The premium must be confirmed using the applicable official rate chart and the applicant’s details. A generic starting price has not been verified here.

What is the waiting period?

Waiting-period rules depend on the applicable policy wording. Check the current wording and schedule before purchase; the survival requirement is a separate condition.

SBI General Critical Illness Cover: Benefits & 13 Illnesses

Q: Is there a survival requirement?

The published prospectus states that the insured must survive at least 28 days after the first diagnosis or surgery, or the specific period stated in the applicable illness definition.

SBI General Critical Illness Cover Overview

SBI General Critical Illness Insurance Policy is a benefit-based policy designed to provide a fixed lump-sum payment when an insured person is diagnosed with a specified critical illness and meets the applicable claim conditions. The published prospectus lists 13 covered illnesses and a sum insured range of ₹2 lakh to ₹50 lakh. The payout is not calculated as reimbursement of actual medical bills. Eligibility, illness definitions, survival requirements, exclusions and other conditions are governed by the applicable policy wording and schedule.

Fixed-sum benefit for eligible diagnosis of 13 specified critical illnesses, subject to policy terms

Expert Review of SBI General Critical Illness Cover

This policy serves a different purpose from a standard hospitalisation reimbursement policy. Its key feature is a fixed benefit for an eligible critical illness claim, which can help with treatment-related and other financial needs. The 13 illnesses have specific medical definitions; a diagnosis alone may not establish claim eligibility. The prospectus requires the insured to survive at least 28 days after the first diagnosis or surgery, or the specific period stated in the applicable illness definition. Buyers should verify the currently applicable policy wording, waiting period, premium rate chart and eligibility before purchase.

Pros

A fixed lump-sum benefit can provide financial flexibility beyond reimbursement of medical bills.
The published prospectus lists 13 specified critical illnesses across cancer, cardiovascular, neurological and organ-related conditions.
The published prospectus describes sum insured options up to ₹50 lakh.

Cons

A claim is payable only when the diagnosis satisfies the policy definition for a listed illness.
The survival requirement may delay eligibility for the lump-sum benefit after diagnosis.
The actual premium must be checked against the applicable official rate chart and applicant details.

About SBI General (Insurer Profile)

SBI General

Key Insights

Founded

2009

SBI General was established 17 years ago and has built strong credibility over time, backed by its long-standing presence in the market.

Claims Experience

93.5% CSR, calculated as a 3-year average

SBI General settles 93.5% of all claims it receives.

Contact Details

1800 102 1111

Headquarters: 9th Floor, A & B Wing, Fulcrum Building, Sahar Road, Andheri (East), Mumbai - 400099, Maharashtra, India

SBI General Critical Illness Cover Features and Benefits

Fixed Lump-Sum Benefit

Pays the applicable insured benefit for an eligible covered critical illness claim.

Subject to the illness definition, survival requirement and all policy conditions.

13 Specified Illnesses

The published prospectus lists 13 critical illnesses, including specified cancer, heart conditions, stroke, kidney failure and organ transplant.

The full medical definitions in the applicable policy wording determine eligibility.

Sum Insured Options

The published prospectus describes sum insured options from ₹2 lakh to ₹50 lakh.

Available options must be confirmed for the currently offered policy.

First Heart Attack

First Heart Attack of Specified Severity is among the listed covered illnesses.

The policy definition and medical evidence requirements apply.

Cancer of Specified Severity

Cancer of Specified Severity is listed as a covered illness.

Not every cancer diagnosis necessarily meets the policy definition.

Stroke and Paralysis

Stroke resulting in permanent symptoms and permanent paralysis of limbs are listed illnesses.

The specified severity, permanence and other policy definitions apply.

Organ Transplant and Kidney Failure

Major Organ/Bone Marrow Transplant and Kidney Failure Requiring Regular Dialysis are listed illnesses.

Claim eligibility depends on the precise policy definitions and documentation.

What SBI General Critical Illness Cover Does Not Cover (Exclusions)

Conditions or treatments that the policy clearly says it will not cover.

A condition that does not satisfy the policy definition of a specified critical illness does not qualify for that illness benefit.
Claims that fail the applicable survival requirement are not payable under the relevant benefit.
Fraud, material misrepresentation or non-disclosure may affect policy validity and claim payment under the policy conditions.

Disclaimer: For illustration purposes only - exact terms are in the policy wording.

Specific Illness Waiting Period in SBI General Critical Illness Cover

The published SBI General Critical Illness Insurance Policy prospectus lists 13 illnesses: Cancer of Specified Severity, Open Chest CABG, Aorta Graft Surgery, Open Heart Replacement or Repair of Heart Valves, Stroke Resulting in Permanent Symptoms, First Heart Attack of Specified Severity, Kidney Failure Requiring Regular Dialysis, Primary Pulmonary Arterial Hypertension, Major Organ/Bone Marrow Transplant, Multiple Sclerosis with Persisting Symptoms, Coma of Specified Severity, Total Blindness and Permanent Paralysis of Limbs. Exact definitions in the policy wording apply.

Cancer of Specified Severity
Open Chest Coronary Artery Bypass Graft (CABG)
Aorta Graft Surgery
Open Heart Replacement or Repair of Heart Valves
Stroke Resulting in Permanent Symptoms
First Heart Attack of Specified Severity
Kidney Failure Requiring Regular Dialysis
Primary Pulmonary Arterial Hypertension
Major Organ/Bone Marrow Transplant
Multiple Sclerosis with Persisting Symptoms
Coma of Specified Severity
Total Blindness
Permanent Paralysis of Limbs

What's missing in SBI General Critical Illness Cover

The listed illnesses are not blanket coverage for every stage or form of cancer, heart disease or stroke.

This is a benefit-based critical illness policy; it should not be treated as comprehensive hospital-bill reimbursement.

The published prospectus alone does not establish the current premium or confirm that every historical option remains available for new purchase.

SBI General Critical Illness Cover FAQs

How many illnesses are covered?

The published prospectus lists 13 specified critical illnesses. Exact medical definitions in the applicable policy wording determine claim eligibility.

What is the sum insured?

The published prospectus describes sum insured options from ₹2 lakh to ₹50 lakh. Confirm current availability when obtaining a quote.

How does the payout work?

The policy provides a fixed benefit for an eligible covered diagnosis, subject to the policy wording. It is not calculated by reimbursing actual medical expenses.