SBI Health Edge Plan

The following are the key features and benefits of considering the SBI Health Edge insurance policy.

• In-Patient Hospitalization Treatment

The plan will pay You the medical expenses up to the Sum Insured and the Number of days of hospitalisation (opted) if You are Hospitalised for a Minimum of 24 Hours on the Advice of a Medical Practitioner as defined under the Policy Due to Illness or Accidental Bodily Injury, Sustained or contracted during the Policy Period.

• Pre-hospitalization Medical Expenses

For a period of 30 days, the SBI Health Edge policy will cover the insured person’s pre-hospitalization medical costs related to an illness or injury on a reimbursement-only basis.

• Post-Hospitalization Expenses

The plan will cover the insured person’s post-hospitalization medical costs incurred as a result of an illness or injury for a period of 60 days only on a reimbursement basis.

• Daycare Treatment

If the insured person is admitted for a period longer than two hours, the daycare treatment will also be covered, along with any angiography, dialysis, radiotherapy, or chemotherapy for cancer-related treatments. The plan will cover any medical costs the insured person incurs while receiving daycare services during the policy period.

• Ayush Treatment

In each Policy Year, up to the Sub-limit set forth against this Cover in the Policy Schedule, the Company shall reimburse the Insured Person for Medical Expenses incurred for Inpatient Care under the Ayurvedic, Yoga and Naturopathic, Unani, Siddha, and Homoeopathic systems of medicine in any AYUSH Hospital.

• Hospital Daily Cash

A significant benefit of the SBI Health Edge insurance policy is that, if a medically necessary hospitalisation lasts longer than 24 hours, the plan will pay the daily sum insured up to the maximum number of days and in the manner described in the policy schedule.

• Healing Benefit

If you choose this option and your medically necessary hospitalisation lasts longer than 5 consecutive and continuous days, the plan will pay you a lump sum in the amount specified in the policy schedule.

• Accidental Death Cover for Primary Insured

If the Primary Insured Person sustains an Injury solely and directly as a result of an Accident that occurs during the Policy Period and which solely and directly results in the Primary Insured Person’s death within three hundred and sixty-five (365) days from the date of Accident, the plan will pay the Primary Insured Person a lump sum amount as specified in the Policy Schedule.

• Domestic Help/Staff Indemnity

The plan will cover the Reasonable and Customary Charges for Medically Necessary Treatment received by the Insured Person, in this case, Domestic Help, for an Illness, Injury, or Condition during the Policy Period.

• Maternity Expenses

When you choose the SBI Health Edge insurance policy, the major highlight is that it will cover, after a 48-month waiting period, the Medical Expenses incurred up to the amount listed against this Benefit in the Policy Schedule for the Hospitalisation of the female Insured Person for the delivery of the child during the Policy Period.

• Assisted Reproduction Treatment

Another major reason to consider the SBI Health Edge plan is that it will pay for medical costs up to INR 1 lakh incurred for assisted reproductive treatment for infertility, but only after a 48-month waiting period from the insured person’s first day of coverage with the Company.

• Booster Benefit

If this option is chosen, the Base Sum Insured under the current Policy Year’s Base Sum Insured is increased by 50% (as specified in the Policy Schedule) for each claim-free Policy Year (where no claims are reported), provided the Policy is renewed with the Company without a break, up to a maximum cap of 200% (as specified in the Policy Schedule) of the Base Sum Insured.

• Out Patient Cover

Regardless of the type of Policy (floater or individual basis cover), the plan will reimburse the Medical Expenses per member incurred up to the amount specified against this Benefit in the Policy Schedule for the allopathic OPD expenses, including Diagnostics and Pharmacy.

• New Born Baby Cover

When you choose the plan, the Mother is also covered by the policy and the company will reimburse the Medical Expenses for a Newborn Baby up to the Sum Insured specified against this Benefit in the Policy Schedule.

• Global Treatment

If an insured person needs inpatient care outside of India during the policy period due to an illness or one of the below-listed procedures that develops or manifests itself during the policy period, the plan will cover the medical expenses.