General Insurance

SBI General Critical Illness Insurance Policy

Eligibility Criteria

Minimum Entry Age 18 years of age
Maximum Entry Age 65 years of age


  • Coverage against 13 most critical illnesses
  • Sum insured available up to Rs. 50 lacs
  • 2 plan options - 1 year and 3 years
  • The insurance benefit is payable, only if the insured is alive for a period of more than or equal to 28 days from the date of the 1st diagnosis of the illness/medical event or undergoing illness related surgical procedure for 1st time.

Product Features

Sum Insured (in Rs.) Up to 50 lacs
13 Critical Illness covered
  • Cancer
  • Kidney failure (End stage renal failure)
  • Primary Pulmonary Arterial Hypertension
  • Multiple Sclerosis
  • Major organ transplant
  • Coronary artery by-pass grafts
  • Aorta Graft Surgery
  • Heart valve surgery
  • Stroke
  • Myocardial infarction (First heart attack)
  • Coma
  • Total blindness
  • Paralysis
Critical Illness, Medical Events and Surgical Procedures after 1st diagnosis 100% of Sum Insured
Second Opinion If an insured person is suffering from any of the above critical illness and he wish to get a second opinion of an expert/doctor company arranges a one during the lifetime of policy for them with no extra cost.


  • Any pre existing illness
  • Any diagnosis of diseases/ undergoing of surgery/ occurrence of event, whose signs or symptoms first occur within 90 days of Policy Period start date.
  • Expenses attributable to self inflicted injury (resulting from suicide, attempted suicide)
  • Expenses arising out of or attributable to alcohol or drug use/misuse/abuse
  • Medical expenses incurred for treatment of AIDS
  • Treatment arising from or traceable to pregnancy and childbirth, miscarriage, abortion and its consequences
  • Congenital disease