SBI Health Insurance For Maternity

Wondering about the benefits of choosing the SBI health insurance for maternity? Well, there are many, as you will soon find out! The SBI maternity insurance coverage is a must for mothers-to-be and should be high on your priority list. Many people make the mistake of neglecting maternity coverage and this leads to high costs at several junctures.

On that note, here’s learning more about the SBI Arogya premier policy pregnancy and other inclusions.

Learning More about the SBI General Insurance Maternity Policy

You must have already heard about the SBI health insurance with maternity since it is a popular option throughout the country. The SBI health insurance maternity cover is a specialty insurance product for covering a wider spectrum of requirements at this stage of life.

There is coverage for hospitalization costs after the initial waiting period of 9 months under the SBI health insurance maternity plan. At the same time, the SBI maternity insurance plan is available for a duration of three years and the Arogya Premier Policy may be taken both individually and as part of a family floater plan (sum insured basis). Coverage is available for both post and pre-hospitalization costs along with daycare costs as well. Naturally, this proves to be a great help since you do not have to bear these costs at one go. You can simply pay a comparatively pocket-friendly SBI maternity insurance premium instead.

Main Features of SBI Health Insurance for Maternity

• The policy duration is 1/2/3 years. 
• You can get tax deductions under Section 80D. 
• The sum insured may be automatically restored based on certain conditions. 
• Options for sum insured between Rs. 10-30 lakh. 
• Cumulative 10% bonus of sum insured for every year that is free of claims with a maximum of 50%. 
• Alternative treatments such as Siddha, Ayurveda, Homeopathy, and Unani are also covered under the policy. 
• There are no pre-acceptance health check-ups till the age of 55 for those without any medical history. 

Coverage Scope

• In-patient treatments. 
• Daycare surgery and procedure coverage up to 142 days. 
• Mandatory maternity hospitalization costs. 
• Medical costs for treatment of organ donors. 
• Expenditure on health check-ups and reimbursements up to Rs. 5,000 for each insured member. 
• Pre and post hospitalization costs are covered for up to 60 and 90 days respectively. 
• Ambulance and air ambulance coverage up to Rs. 1 lakh. 
• Domiciliary (home treatments) hospitalization coverage. 

Eligibility Criteria

The minimum entry age is 3 months within the policy while the maximum age is 65 months. 

Exclusions

• Treatment done outside the country. 
• Violating any laws or self-inflicted injuries. 
• Aesthetic, cosmetic or plastic surgery procedures. 
• Epidemic ailments recognized by the Government of India or WHO. 
• Act of any foreign enemy, war, hostility, invasion and such occurrences.

You should carefully note all the terms and conditions before finalizing the policy at your end. Make sure that you note all the exclusions since it will help you avoid any confusion at the time of submitting a claim. The sum insured under this policy goes up to Rs. 10 lakh which is a fair amount. 

The age limits, as mentioned, are 3 months and 65 years respectively. The Arogya Premier Policy by SBI certainly deserves a closer look on your part. Not only will you ensure basic healthcare coverage for the entire family, but you will also get coverage for crucial maternity expenditures in the bargain.