Divyanga Suraksha
24Cr+
Customers Served
16,625
Network Hospitals
98%*
Claims Settled FY 23-24
Why Divyanga Suraksha, SBI General Insurance?
We Care About Your Health!
A good health insurance plan can ensure your financial and healthcare needs are addressed. In order to help out people with disabilities, this policy is specially designed for persons with disability as per The Rights of Persons with Disabilities Act, 2016 and Individuals with HIV/AIDS as defined under the Human Immunodeficiency Virus and Acquired Immune Deficiency Syndrome (Prevention and Control) Act, 2017 to provide such people with some relief and relaxation in relation to their health insurance policies. Under this insurance plan, the insured gets coverage of up to Rs 5 lakh for medical treatment including both pre and post hospitalization expenses.
Who Can Buy This Policy?
Persons who have at least one of the disabilities as defined under Specified Disability under The Rights of Persons with Disabilities Act, 2016 with valid disability certificate are eligible to buy this policy.
What’s Covered Under Divyanga Suraksha Insurance?
Hospitalization Covers
- Inpatient Hospitalization Treatment (Room Rent and ICU)
- (Sublimit for Room Rent- 1% for Normal and 2% for ICU Hospitalization)
- Pre-hospitalization Medical – 30 days
- Post-hospitalization Medical- 60 Days
- Emergency Ground Ambulance Cover- Rs. 2000 per Hospitalization
- Modern Treatments/Advanced Procedures- 50% of Sum Insured
- AYUSH- 50% of Sum Insured
- Cataract Treatment- UptoRs.40,000/-, per each eye in one policy year
- Co- Pay- 20% on all claims unless waiver opted
Disclaimer: The terms and conditions of these covers are mentioned in the policy wordings of SBI General Divyanga Suraksha Policy. People are advised to go through the policy wordings carefully before buying the plan.
What’s Not Covered Under Divyanga Suraksha Insurance?
It is crucial to understand when you will not be covered under your Divyanga Suraksha insurance.
- Investigation & Evaluation (Code- Excl04)
- Rest Cure, rehabilitation, and respite care (Code- Excl05)
- Obesity/ Weight Control (Code- Excl06).
- Expenses for cosmetic or plastic surgery or any treatment to change appearance unless for reconstruction following an Accident, Burn(s) or Cancer or as part of medically necessary treatment to remove a direct and immediate health risk to the insured.
- Expenses related to any treatment necessitated due to participation as a professional in hazardous or adventure sports, including but not limited to, para-jumping, rock climbing, mountaineering, rafting, motor racing, horse racing or scuba diving, hand gliding, sky diving, deep-sea diving.
- Expenses incurred towards treatment in any hospital or by any Medical Practitioner or any other provider specifically excluded by the Insurer and disclosed in its website / notified to the policyholders are not admissible.
- Treatment for, Alcoholism, drug or substance abuse or any addictive condition and consequences thereof.
- Treatments received in heath hydros, nature cure clinics, spas or similar establishments or private beds registered as a nursing home attached to such establishments or where admission is arranged wholly or partly for domestic reasons.
- Dietary supplements and substances that can be purchased without prescription, including but not limited to Vitamins, minerals and organic substances unless prescribed by a medical practitioner as part of hospitalization claim or day care procedure.
Disclaimer: The above list of exclusions is illustrative and not exhaustive. For a full list of the exclusions, please refer to policy wordings.
FAQs about Divyanga Suraksha, SBI General Insurance
As per IRDA Circular no. IRDAI/HLT/CIR/MISC/58/2/2023, dated:27.02.2023, subject Product for Persons with Disabilities (PWD), Persons afflicted with HIV/AIDS, and those with Mental Illness.
Disability for the purpose of this policy means a person with 40% or more disability as certified by the Medical Board appointed by the Government for certifying Disability. The list of disabilities as defined under Specified Disability under The Rights of Persons with Disabilities Act, 2016 is not static and can be revised based on Government regulation.
No, only 30 days waiting period is applicable for all HIV claims.
Disability waiting period of 2 years is applicable for treatment or hospitalization related with that existing disability only. Other hospitalization will be covered after 30 days subject to terms and conditions of the product.
Under this product, insured cannot take more than one policy from any or all insurers. The maximum liability of all policies put together from all insurers cannot exceed the maximum sum insured under this product.
Product Name : Divyanga Suraksha, SBI General Insurance
UIN
SBIHLIP23191V012223
DISCLAIMER:
The above information is indicative in nature, for more details on complete coverage and terms and conditions, please contact our nearest office and also read the policy document and sales brochure carefully before concluding a sale.
SBI General Insurance and SBI are separate legal entities and SBI is working as Corporate Agent of the company for sourcing of insurance products.
Number of network hospitals would differ based on the TPA servicing your policy.
*T&C Apply
Policy Documents
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