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SBI

SBI

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What We Like

This section highlights the strengths and benefits of Retail Health Policy policy by SBI. It covers what the policy does exceptionally well, including aspects that provide significant value and peace of mind to the policyholder. Here, you will find the major advantages and positive features that make this policy stand out.

You may pay a portion of the bill

Network Hospital Co-Pay (10%): On most occasions, the insurer will pay your medical bills in full up to the sum insured—no questions asked. However, i...

You always have full cover irrespective of the disease

No Disease-Wise Sub-Limits: If your insurer hasn't explicitly excluded an illness, you can claim the full sum insured for any disease, as this policy ...

Day Care treatments covered

Minor Procedure Full Coverage: If you're hospitalized for less than 24 hours for a minor procedure, the insurer will cover the costs. This includes tr...

What Is Okay

This section outlines the satisfactory but not exceptional aspects of Retail Health Policy policy by SBI. It includes features and benefits that are adequate and meet standard expectations. While these elements may not be extraordinary, they still contribute to the overall usefulness and reliability of the policy.

Pre & Post hospitalization expenses covered up to a certain limit

Coverage After 4 Years: If you're dealing with diabetes, cardiovascular problems, or similar illnesses, the insurer covers all costs after a 4-year wa...

Some coverage if you are forced to hospitalize at home

Coverage After 4 Years: If you're dealing with diabetes, cardiovascular problems, or similar illnesses, the insurer covers all costs after a 4-year wa...

Some Cover for Alternative Medicine

Diagnostic Tests Coverage (10% of Sum Insured): No worries if the doctor has to run a host of diagnostic tests before or after hospitalizing you. The ...

What We Don't Like

This section addresses the limitations and drawbacks of Retail Health Policy policy by SBI. It highlights areas where the policy may fall short or aspects that could be improved. Understanding these points is crucial for making an informed decision and managing expectations regarding the policy’s coverage and service.

No Restoration Benefit

Diagnostic Tests Coverage (10% of Sum Insured): No worries if the doctor has to run a host of diagnostic tests before or after hospitalizing you. The ...

Underwhelming bonus feature

Domiciliary Cover (?20,000): The insurer will pay up to ?20,000 if you are forced to hospitalize at home due to a medical condition or the hospital ru...

No free Health Checkups unless you wait 4 years

Alternative Treatment Coverage (?15,000): Thinking of getting Ayurvedic, Homeopathic, or other alternative treatments to cure an illness? Your insurer...

Restrictions on the rooms you can pick and much more

Room Rent Limit (1% for General, 2% for ICU): Your insurer won’t let you stay in a room whose rent exceeds 1% of the sum insured. For ICU, the limit i...

Long waiting period for pre-existing diseases

Room Rent Limit (1% for General, 2% for ICU): Your insurer won’t let you stay in a room whose rent exceeds 1% of the sum insured. For ICU, the limit i...

Underwhelming bonus feature

Domiciliary Cover (?20,000): The insurer will pay up to ?20,000 if you are forced to hospitalize at home due to a medical condition or the hospital ru...

No free Health Checkups unless you wait 4 years

Alternative Treatment Coverage (?15,000): Thinking of getting Ayurvedic, Homeopathic, or other alternative treatments to cure an illness? Your insurer...

Restrictions on the rooms you can pick and much more

Room Rent Limit (1% for General, 2% for ICU): Your insurer won’t let you stay in a room whose rent exceeds 1% of the sum insured. For ICU, the limit i...

Long waiting period for pre-existing diseases

Room Rent Limit (1% for General, 2% for ICU): Your insurer won’t let you stay in a room whose rent exceeds 1% of the sum insured. For ICU, the limit i...

No free Health Checkups unless you wait 4 years

Alternative Treatment Coverage (?15,000): Thinking of getting Ayurvedic, Homeopathic, or other alternative treatments to cure an illness? Your insurer...

Restrictions on the rooms you can pick and much more

Room Rent Limit (1% for General, 2% for ICU): Your insurer won’t let you stay in a room whose rent exceeds 1% of the sum insured. For ICU, the limit i...

Long waiting period for pre-existing diseases

Room Rent Limit (1% for General, 2% for ICU): Your insurer won’t let you stay in a room whose rent exceeds 1% of the sum insured. For ICU, the limit i...

Restrictions on the rooms you can pick and much more

Room Rent Limit (1% for General, 2% for ICU): Your insurer won’t let you stay in a room whose rent exceeds 1% of the sum insured. For ICU, the limit i...

Long waiting period for pre-existing diseases

Room Rent Limit (1% for General, 2% for ICU): Your insurer won’t let you stay in a room whose rent exceeds 1% of the sum insured. For ICU, the limit i...

Long waiting period for pre-existing diseases

Room Rent Limit (1% for General, 2% for ICU): Your insurer won’t let you stay in a room whose rent exceeds 1% of the sum insured. For ICU, the limit i...

Frequently Asked Questions

Medfin offers the latest surgical procedures to ensure that you
recover as fast as possible in the least painful way possible.

The claim settlement ratio for Retail Health Policy in 2024 is 99.41%. This high ratio demonstrates the insurer's commitment to efficiently processing claims, offering peace of mind to policyholders.

The Retail Health Policy is designed to offer comprehensive health coverage for individuals and families, with customizable options for various needs.

Yes, pre-existing conditions are covered after a waiting period of 36 months.

Yes, the plan includes maternity benefits after a waiting period of 3 years.

Yes, the plan includes wellness benefits such as health check-ups, personalized health coaching, and access to fitness programs.

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