SBI Critical Illness Insurance Plan

Critical Illnesses usually hit without prior intimation and hence can pose as a great blow to the finances and also cause a lot of distress. Hence, SBI Critical Illness Health Insurance plan offers the insured with the . This plan is specifically designed to combat 13 of the most common critical illnesses with benefits that ease the burden on the insured as well as their beneficiaries.


This health insurance plan does not have variants.

Key features of SBI Critical Illness Insurance:

Entry Age
Adults Between 18 years to 65 years
Policy Period 1 year or 3 years
Renewability Only 1 critical illness can be covered in the lifetime of the insured.
Medical Screening Applicable for applicants above the age of 45 years. Accepted applicants will receive 50% of the medical costs incurred.
Sum Assured Minimum- Rs. 2 Lakh Maximum- Rs. 50 Lakh Maximum cap of Rs.15 Lakh for first time applicants above the age of 60 years. Non-earning insured will be granted 50% of the sum insured up to a maximum cap of Rs. 10 Lakhs on the basis of the income of the proposer.
Coverage Insurance benefit is only payable in the scenario that the insured is alive for a duration of 28 days or more after the first diagnosis of the illness. The policy automatically terminates upon payment of first critical illness benefit. Only 1 critical illness claim can be made during the lifetime of the insured. Maximum benefit amounting to Rs. 50,00,000 offered under critical illness cover. The policy covers against the following 13 illnesses-
  • Kidney Failure (End Stage Renal Failure)
  • Primary Pulmonary Arterial Hypertension
  • Multiple Sclerosis
  • Major Organ Transplant
  • Coronary artery bypass grafts (with surgery to divide the breastbone)
  • Aorta Graft Surgery
  • Heart Valve Surgery
  • Stroke
  • Myocardial Infarction (First Heart Attack)
  • Coma
  • Total Blindness
  • Paralysis
  • This plan coverage against 13 most critical illnesses.
  • Free look period of 15 days.
  • Premiums paid towards this plan is exempt from Income Tax under Section 80D of the Income Tax Act.

Disclaimer - Please read the terms, conditions and exclusions mentioned in the policy document carefully

Other Health Insurance Plans from SBI Health Insurance:

GST rate of 18% applicable for all financial services effective July 1, 2017.

Disclaimer: Premiums may vary depending upon factors like age, location and prevailing taxes/GST.

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