SBI General Insurance - Critical Illness Plan

SBI General Insurance

SBI General Insurance Company is a joint venture between State Bank of India and Insurance Australia Group (IAG), one of the oldest Insurer in the world. With multi-distribution model consisting of bancassurance, agency, broking & retail direct channels, SBI General Insurance currently covers close to 56 cities pan India and has a wider presence in other cities through satellite resources.

Contact Details

Toll Free Number- 1800-22-1111 / 1800-102-1111
E-Mail - customer.care@sbigeneral.in

Product Overview -
SBI Insurance Critical Illness Plan

SBI Critical Illness Plan is a critical illness benefit policy, which will pay a lump sum amount on the diagnosis of the covered illness of specified severity post the initial waiting & survival period.

Unique Features - SBI Insurance Critical Illness Plan

13 major Critical illness covered.
Policy offers high sum insured upto 50 lacs

Eligibility Criteria - SBI Insurance Critical Illness Plan

Eligibility Criteria
Age Criteria Min Entry Age: 18 Years Max Entry Age: 65 Years
Renewal Age Life Long Renewal
Coverage for Individual & Family Basis Individual - For Self, Spouse, Dependent Children 
Sum Insured (Min-2 Lacs) to (Max -restricted to 60 months gross income or 50 Lacs )(Non-Earning Insured restricted to 50% of SI Max-10 lacs based on Proposer income)(Above 60 years Max-15 Lacs)
Policy Tenure 1 Year and 3 years

Product Benefits - SBI Insurance Critical Illness Plan

Critical Features
No Of Covered Disease 13
Initial Survival Period 28
Initial Waiting Period 90 Days
Coverage For PED Not covered
Second Opinion Not covered
Other Features
Add On Covers Not Available
Sum insured Range 2 Lacs to 50 Lacs
Type of Coverage Individual and Family Floater
Annual Health Check Up Not Covered

Waiting Period - SBI Insurance Critical Illness Plan

Initial Waiting period - The insured is not covered for the 13 diseases under this policy for the first 90 days of the policy coming into existence. The waiting period is not applicable on subsequent renewals
Pre-existing Diseases - Not Covered


Survival Period - SBI Insurance Critical Illness Plan

The survival period is the length of time, the insured, must survive after he has been diagnosed with a covered critical illness
28 Days
13 Critical Illnesses covered
28 days survival period from the date of confirmed diagnosis with defined severity/ date of actual undergoing of the procedure
1.Cancer
2.Kidney Failure (End Stage Renal Failure)
3.Primary Pulmonary Arterial Hypertension
4.Multiple Sclerosis
5.Major Organ Transplant
6.Coronary artery by-pass grafts (with surgery to divide the breastbone)
7.Aorta Graft Surgery
8.Heart Valve Surgery
9.Stroke
10.Myocardial Infarction (First Heart Attack)
11.Coma
12.Total Blindness
13.Paralysis

Exclusion - SBI Insurance Critical Illness Plan

  • Pre- Existing disease, related condition(s) & complications.
  • Waiting period of 90 days from the date of issuance of the policy.
  • Any congenital Illness/Conditions.
  • Attempted suicide (whether sane or insane) or intentionally self inflicted Injury or Illness.
  • Sexually transmitted conditions, mental or nervous disorder, Acquired Immune Deficiency Syndrome (AIDS), Human Immune deficiency Virus (HIV) infection.
  • Being under the influence of drugs, alcohol, or other intoxicants or hallucinogens unless properly prescribed by a Medical Practitioner and taken as prescribed.

Add-ons - SBI Insurance Critical Illness Plan

Not Available

Additional Discounts - SBI Insurance Critical Illness Plan

Not Available

Tax Benefits - SBI Insurance Critical Illness Plan

Tax benefits for the premium paid under Section 80D of the Income Tax Act.

Claim Process - SBI Insurance Critical Illness Plan

Know Claim Process




  • By clicking on the "GET A CALL" button, I accept the terms and conditions & authorize OneInsure representatives to contact me (via Call/SMS/Email).

THANK YOU!