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Would you believe if we say that the SBI Divyanga Suraksha health insurance plan provides healthcare for people with disability or any pre-existing HIV disease health insurance?
Yes, you heard that right!
The SBI Divyanga Suraksha health plan is specially designed for people with certified disability/disabilities according to the Rights of Persons with Disabilities Act of 2016, India. Additionally, a person with HIV or AIDS certified by the Human Immunodeficiency Virus and Acquired Immune Deficiency Syndrome (Prevention and Control) Act of 2017, India can also buy this plan.
The basic available options of the sum insured of SBI Divyanga Suraksha health policy is INR 4 & 5 Lakhs for which the insured can receive the following healthcare services
The policyholders can claim for room rent charges, including nursing, doctor’s prescription, ICU cover, etc against their Divyanga Suraksha policy with a range of 1% for room rent, and 2% for ICU charges out of the total sum insured opted. Apart from this, there is an availability of co-payment options upto 20%, however, it can be waived off with an optional cover. The best part of this plan is that it covers modern treatment and advanced surgical procedures upto 50% of the sum insured, which means you get an extra layer of protection with basic healthcare cover.
Furthermore, we’ve curated this guide which will give you all the information related to the SBI Divyanga Suraksha plan. Read on and make an informed decision before investing in it.
| PLAN DETAILS |
Sbi Divyanga Suraksha Plan |
Activ Health Platinum Plan |
| 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 | Not 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) |
Not 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 | 12900 |
| Organ Donor Expenses (Expenses incurred on organ donor in case of organ transplants) |
Not Covered | Not Covered |
|
Hospital Daily Allowance (Some plans offer daily allowance to take care of expenses like food, etc) |
Not Covered | Not Covered |
| Ambulance Charges (Expenses incurred on ambulance charges) |
Covered | Covered |
|
Maternity Benefits (All Hospitalization cost covered at the time of pregnancy.) |
Not Covered | Not Covered |
| New Born Baby Covered (Newborn babies can be covered under the insurance plan after a certain period) |
Not Covered | Not Covered |
| Health Checkup (An added benefit of one time full health checkup of policy holder.) |
Not Covered | Covered |
|
Sub Limit (Sub-limit is a monetary capping that applies on specific diseases like cataract) |
Covered | Not Covered |
| Co-pay (Mentioned %, if any is to be borne by Insured and rest will be borne by insurer) |
Covered | Covered |
| Plan Entry Age | 18 - 65 years | 91 days – Dependent child, 18 years – Adult, No maximum age |
| Plan Premium Entry Age and S/A | NA | Rs 13,690 |
| Plan Waiting Period | 30 | 30 days |
| Plan Coverage | Individual cover | Individual/ Family Floater |
| Plan Sample Premium | NA | Rs 13,690 |
| Plan Brochure | Brochure URL | Brochure URL |
| Policy Term | 1 Year | 1/2/3 Years |
| ICU Charges | Covered | Covered |
| Covid-19 Treatment | Covered | Covered |
| Cataract | Covered | Covered |
| Automatic Restoration | Not Covered | Not Covered |
| Ayush Treatment | Covered | Covered |
| Modern Treatment | Covered | Covered |
| E Consultation | Not Covered | Not Covered |
| Air Ambulance | Not Covered | Covered |
| Global Coverage | Not Covered | Not Covered |
| Claim Ratio | - | 96 |
| Solvency Ratio | 2.03 | 1.88 |
|
Aditya Birla Activ Health Platinum Plan |
||
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