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Critical Illness Insurance

Life is beautiful. Especially when all your worries are taken care of! Your health and safeguarding it, is one such worry, where health insurance can offset your concerns. When the financial needs are taken care of, especially during a critical Illness, you can focus on getting back on your feet at the earliest. Read More

SBI General's Critical Illness Insurance Policy. Offering you financial protection from 13 important critical illnesses, this policy offers a fixed sum, irrespective of your actual medical expenses. Enabling you to stay financially secure and focus on the most important thing—health.Read Less


Plan Variant

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    Critical Illness Insurance

    Protection from 13 Critical Illnesses

    • Cancer
    • End-Stage Kidney Failure
    • Primary Pulmonary Arterial Hypertension
    • Multiple Sclerosis
    • Major Organ Transplant
    • Coronary artery bypass grafts (with surgery to divide the breastbone)
    • Aorta Graft Surgery
    • Heart Valve Surgery
    • Stroke
    • Myocardial Infarction (First Heart Attack)
    • Coma
    • Total Blindness
    • Paralysis



  • The Critical Illness Insurance Policy can be bought by any permanent Indian resident aged between 18 to 65 years


  • Initial waiting period: 90 days for all illnesses (not applicable on continuous renewal)
  • Benefits will not be available for any Pre- Existing Diseases or related condition(s)
  • Insurer shall not be liable to make any payment for any Insured Event during the Waiting Period as defined under the Policy
  • Any diseases causing the death of the Insured within the stipulated Survival Period, measured from the date of incidence of the illness
  • Any medical procedure or treatment, which is not medically necessary or not performed by a Medical Practitioner
  • Any congenital Illness/Conditions.
  • Any Covered Critical Illness arising from Birth control procedures and/or hormone replacement therapy and any complications arising thereof from
  • Any treatment/surgery for change of sex or any cosmetic surgery or treatment/surgery /complications/illness arising as a consequence thereof
  • Any Covered Critical Illness arising from Treatment by a family member and self-medication or any treatment that is NOT scientifically recognized and any complications arising thereof / there from
  • Any Covered Critical Illness arising from Treatment with alternative medicines like Ayurvedic, Homeopathy & Unani, acupuncture, acupressure, osteopath, naturopathy, chiropractic, reflexology, aromatherapy and like and any complications arising thereof / there from
  • Attempted suicide (whether sane or insane) or intentionally self inflicted Injury or Illness.
  • Attempted suicide (whether sane or insane) or intentionally self inflicted Injury or Illness.


For transaction on Mobile App– no documentation

For transaction on net banking – no documentation

For paper based transactions –

  • Health Insurance Proposal form
  • KYC Documents :ID Proof & address proof(PAN & Aadhaar)

Bajaj Allianz life Smart Protect Goal


1Tax deductions under Section 80D is as per applicable provision of the Act (including any amendments thereto) and are subject to changes in the tax laws.

The information must be read in conjunction with the product brochure and policy document. In case of any conflict between the Customer Information Sheet and the policy document the terms and conditions mentioned in the policy document shall prevailRead More

SBI General Insurance Company Limited I Corporate & Registered Office: 'Natraj', 301, Junction of Western Express Highway & Andheri - Kurla Road, Andheri (East), Mumbai - 400 069. | For more details on risk factors, terms and conditions, please refer to the Sales Brochure and Policy Wordings carefully before concluding a sale. 'For SBI General Insurance Company Limited IRDAI Reg. No. 144 dated 15/12/2009 | CIN: U66000MH2009PLC190546 | SBI Logo displayed belongs to State Bank of India and used by SBI General Insurance Co. Ltd. under license. Website: www.sbigeneral.in Toll free: 18001021111 Critical Illness Insurance Policy. UIN - SBIHLIP11004V011011Read Less


Why do I need Critical illness health insurance?

The cost of treatment for critical and life-threatening illnesses can be overwhelming. The estimated expense itself dissuades many from seeking the right treatment. A critical illness policy helps you get the best treatment for your illness without having to worry about the expenses involved. So you can get better and get back to your loved ones faster.


What is the coverage amount?

The sum insured can range from Rs 2 lakh to Rs 50 lakh.


What is the policy tenure?

Policy duration can be 1 or 3 years.

What is the age limit for this policy?

The entry age is from 18 months to 65 years. 

How many critical illnesses can I claim?

You can claim for 1 critical illness during the policy tenure.

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