Yes, depending on the Incurred Claims Ratio (ICR) of SBI General, a premium loading ranging from 20% to 160% of the premium might be levied.
SBI Group Health Insurance Plan allows coverage for a member’s spouse, dependent children, siblings, dependent parents, and dependent parents-in-law. A maximum of 6 members can be covered.
The room rent sub-limit is 1% of the sum insured up to a maximum of Rs.1,500/day. In the case of ICU admission, the limit is increased to 2% of the sum insured, up to a maximum of Rs.2,500/day.
Domiciliary hospitalization means getting hospitalized at your home. This type of hospitalization is covered if your condition is too critical to be moved to a hospital or if there is no vacancy at a hospital. SBI Group Health Insurance Plan covers such domiciliary hospitalizations, up to 20% of the sum insured, subject to a maximum coverage limit of Rs.20,000.
SBI Group Health Insurance Plan does not have inbuilt coverage for Ayurvedic or homeopathic treatments. However, there is an add-on that allows such coverage. You can avail of the coverage by choosing the add-on and paying an additional premium for the same.