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Personal Information
Your details are pre-filled from HR records. Click ✏️ to edit if any information needs updating.
Your enrollment has been submitted successfully. You can view your dependents but cannot add, edit, or remove them. To request changes, please contact your HR department or write to support@vigyati.in.
Manage Dependents
Add family members to your health insurance. Coverage is Family Floater — 1+5 Family Floater (Self + Spouse + Children + Parents or In-Laws) as per SBI General policy terms.
Family Definition: Employee + Spouse + Children (from up to 2 pregnancies) + 2 Dependent Parents or In-Laws Spouse: 1 (opposite gender to self) | Children: from up to 2 pregnancies (age below 25 as on 30 May 2026) | Parents / In-Laws: 2 (age ≤ 80 as on 30 May 2026)
📌 Please Note:
• Children: Up to 2 successful pregnancies can be covered. If a pregnancy results in twins or triplets, all children from that pregnancy are covered (e.g., 2 pregnancies resulting in 2 triplets = 6 children covered). Child must be below 25 years as on 30th May 2026. Anyone older by even 1 day will not be considered.
• Parents / In-Laws: You may add either Parents or Parents-in-law — not both. You cannot have one Parent and one Parent-in-law. If the first parent is Male, the second must be Female, and vice versa. Parent must be aged 80 years or below as on 30th May 2026. Anyone older by even 1 day will not be considered.
• Spouse: If you (employee) are Male, spouse must be Female, and vice versa. Only 1 spouse allowed.
• Total family members including self cannot exceed the 1+5 floater limit.
Your enrollment has been submitted. Below are your coverage details for reference. For any queries, contact your HR department or support@vigyati.in.
Coverage Details
Your group health insurance plan underwritten by SBI General — 1+5 Family Floater.
Your Sum Insured
—
SBI General | 1+5 Family Floater
Room Rent (Normal)
—
Room Rent (ICU)
—
Co-Pay (Parental)
10%
Room Rent Limits by Sum Insured
Sum Insured
Normal Room
ICU
₹2 Lakhs
₹3,000/day
₹5,000/day
₹3 Lakhs
₹5,000/day
₹8,000/day
₹5 Lakhs
₹10,000/day
₹15,000/day
₹10 Lakhs
₹20,000/day
₹40,000/day
Proportionate Deduction Rule: Standard
What's Covered
🏥
In-Patient Hospitalization
Complete in-patient hospitalization covered up to the sum insured on a family floater basis.
Covered up to SI
💊
Pre-Existing Diseases
All pre-existing diseases covered from Day 1. No waiting period.
Day 1 Cover
⏳
Waiting Periods Waived
30-day waiting period waived. 1st / 2nd / 4th year exclusions waived for all conditions.
Waived
📋
Pre & Post Hospitalization
Pre-hospitalization expenses covered for 30 days and post-hospitalization for 60 days.
30 + 60 Days
🏨
Day Care Procedures
Day care procedures not requiring 24-hour hospitalization are fully covered up to SI.
Covered up to SI
🏠
Domiciliary Hospitalization
Treatment at home when hospitalization is medically necessary but not possible, covered up to SI.
Covered up to SI
👶
New Born Baby Cover
New born baby covered from Day 1 within the family sum insured.
Day 1 Cover
🌿
AYUSH Treatment
Ayurveda, Yoga, Unani, Siddha, and Homeopathy treatments covered up to SI.
Covered up to SI
🧒
Internal Congenital Diseases
Internal congenital conditions are covered under the policy.
Covered
👁️
External Congenital (Life-Threat)
External congenital diseases covered when life-threatening.
Covered
🧠
Mental Illness / Psychiatric
Mental illness and psychiatric treatment covered under the policy terms.
Covered
👁️🗨️
Cataract
Cataract surgery covered with no sub-limit.
No Sub-Limit
🏥
Bariatric Surgery
Bariatric surgery covered when life-threatening condition exists.
Covered
🔬
Modern Treatments
Robotic surgeries, oral chemotherapy, immunotherapy, and other modern treatments covered up to SI.
Covered up to SI
💉
Oral Chemotherapy
Oral chemotherapy treatment fully covered under the policy.
Covered
🧬
Stem Cell (Haematological)
Hematopoietic stem cell therapy for haematological conditions covered.
Covered
👂
Cochlear Implant
Cochlear implant procedures covered up to the full sum insured.
Up to Full SI
🫀
Organ Donor Expenses
Organ donor related expenses covered under the policy.
Covered
💊
Consumables (IRDAI List)
Consumables as per IRDAI approved list are covered during hospitalization.
Covered
🚑
Emergency Ambulance
Emergency ambulance charges covered up to ₹2,000 per incidence.
₹2,000/incidence
Sub-Limits & Co-Pay
Co-Pay (Parental Claims):10%
Co-Pay (Other Claims):Nil
Disease-wise Sub-Limits: None
Proportionate Deduction: Standard
Key Exclusions
Maternity
Maternity benefits including normal delivery, C-section, and related expenses are not covered under this policy.
OPD Benefit
Out-Patient Department (OPD) consultations, investigations, and treatments not requiring hospitalization are not covered, except where specifically mentioned under other benefits.
Evaluation / Diagnostic Hospitalization Only
Hospitalization solely for evaluation or diagnostic purposes without an active line of treatment is excluded.
Cosmetic / Aesthetic Procedures
Treatments solely for cosmetic or aesthetic purposes are not covered unless medically necessary.
Note: The above is not an exhaustive list of exclusions. For a complete list of exclusions, sub-limits, and policy terms, please refer to the policy document or contact your Vigyati Representative.
⚠ Important Disclaimer
The above list of coverages and exclusions is indicative and not exhaustive. For a complete understanding of policy terms, conditions, inclusions, exclusions, and sub-limits, please reach out to your Vigyati Representative or contact us at support@vigyati.in / +91 88280 70497.
Your enrollment was submitted successfully. This is a read-only summary of your submitted enrollment. To request any changes, please contact your HR department or write to support@vigyati.in.
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