 - 3 L
Waiting Period - 30 Days
Group Personal Accident
SBI Group Personal Accident Policy
A versatile Group accident plan covering accidental death, ambulance cover, child education cover, adaptation allowance, and more.
Unique Features
Loss of Life Cover
Permanent Total Disability
Child Education Cover
Group Personal Accident Policy (Pros)
Accidental Death
Permanent Total Disability Cover
Ambulance Cover
Funeral Expenses Cover
Repatriation Cover
Group Personal Accident Policy (Cons)
Cosmetic Treatment
Injury Due To Illegal Activity
Injury Due To Hazardous Activities
Adventure Sport Injuries
Unlawful Activities
Group Personal Accident Policy (Other Benefits)
Temporary Total Disability Cover
Temporary Partial Disability Cover
High SI
Tax Benefits
Affordable Premiums
Group Personal Accident Policy (Eligibility Criteria)
Entry Age - N/A
Max Entry Age - N/A
SI - 2 L - 20 L
Waiting Period - 30 Days
Group Loan Policy
SBI Group Loan Insurance Policy
A unique health insurance policy that can be availed for 5 years, covers 15 critical illnesses, accidental death, accidental hospitalization, and more.
1. What is the SBI Divyanga Suraksha insurance plan?
This is a health plan for persons with disability, people with mental illness, and HIV/AIDS.
2. I have a pre-existing HIV. Can I still claim my Divyanga Suraksha policy for HIV?
Yes, you can claim the policy against HIV treatment only after completing a waiting period of 30 days.
3. What’s considered a disability as per this insurance policy?
As per The Rights of Persons with Disabilities Act, 2016 of India, there must be 40% or more disability in specified body parts of the individual after which only they can buy this product. Given the condition, the policy will be issued to those who are certified by the medical board of disability certification appointed by the Indian Government.
4. Can I buy the SBI Divyanga Suraksha policy if I have a different health insurance?
No, you can only keep one active policy, collectively from all the insurers.
5. Is modern treatment covered under this insurance?
Yes, modern or advanced treatment procedures are covered under this policy upto a maximum of 50% of the sum insured.
Simran has an experience of 3 years in insurance content writing. She transitioned from hospitality to the insurance industry after her emerging interest in how vast insurance is. With her ability to write complex insurance concepts in a simple, relatable manner she keeps her audience hooked and solves their doubts smoothly.
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