While living in a world where nothing is certain or predictable you cannot predict your future just by having a healthy body today. Medical emergencies, diseases and other types of illness can arrive at any time without even letting you be prepared for it. Though people surely have become more aware of the need of a healthy lifestyle and health insurance policies, some people do not want to invest in a high-value medical insurance plan as they do not want to bear the unnecessary financial burden. This is what needs to be changed in India.
Opting for cheaper facilities may work for your budget management, but will cause problems when you need the best quality medical assistance. By talking a high-value insurance cover for your health, you can overcome from financial burden while struggling with diseases like a tumour, cancer, stroke and much more. Whether you are taking it for your future or your entire family, getting a high-value insurance policy from SBI General Health Insurance is recommended by a lot of industry experts.
What Are High-Value Health Insurance Plans?
High-value health insurance plans are almost like a regular Health Insurance plan, but with a high sum assured levels which may lead up to Rs. 1 crore to Rs. 6 crores for any plan you choose. However, most of the people seek above the Rs. 2 lakh to 5 lakh coverage.
High-value covers are very great from a coverage point of view, but not everyone appears to opt for them. SBI high-value insurance plan has made sure that people of all ages and sector understand the value of going for high-value covers.
SBI General Health Insurance Overview:
Design for all types of customers, SBI General Health Insurance plans are preferred to get comprehensive health coverage and hassle-free procedures.
It is a joint venture between IAG and the State Bank of India in which SBI owns 74% of the profit. With over thousands of network hospitals across the nation, SBI General Health Insurance covers people of all ages with the most reasonable premium and high-value covers for cashless treatment, bonus features and so on.
Here are some reasons why you should go with SBI General's High-value health insurance plans:
- To get comprehensive coverage: With increasing charges of medical care treatments and routine check-ups for the critical illness, the need for having financial security is also important. Today, a small surgery can cost you lakhs till you get discharged from the hospital. Plain health insurance may not be able to protect you from such expenses. Thus, high-value plans from SBI health insurance with a high sum insured can be a great help to you and your family in times of medical emergencies.
- International treatment covers: If you are one of the frequent travellers overseas, then having a high-value health insurance can be a great financial help. Plus, healthcare expenses abroad are double than India, especially when you are travelling to European and American countries. It would be smarter to choose a plan that may cost you a bit higher but covers international cashless treatment facility along with all required coverage.
- A wide range of benefits: SBI General offers the benefits of high-value health plans which are designed to offer a wide range of features for you and your family. With a simple health policy, you may not get such amazing features as high-value policies tend to include many features along with the basic health coverage features. Features such as maternity expenses, domiciliary hospitalization, free health check-ups, OPD expenses and more are covered under all high-value health policies.
SBI Arogya Premium Policy is designed for individuals who do not want to compromise when it comes to medical care. With wide medical coverage, this offer features such as:
- No pre-medical tests required up to 55 years of age
- 142 days of care expense
- Ambulance allowance up to 1,00,000
- Maternity expenses covered
- Automatic sum insured reinstatement
- Coverage from 10,00,000 to 30,00,00
- Alternative treatment options covered
- Tax benefits under Sec 80D
Apart from the pre and post hospitalization, the policy covers expenses for:
Room rent, doctor's fee, intensive care unit. nursing expenses, Blood, oxygen, anaesthesia, surgical appliances, diagnostic expense and x-dray along with chemotherapy, radiotherapy, internal implants and any medical expense which is an integral part of an operation.
Before you get a high-value plan for hassle-free health care facilities, make sure you are ready to make a huge investment and read the exclusions carefully.
