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The SBI General Health Alpha health insurance plan is highly flexible and can be tailored to your needs. You start with a base of Hospitalization Cover and/or Personal Accident Cover, and it can be enhanced with over 50 optional covers, as well as benefit-based add-ons and financial modifiers.
The plan is designed for people who want total control over their health coverage, allowing them to choose only what they need and remove what they do not.
| PLAN DETAILS |
Health Alpha Plan |
Galaxy Twin 360 |
| Product Type | Individual | Individual and Family Health Insurance |
| Key Features (Key features of the plan) |
|
|
| OPD Details (In some policies, OPD (Out patient department) expenses are also covered.) |
Covered | COVERED |
|
Room Rent (A limit of room rent cover during hospitalization if any) |
Covered | COVERED |
| Domicillary Hospitalization (It is the expenses incurred on treatment of the patient at home) |
Covered | COVERED |
| Pre-hospitalization (Expenses before the insured is hospitalized) |
Covered | COVERED |
| Post-hospitalization (Expenses after discharge from the hospital) |
Covered | COVERED |
| Day Care Treatment Covered (Day care treatments refers to the treatments that do not necessarily require 24hrs of hospitalization like MRI.) |
Covered | COVERED |
| Hospital_network (Number of Hospital Network in city) |
6000 | 3216 |
| Organ Donor Expenses (Expenses incurred on organ donor in case of organ transplants) |
Covered | COVERED |
|
Hospital Daily Allowance (Some plans offer daily allowance to take care of expenses like food, etc) |
Covered | COVERED |
| Ambulance Charges (Expenses incurred on ambulance charges) |
Covered | COVERED |
|
Maternity Benefits (All Hospitalization cost covered at the time of pregnancy.) |
Covered | COVERED |
| New Born Baby Covered (Newborn babies can be covered under the insurance plan after a certain period) |
Covered | COVERED |
| Health Checkup (An added benefit of one time full health checkup of policy holder.) |
Covered | COVERED |
|
Sub Limit (Sub-limit is a monetary capping that applies on specific diseases like cataract) |
Not Covered | NOT COVERED |
| Co-pay (Mentioned %, if any is to be borne by Insured and rest will be borne by insurer) |
Covered | NOT COVERED |
| Plan Entry Age | 18 years | Adult: 18 years Children: 90 days |
| Plan Premium Entry Age and S/A | 18 years | Upto Rs. 35 lakh |
| Plan Waiting Period | 30 | 30 days |
| Plan Coverage | Hospitalisation and medical expenses covered, Pre and post hospitalisation expenses, Day care treatments covered | Room rent, Road ambulance, ICU, Daycare procedures, AYUSH treatment |
| Plan Sample Premium | Unlimited | 6,000 |
| Plan Brochure | Brochure URL | Brochure URL |
| Policy Term | 5 years | 1/2/3/4/5 years |
| ICU Charges | Not covered | COVERED |
| Covid-19 Treatment | Not covered | NOT COVERED |
| Cataract | Not covered | COVERED |
| Automatic Restoration | Covered | COVERED |
| Ayush Treatment | Covered | COVERED |
| Modern Treatment | Covered | COVERED |
| E Consultation | Covered | COVERED |
| Air Ambulance | Covered | NOT COVERED |
| Global Coverage | Covered | NOT COVERED |
| Claim Ratio | - | 98.9 |
| Solvency Ratio | 2.03 | 4.70 |
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