Whether it’s a medical emergency brought on by a disease or an accident, they can be upsetting for a variety of reasons. It not only hurts and traumatizes you, but it can also harm your finances, derail your financial ambitions, and interfere with your family’s plans. Health insurance programs offer protection from financial hardships even though it is impossible to completely avoid medical catastrophes.
SBI General Health Insurance covers a variety of medical costs, including those related to hospitalization (including pre-and post-acute care), ICU fees, OPD visits, childcare operations, and ambulance costs, among others. Plans for critical illnesses, COVID-19, mental illnesses, as well as other diseases and disorders are among the insurer’s bespoke policies. Check out the diseases covered by SBI health insurance policies now.
Importance of SBI Health Insurance Plans
In the insurance sector, SBI general health insurance has an unmatched reputation. This is one of the oldest and most well-known insurance firms, and it offers a variety of attractive SBI health insurance policy plans that pay for medical expenses incurred as a result of an accident or illness. These health insurance policies provide coverage for hospitalization, outpatient treatment, daycare, ICU, ambulance, maternity, and other charges. The company also offers consumers specialized health plans that are created for serious illnesses, the coronavirus, etc.
Wide Range of SBI Health Insurance Policies
SBI provides a variety of health insurance products to protect against a range of ailments. These plans consist of:
- Arogya Supreme
- Arogya Sanjeevani Policy
- Arogya Premier Policy
- Arogya Plus Policy
- Arogya Top-Up Policy
- Corona Kavach Plan
- Corona Rakshak Plan
- Kutumb Swasthya Bima
- Retail Health Insurance Policy
- Critical Illness Insurance Policy
- Hospital Daily Cash Insurance Policy
- Loan Insurance Policy
List of Diseases Covered by SBI Health Insurance Plans
Let’s check out the list of diseases covered by SBI health insurance plans:
- COVID-19
Highly contagious COVID-19 can cause serious health issues, especially in those who already have co-morbid conditions. If a health issue arises, treatment may become expensive. However, your insurance provider will pay for your medical bills if you have a Corona Kavach or Corona Rakshak policy. Additionally, COVID-19 hospitalization costs are covered by all SBI health insurance plans.
- Critical Illness
If you ignore these fatal illnesses, they could lead to serious problems. These illnesses may affect you owing to your lifestyle. To treat your serious illnesses, you must invest a substantial sum, which could drastically deplete your savings. However, plans like the SBI Loan Insurance Retail policy and the SBI Critical Illness Insurance policy will cover the costs of treatment. The 13 severe diseases covered by these SBI policies include cancer, stroke, end-stage kidney failure, surgery on the coronary arteries or heart valves, coma, total blindness, etc.
- Cancer
Cancer is a fatal condition in which the body’s cells proliferate uncontrollably abnormally. Anybody’s savings might be wiped out by the disease’s long-term, costly treatments, which include surgery. However, if you have an SBI Critical Illness Insurance policy or the SBI Loan Insurance Retail policy, your insurance provider will pay for the cost of your treatment.
- Mental Illness
Your regular activities will be affected, but so will your psychological behavior, including your mood, perception, and memory. The therapies take a while, and you also have to pay a lot of money to get rid of the problems. You may relax knowing that the costs are covered after you obtain SBI health insurance coverage.
- HIV/AIDS
The immune system of an HIV/AIDS patient’s body is compromised. Although the viral illness is lethal and incurable, it is treatable. It turns out to be a costly endeavor because it necessitates ongoing monitoring, diagnostic procedures, and other therapies. SBI Arogya Supreme and other health insurance supplements, however, can be useful.
- Genetic Disease
These illnesses are inherited and can be passed down through the family. These illnesses develop as a result of some DNA abnormalities. Despite the high cost of treatments, SBI’s health protection insurance will generally cover all associated costs. Therefore, everything else, including the cost of treating hereditary illnesses, will be covered by your insurer after you obtain SBI health coverage.
- Heart Disease
If not treated promptly, this illness could be fatal. You could develop many heart conditions if your cardiac system isn’t functioning properly. Only elderly persons used to suffer from heart conditions; however, due to bad lifestyle choices, many young people are now also experiencing cardiac issues. To address cardiac problems, you might need to undergo lengthy procedures and treatments. If you have both an SBI Loan Insurance Retail coverage and an SBI Critical Illness Insurance policy, the insurer will pay for all treatment costs.
- Cataract
The eye condition known as cataract can cause blindness. It affects the normal eye lens and can only be treated surgically. However, if you have an Arogya Supreme coverage or an Arogya Sanjeevani policy, you won’t need to worry about the expense of cataract surgery because the insurance provider will cover it.
- Congenital Disease
A condition that is present in the body from birth is referred to as congenital. Its treatment could take a while and possibly involve several expensive surgeries. In contrast, if you have an SBI health insurance policy and are found to have an internal congenital illness, your insurance provider would, in the majority of cases, pay for your medical expenses.
- Genetic Disease
These illnesses are inherited and can be passed down through the family. These illnesses develop as a result of some DNA abnormalities. Despite the high cost of treatments, SBI’s health protection insurance will generally cover all associated costs. Therefore, everything else, including the cost of treating hereditary illnesses, will be covered by your insurer after you obtain SBI health coverage.
To secure your money if you are given a medical diagnosis, you must purchase health insurance. To cover the expense of a disease’s treatment, it is crucial to have the appropriate form of coverage. Therefore, when you buy an SBI health insurance plan, be sure to read the policy terms thoroughly and check the diseases covered.
