SBI Life Group Criti9 Review


Health insurance is not an option but a necessity in the modern world. Treatment expenses are increased in each year. Moreover critical illness are unanticipated and it will spoil your harden money. With the help of health insurance, you can be prepared for any unanticipated diseases. Some insurance policies are very expensive. Policies not expensive are also available. It will suitable to take health insurance as early as possible.  We do not need big premiums for joining in early ages. There are both traditional and unit linked health insurance plans available in the market.  Traditional plans are free of risks. If you want to part of the economy, you need to select unit linked plan.

SBI Life Criti 9 is a smart health insurance plan by SBI Life Insurance Company. It is a traditional non participating health insurance plan.  9 different critical illnesses are listed in the document. If the policyholder is diagnosed by any of these illness, he will get the sum assured. Absence of long drawn process is an advantage of this plan. There are easy processes to have this plan. You can renew your plan until you have reached 65 years.

Critical illnesses covered in this plan


Heart attack


Coronary Artery Bypass Surgery

Kidney Failure


Multiple Sclerosis

Heart Valve Surgery

Plan is offered to different groups like employee employer relationship, credit of life groups and customers of a financial institution, bank etc. Minimum 50 members are necessary. Minimum entry age is 18 years and maximum entry age is 55 years. There are different ways to select the sum assured. Uniform of all members, multiple of salary or grade wise cover. Minimum sum assured is Rs 25000 and maximum sum assured is Rs 50000. Sum assured will be provided on the diagnosis of any of those illnesses mentioned in the policy document. Survival of a period of 30 days is a compulsory condition. Submission of necessary document is also required. Nomination will be compulsory. level of premiums has to be paid in advance for the cover term. Minimum cover term is 2 years and maximum cover term is 5 years. Grace period will be 30 days. Revival of the policy is possible within the first six months of the unpaid premium due. According to Section 80 C, Premium up to Rs 100000 can be deducted from the taxable income. According to section 10(10D), maturity and death benefit are tax free.

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