SBI General Hospital Daily Cash Insurance Plan

• Avail Daily cash allowance
• Maximum age of entry is 65 years
• No pre-policy medical check-up up less than 45 years
• Speedy claims procedure

In case of hospitalization due to Accidental Bodily Injury or Sickness first occurring during the policy period, following benefits can be availed. The benefits mentioned below are payable up to 30/60 days, as per the plan option opted.

• Daily Hospital Cash (DHC) is payable for each continuous and completed period of 24 hours of hospitalization.
• Twice of Daily Hospital Cash is payable for each continuous and completed period of 24 hours of hospitalization due to accidental bodily injury. This Accident hospital confinement benefit is applicable for a maximum of 5 days per hospitalization, up to 10 days in a policy period.
• Twice of Daily Hospital Cash is payable for each continuous and completed period of 24 hours of ICU hospitalization. This benefit is applicable for a maximum of 7 days per hospitalization, up to 15 days in a policy period.
• Thrice of Daily Hospital Cash or Rs 5,000 whichever is less, is payable when in-patient hospitalization exceeds 10 consecutive days in a single admission. The convalescence benefit is paid as a lump sum amount, applicable once during a policy period.

• Two plan options of 30 days and 60 days coverage.
• 4 flexible options for daily benefit amount.
• Get hospital cash for ICU hospitalization, accidental hospitalization, convalescence benefit.
• Tax Benefit under section 80D of Income Tax Act, 1961.

• Maximum daily benefit amount payable for hospitalization is Rs 2,000. It would be restricted to Rs 500 per day for a maximum of 30 days for an insured person aged 60 years and above, taking policy for the first time.
• Daily hospital cash for accidental injury, ICU hospitalization, & convalescence benefit is also capped, as defined under the policy terms.
• Deductible equivalent to the first 24 hours Hospitalization benefit will be levied on each and every hospitalization during the Policy Period.

• Initial Waiting Period: Claims arising during first 30 days of the policy start date, except accidental claims.
• Specific Waiting Period: Some diseases/surgeries such as Hydrocele, Hernia, etc. are covered after 1 year from the inception date of the policy. Other diseases/surgeries such as Hysterectomy, Cataract, etc. are covered after 2 years from the inception date of the policy. Joint replacement surgery is covered after 3 years of waiting period.
• Pre existing Disease Waiting Period: Any pre-existing disease or related conditions for which insured has done diagnosis, received medical treatment, or had signs and symptoms, before commencement of the policy or as specified under the policy.

• Mental disease/illness
• AIDS and related diseases
• Day care treatments
• Pregnancy and childbirth related expenses
• Use of drug or alcohol, etc.