Name

SBT UNI SURAKSHA

Type of

Account

A Group Personal Accident Insurance cover for the

Savings Bank account holders of our Bank, including NRE SB account holders.

Persons eligible

All existing as well as new SB account holders of our Bank, including NRIs.  

Age Group

Minimum – 10 years

Maximum – 79 years (both completed years)

Sum insured

Rs.5.00 lakhs (Rupees Five lakhs only).

Period of

Insurance

One year from the day following the date of debit of the premium to the account of the insured.

Risks to be

covered

Death or permanent disablement on account of an

accident, as detailed below are covered.

i)                    Death.

ii)                  Permanent total disability.

iii)                Total & irrecoverable loss of sight of both eyes.

iv)                Total & irrecoverable Loss of either both hands or both feet.

v)                  Total & irrecoverable Loss of one hand and one foot.

vi)                Total & irrecoverable Loss of one eye and one hand.

vii)              Total & irrecoverable Loss of one eye and one foot.

viii)            Total & irrecoverable Loss of one eye or loss of use of

           one hand or one foot. 

On the eventuality of any of the incidents indicated under item Nos. (i) to (vii) occurring, 100% of the sum assured will be paid by UIICL. In the case of the incidents under item no. (viii) occurring, 50% of the sum assured will be paid. No other disability / injury, other than the ones detailed above, would be covered.

Additional benefits

i)                    Actual ambulance charges, subject to a maximum of Rs.2,500/-   (Rupees Two thousand five hundred only) if the claim is payable.

                                           OR

ii)                  The expenses for carriage of dead body, subject to a maximum of Rs.2,500/- (Rupees Two thousand five hundred only) if the claim is payable.

Risk start

date

The day following the date of debit of premium to the SB account of the account holder.

Scope of

cover

It would be a 24 hours, worldwide cover. The scheme would cover the death and permanent total disablement of the injured person, arising solely from an accident caused by an external visible means. Although it is a worldwide cover, all claims will be paid only in Indian Rupees

Cover in the case of joint accounts

In the case of Joint accounts, if only one cover is taken, paying only one premium, the primary account holder alone will be covered. But if both / all the account holders join the scheme by paying premium separately, all of them will be individually covered for the full sum assured.

Persons with more than one account           

In case a person is having more than one account and multiple cover is also taken, only the first insurance shall be a valid one and all the remaining insurances shall be deemed as null and void.

Premium

The premium will be Rs.50/- (Rupees Fifty only) per person per annum for the cover of Rs.5.00 lakhs. The premium is only just 0.01% of the sum assured. 

Renewal of

Insurance

There will be no automatic renewal of the insurance cover. A fresh Consent-cum-Authority letter will have to be submitted at the branch and the then ruling premium would be debited and passed on to UIICL.  This will be treated as a fresh insurance cover.

SBT UNI HEALTH

SBT NRI HEALTH CARE

Target Group

Resident Indians

Non-Resident Indians

Basic feature and who is eligible?

A unique health insurance and personal accident insurance scheme for an entire family (insured, spouse, two children and parents) available for all domestic account holders of State Bank of Travancore.

This is a special package Health Insurance cover plus Personal Accident insurance cover designed exclusively for NRE account holder of State Bank of Travancore.

Age limit

The minimum age of entry is 18 years and the upper age limit is fixed at 80 years.  Dependent children in the age group of 3 months to 21 years are eligible for coverage under this scheme.

The minimum age of entry is 18 years and the upper age limit is fixed at 80 years.  Dependent children in the age group of 3 months to 21 years are eligible for coverage under this scheme.

How does one take a policy?

Get in touch with the Manager of the branch of SBT where your account is maintained. The proposal forms are to be submitted at the branch and the branch will debit the premium from your account and remit it to United India Insurance Co. Ltd.  The branch would submit the forms to United India and arrange for the insurance cover.

Get in touch with the Manager of the branch of SBT where your account is maintained. The proposal forms are to be submitted at the branch and the branch will debit the premium from your NRE account and remit it to United India Insurance Co. Ltd.  The branch would submit the forms to United India and arrange for the insurance cover.

What is the coverage under the package?

The policy covers reimbursement of hospitalization due to diseases or accidental injury.  The policy covers expenses for room / boarding / nursing expenses / Doctor/surgeon fees and charges / anesthesia / blood and oxygen and others. Also covers pre-hospitalisation expenses upto 30 days prior to hospitalisation and post hospitalisation expenses upto 30 days.  Minimum hospitalisation 24 hours.

The Package covers personal accident insurance to the NRI Death, Permanent Total disability (PTD), repatriation expense of dead body (all arising out of accident) and Hospitalisation expenses for NRI, spouse and 2 children in India only. Admissible for treatment in India only, but provide compensation for accidents occurring any where in the world.  All payments in Indian currency only.

Sum Assured

Minimum Rs.1.00 lakh, thereafter in multiples of Rs.50,000/- .

Maximum - Rs.5.00 lakhs

Option A - Rs.2.00 lakhs 

Option B – Rs.5.00 lakhs

Option C – Rs.10.00 lakhs

Nomination

Available

Available

Extension  of cover to parents

Mediclaim cover available to parents also. But the Personal Accident cover does not extend to cover parents. 

Parents are not covered.

Duration of cover

The policy would commence when the premium is received at the officer of United India Insurance Co. Ltd. and would last for one year.

The policy would commence when the premium is received at the office of United India Insurance Co. Ltd. and would last for one year. 

Third Party Administrator

(TPA)

M/s. TTK – who would manage the claim on behalf of the Insurer.  They would provide cash-less medical treatment facility at specified hospitals. The details of the hospitals will be provided by the TPA.

M/s. TTK – who would manage the claim on behalf of the Insurer.  They provide cash-less medical treatment facility at specified hospitals and the details will be provided by the TPA.

PREMIUM CHART : SBT UNI – HEALTH

(Inclusive of service tax @12.36%)

Sum Insured

Plan A

(3 months to 45 years)

Plan B

(3 months to 65 yr\ears)

Plan C

(3 months to 80 years)

Premium in Rupees

Premium in Rupees

Premium in Rupees

Rs.1.00 lakh

1366

2516

5336

Rs.1.50 lakh

1836

3675

7920

Rs.2.00 lakh

2343

4754

10369

Rs.2.50 lakh

2794

5753

12689

Rs.3.00 lakh

3186

6748

14988

Rs.3.50 lakh

3650

7664

Rs.4.00 lakh

4049

8580

Rs.4.50 lakh

4449

9496

Rs.5.00 lakh

6163

10412

PREMIUM CHART : SBT NRI HEALTH CARE

(Inclusive of Service Tax 12.36%)

                                                                                                                 (Amount in Rupees)

Cover

         Option - A

       Option - B

        Option - C

Age of insured

Up to 45 yrs.

Up to

65 yrs.

Up to 80 yrs.

Up to 45 yrs.

Up to 65 yrs.

Up to

 80 yrs.

Up to 45 yrs.

Up to 65 yrs.

Up to

 80 yrs.

Premium for annual cover - inclusive of tax

1,417

2,563

5,383

2,502

4,896

10,511

3,554

7,132

15,372

Personal Accident cover to NRI (Death & Permanent Total Disablement)

2,00,000

5,00,000

10,00,000

Repatriation expenses due to death

25,000

50,000

1,00,000

Hospitalisation expense benefit for NRI, spouse and two children

1,00,000

2,00,000

3,00,000

Optional cover- Medical Evacuation

Premium Rs.100/-  for a sum Insured of Rs.10,000/-

(Payable in addition to the normal premium indicated above)