SBI Health Insurance truly reflects the legacy & trust of the brand 'SBI' among Indian policyholders. They offer expertly curated health plans for individuals, families & senior citizens. With great customer support, over 6000 networking hospitals, efficient claim support and others, SBI Health Insurance promises you the best health protection!
In the year 2009, your own bank, State Bank of India collaborated with the Insurance Australia Group (IAG) and created SBI Health Insurance in the health segment. SBI General is one of the fastest growing private general insurance companies having SBI as the parent company. They carry forward the legacy of trust and security and envision becoming the most trusted general insurer for transforming India. As a health care insurance provider, they have served over 34 crore customers till now.
What does SBI General Insurance Do?
SBI Health Insurance is the health segment that belongs to the SBI General Insurance Company. They offer several health insurance plans that come with complete health coverage to individuals, senior citizens, and families. You can make payments in the premiums and claim the amount in case of any emergency.
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Some Interesting Facts About SBI Health Insurance Company
SBI General Insurance has some multi-distribution models like bancassurance, agency, broking, retail direct channels, and digital tie-ups.
They value transparency, empathy, and agility.
Their claim settlement ratio is 95.04%.
There are add-on covers available under several health insurance plans for enhanced coverage.
Their claim settlement process is superfast and they have settled more than Rs 110 billion claims till now.
Some of the Awards and Achievements of SBI Health Insurance Company
Customer Experience Innovator Company of the Year.
Best Claim Settlement in Non-Life Category at Insurance Next Awards.
Asia's Best General Insurance Company for rural presence.
Ranked Number 1 under General Insurance by YouGov Finance Purchase Rankings.
Insurer of the year in Non-Life Category by FICCI Insurance.
Customer experience innovator Company of the Year.
Recognized for CSR Project with Learning Space Foundation.
All you need to know about SBI Health Insurance? Find complete details in one go!
SBI is a reputed people's company in India. The company introduced several health insurance coverage plans to convey the importance of health to the common people. They offer some types of health insurance plans. These are-
Indemnity Health Insurance Plans- In this type of health insurance plan, the company will pay the actual hospital bills up to the total policy sum insured amount. The insurer will pay the rest of the amount.
Definite Benefit Plans- This type of plan gives the insured a pre-decided lump sum amount when they are diagnosed with the illness covered under the policy.
Individual & Family Floater Health Insurance Plans
A comprehensive health insurance plan that offers a 15% increase in cumulative bonus for every claim-free year and comes with 8 optional coverage options.
A standard health insurance plan that comes with a coverage of 10 Lakhs. Moreover, the plan comes with a 5% Co-pay, applicable on all the admissible claims.
Unique Features
Advanced Procedures covered
Lifelong renewals
Cumulative Bonus of 5%
SBI Arogya Sanjeevani (Pros)
Road Ambulance
High SI
AYUSH Cover
Room Rent
Pre & Post Hospitalization
SBI Arogya Sanjeevani (Cons)
Cosmetic Treatment
Injury Due To Illegal Activity
Injury Due To Hazardous Activities
Adventure Sport Injuries
Unlawful Activities
SBI Arogya Sanjeevani (Other Benefits)
Family Floater
Tax Benefits
Affordable Premiums
Medicine Cover
Cataract Cover
SBI Arogya Sanjeevani (Eligibility Criteria)
Entry Age - 3 Months
Max Entry Age - 65 Years
SI - 50k to 10L
Waiting Period - 30 Days
Affordable Plan
SBI Retail Health Insurance Policy
A family floater plan for metro and non-metro cities offering wide coverage of INR 5 Lakhs. No pre-policy medical check-up is required to avail of this policy.
An all-inclusive insurance cover to cater to your health & fitness needs. It is an individual and family floater policy with 7 optional covers to select from.
This plan is designed to provide healthcare coverage to individuals with disabilities and HIV/AIDS offering a sum insured of INR 4 and 5 Lakhs.
Unique Features
In-Patient Hospitalization
Tax Benefits
SI Upto 5 L
Divyanga Suraksha (Pros)
AYUSH Cover
Room Rent Cover
ICU Cover
Ambulance Cover
Cataract Cover
Divyanga Suraksha (Cons)
Cosmetic Treatment
Injury Due To Illegal Activity
Injury Due To Hazardous Activities
Adventure Sport Injuries
Unlawful Activities
Divyanga Suraksha (Other Benefits)
Modern Treatment
Pre-hospitalization
Post-hospitalization
HIV/AIDS Cover
Disability Cover
Divyanga Suraksha (Eligibility Criteria)
Entry Age - 18 Years
Max Entry Age - 65 Years
SI - 4 L to 7 5 L
Waiting Period - 30 Days
Corona Kavach
SBI Corona Kavach Policy
A standard corona-specific health cover that protects you from COVID-19. The plan covers room rent, ICU expenses, and home care expenses for up to 14 days.
Unique Benefits
Tax Benefits
No Medical check-up
New Born Cover
Corona Kavach Policy (Pros)
Room Rent Cover
ICU Cover
Doctor Fee Cover
Ambulance Cover
Nursing Expense Cover
Corona Kavach Policy (Cons)
Cosmetic Treatment
Injury Due To Illegal Activity
Injury Due To Hazardous Activities
Adventure Sport Injuries
Unlawful Activities
Corona Kavach Policy (Other Benefits)
Medicine Charges
Pre & Post Hospitalization Cover
Hospital Daily Cash
Affordable Premiums
SI Up to 5 L
Corona Kavach Policy (Eligibility Criteria)
Entry Age - 1 Day
Max Entry Age - 65 Years
SI - 50k to 5 L
Waiting Period - 30 Days
Corona Rakshak
SBI Corona Rakshak Policy
The plan offers a lump sum benefit equal to 100% of the sum insured on the diagnosis of COVID-19.
SBI Personal Accident plan provides protection against accidental death, loss of life, and disabilities, it offers a cumulative bonus along with add-ons for ambulance charges.
Unique Benefits
Tax Benefits
No Pre-policy check-up
Affordable Premiums
Individual Personal Accident (Pros)
Loss of Life Cover
Disabilities Cover
Loss of Income Cover
Permanent Total Disability
Education Benefit
Individual Personal Accident (Cons)
Cosmetic Treatment
Injury Due To Illegal Activity
Injury Due To Hazardous Activities
Adventure Sport Injuries
Unlawful Activities
Individual Personal Accident (Other Benefits)
Add-on Covers
Temporary Total Disability
Permanent Total Disability
Permanent Partial Disability
Accidental Death
Individual Personal Accident (Eligibility Criteria)
The plan offers coverage against 13 critical illnesses & financial support irrespective of the actual medical expenses, & comes with two policy tenures enabling customization.
Unique Features
Entry Age upto 65 years
Free-look period of 15 days
Coverage of up to 10 Lakh
Critical Illness Plan (Pros)
Covers 13 CI
Cancer Care
Kidney Failure
Organ Transplant
Stroke
Critical Illness Plan (Cons)
Cosmetic Treatment
Injury Due To Illegal Activity
Injury Due To Hazardous Activities
Adventure Sport Injuries
Unlawful Activities
Critical Illness Plan (Other Benefits)
High SI
Paralysis
Coma
2 Plan variants
Blindness Cover
Critical Illness Plan (Eligibility Criteria)
Entry Age - 18 Years
Max Entry Age - 65 Years
SI - 3 L to 10 L
Waiting Period - 30 Days
Hospital Daily Cash
SBI Hospital Daily Cash Insurance Policy
The policy provides a fixed amount to the claimant for each day of hospitalization and expenses like traveling, food, and much more.
SBI Loan Insurance policy helps you to repay your outstanding loan in case you are a victim of any of the listed 13 critical illnesses/accidental death/unemployment.
This plan is available for individuals and families, wherein the plan will take care of medical expenses with affordable premium rates.
Unique Features
Tax Benefits
Wide Coverage
Room Rent Covered
Group Health Policy (Pros)
Medical Practitioners Available
Specialist Fees Cover
Daycare Expenses
Domiciliary Hospitalization
Pre & Post Hospitalization
Group Health Policy (Cons)
Cosmetic Treatment
Injury Due To Illegal Activity
Injury Due To Hazardous Activities
Adventure Sport Injuries
Unlawful Activities
Group Health Policy (Other Benefits)
Individual Cover
Family Cover
High SI
Policy Renewal opted
Ambulance Cover
Group Health Policy (Eligibility Criteria)
Entry Age - 18 Years
Max Entry Age - 65 Years
SI - 1 - 5 L
Waiting Period - 30 Days
Saral Suraksha
SBI Saral Suraksha Bima
Designed for individuals between the ages of 18 to 70 years, the plan offers coverage for accidental death, permanent, total, and permanent partial disability.
Unique Benefits
Tax Benefits
Education Grant
Affordable Premiums
Saral Suraksha Bima (Pros)
Loss of Life
Affordable Premiums
Temporary Total Disablement
Hospitalization Expenses
Up to 5% Cumulative Bonus
Saral Suraksha Bima (Cons)
Cosmetic Treatment
Injury Due To Illegal Activity
Injury Due To Hazardous Activities
Adventure Sport Injuries
Unlawful Activities
Saral Suraksha Bima (Other Benefits)
Up to 1 Crore SI
Accidental Death Cover
Individual and Family Floater
1-Year Policy Term
Multiple Discounts
Saral Suraksha Bima (Eligibility Criteria)
Entry Age - 18 Years
Max Entry Age - 70 Years
SI -2.5 L - 1 Crore
Waiting Period - 30 Days
Saral Suraksha
SBI Travel Insurance (B & H)
The plan is designed uniquely for providing travel support, loss of passport, round-the-clock assistance, and many more benefits.
Unique Benefits
Tax Benefits
Wide Coverage
Affordable Premiums
Travel Insurance (B & H) (Pros)
Quick Payout Process
Global Coverage
24/7 Emergency Assistance
Multi Trip Insurance
Single Trip Insurance
Travel Insurance (B & H) (Cons)
Cosmetic Treatment
Injury Due To Illegal Activity
Injury Due To Hazardous Activities
Adventure Sport Injuries
Unlawful Activities
Travel Insurance (B & H) (Other Benefits)
Loss of Passport
Trip delays
Home Burglary
Covers Personal Liability
Travel Support
Travel Insurance (B & H) (Eligibility Criteria)
Entry Age - 6 Months
Max Entry Age - 70 Years
SI - $ 5,00,000
Waiting Period - 30 Days
Saral Suraksha
SBI Arogya Shield
A combination plan wherein you can secure both health and life, providing comprehensive coverage for medical emergencies and an assured life cover
Unique Benefits
Tax Benefits
Dual Protection
Affordable Premiums
SBI Arogya Shield (Pros)
Cashless Claims
141 Daycare Procedures
High SI
Health Cover
Life Cover
SBI Arogya Shield (Cons)
Cosmetic Treatment
Injury Due To Illegal Activity
Injury Due To Hazardous Activities
Adventure Sport Injuries
Unlawful Activities
SBI Arogya Shield (Other Benefits)
Pre Hospitalization
Post Hospitalization
Domiciliary Hospitalization
Outpatient Treatment
Alternative Treatment
SBI Arogya Shield (Eligibility Criteria)
Entry Age - 91 Days
Max Entry Age - 65 Years
SI - 1 - 3 L
Waiting Period - 30 Days
Group Personal Accident
SBI Group Personal Accident Policy
A versatile Group accident plan covering accidental death, ambulance cover, child education cover, adaptation allowance, and more.
Unique Features
Loss of Life Cover
Permanent Total Disability
Child Education Cover
Group Personal Accident Policy (Pros)
Accidental Death
Permanent Total Disability Cover
Ambulance Cover
Funeral Expenses Cover
Repatriation Cover
Group Personal Accident Policy (Cons)
Cosmetic Treatment
Injury Due To Illegal Activity
Injury Due To Hazardous Activities
Adventure Sport Injuries
Unlawful Activities
Group Personal Accident Policy (Other Benefits)
Temporary Total Disability Cover
Temporary Partial Disability Cover
High SI
Tax Benefits
Affordable Premiums
Group Personal Accident Policy (Eligibility Criteria)
Entry Age - N/A
Max Entry Age - N/A
SI - 2 L - 20 L
Waiting Period - 30 Days
Group Loan Policy
SBI Group Loan Insurance Policy
A unique health insurance policy that can be availed for 5 years, covers 15 critical illnesses, accidental death, accidental hospitalization, and more.
Unique Features
Long Term Policy
Personal Accident Cover
Critical Illness Benefit
Group Loan Policy (Pros)
Permanent Total Disability
Loss of Limbs Cover
Loss of Sight Cover
Speech Loss Cover
Hearing Loss Cover
Group Loan Policy (Cons)
Cosmetic Treatment
Injury Due To Illegal Activity
Injury Due To Hazardous Activities
Adventure Sport Injuries
Unlawful Activities
Group Loan Policy (Other Benefits)
Cancer Cover
Coma Expenses Cover
Kidney Failure Cover
Blindness Cover
Accidental Hospitalization Cover
Group Loan Policy (Eligibility Criteria)
Entry Age - 18 Years
Max Entry Age - 65 Years
SI - 1 L - 10 L
Waiting Period - 30 Days
Why Choose SBI Health Insurance Plans?
SBI health insurance company is famous for creating products that are flexible enough to meet the requirements of their customers. There are a number of benefits to choosing SBI Insurance as your health insurance partner. Read below to know more-
A wide net of network hospitals
SBI health insurance has more than 6,000 network hospitals throughout the country. The company aims to provide first-class and easily available medical services to its customers.
Huge operating network
The most effective way to keep the customers satisfied is by enabling them to reach you easily and with fewer hurdles. SBI as an insurance provider has one of the most dense operating networks in the country. The company runs 24700+ branch offices, agents banks, digital partners, and more.
A variety of products and services
SBI general health insurance doesn't take a laid-back approach when it comes to offering insurance solutions. The range of products offered by the company includes plans ranging from individual, family floater, top-up, and critical illness, to hospital daily cash and even loan insurance policies.
Tax savings
SBI health insurance plans let their customers enjoy tax savings under section 80D of The Income Tax Act, 1961.
Plan variants
Almost all SBI General Health Insurance plans come with customizable options and multiple sum insured amounts. This gives the policyholder a chance to buy the policy he likes within his economic limits.
Direct Purchase
You can directly purchase the health insurance policy from the bank if you have an account in the bank. In this way, your premiums will be lower compared to if you purchase the policy from outside.
24x7 Customer Support
SBI Health Insurance Policy comes with an efficient customer support system provided by the insurer. Individuals can avail of claim support, and resolve queries related to their policy at any given point.
Additional Covers
Multiple plans provided by SBI general health insurance have additional covers such as critical illness coverage, daily hospital cash cover, accident care cover, global treatment cover, and more. Individuals can avail of these optional covers at an additional premium charge.
Customizable Plans
SBI medical insurance is a highly customizable plan that allows individuals to select base cover and value-added benefits as per their requirements.
Efficient Claim Support
SBI medical insurance offers simple and effective claim support wherein insurance holders can file their claims stress-free. The company has an impressive 95.04% of claim settlement ratio which showcases the trust of the customers in the insurer.
Value-Added Benefits
SBI General Health Insurance includes numerous value-added advantages such as wellness benefits, lifetime renewability, booster benefits, sum insured restoration, and more.
Awards and Achievements
SBI General Health Insurance is one of the most trusted names in the insurance industry, having earned numerous honours such as "General Insurance Provider of the Year" and "Best Claim Settlement" among many others for its customer service and insurance products.
Updated Insurance Products
SBI medical insurance policies are intended to serve all types of customers. Customers can choose from a variety of insurance policies, ranging from critical illness to family floater and individual coverage, depending on their needs.
Know What is Covered- Inclusion
Hospitalisation Cover
The expenses incurred due to hospitalisation for 24 hours or more.
Pre and Post-Hospitalisation
There are some requirements before admission to the hospital, such as diagnostic tests and medicines will be covered by the insurance companies. Also, post-hospitalisation, if there is any requirement for an ambulance or any other thing, the expenses are covered by the company.
Day Care Procedures
The insurance by SBI General Health Insurance will also cover your daycare procedure. The advanced technology made it possible to complete the procedure within a day.
AYUSH Treatment
AYUSH stands for, Ayurveda, Yoga, Naturopathy, Unani, Siddha, and Homeopathy. With Star Health Insurance, you will be covered if you plan to take the medical benefits of Ayurveda or other natural procedures.
Fees of the Specialists
The fees of a medical practitioner, surgeon, anaesthetist, consultant, and specialist will be included in your health insurance.
Cataract Treatment
Any expense incurred while treating the cataract problem is included in the SBI Health Insurance policy.
Ambulance Cover
The expenses on ambulance up to Rs 2000 per hospitalisation are covered.
Dental Treatment
Expenses incurred on dental treatment if the problem arises due to any major disease like cancer or accident injury.
What is not Covered?- Exclusion
Treatment of diseases diagnosed during the first 30 days of the purchase of the policy.
Expenses for obesity treatment, and weight control for certain cases.
Plastic or cosmetic surgery unless due to illness/injury.
Gender change procedure cost.
Injury due to hazardous or adventure sports.
Cost of breaching of law
Treatment cost against alcohol, drug, or substance addiction/abuse.
Cost for refractive error (vision).
Any unproven or experimental treatment cost.
Medical costs due to war and war-like situations.
Treatments taken outside India.
Waiting Period in SBI Health Insurance
The waiting period is the duration in which you have to wait before making the claim. This waiting period applies from the date you buy the policy and lasts up to 15 days to 4 years depending upon policy to policy.
SBI Health Insurance generally adds following waiting periods.
Initial Waiting PeriodThis waiting period is experienced in the first 30 days from the policy commencements. You cannot file for a claim except for emergency hospitalization due to an accident.
Waiting Period for Pre-Existing Diseases (PED)As per IRDAI, pre-existing diseases are diseases that are diagnosed 1 month before you buy a health insurance plan. Diseases like diabetes, thyroid, hypertension, etc are some of the diseases in which waiting periods might occur. However, this waiting period does not apply to the group insurance.
Maternity Benefit Waiting PeriodMaternity benefits usually start after 1 to 4 years of waiting period after buying health insurance. However, it depends upon the policy. So, you need to plan your family accordingly.
Mental Illness Waiting PeriodToday, many policies provide coverage for mental illness but you can avail claim after a specific time. Usually, the waiting period for mental illness coverage is 1 to 4 years.
Factors to Consider While Buying a Health Insurance Plan
Choosing a health insurance plan can be stressful and confusing for most people. But you need to have a clear idea of what a certain plan is offering and what are the things they are covering. Once you are positive about the plan benefits, it becomes easier to make correct decisions. Let's check out some of the factors that you should consider before buying a health insurance policy:
Individual or Family Floater PlanWhenever choosing a plan your first step should be to check whether your requirement is for yourself or your family. Most of the time family floater plans are beneficial for those who want to secure their family as it is cheaper than the individual one.
Cover AmountWe all know that with growing inflation, medical expenses are also increasing day by day. Therefore, having health insurance will help a lot to meet the expenses. In this, it is also necessary to choose a policy that offers maximum coverage and amount for your health claims.
Co-Payment ClauseEvery policy has some clauses that you need to follow. A co-payment clause is one of those clauses. This means that for every claim you make, you have to bear a certain percentage of the claim amount. So, you must check how much clause your policy is putting in.
Hospital NetworkAlways check the list of hospitals included in your policy. Keep in mind what kind of medical facilities you might need in the future.
Waiting PeriodLook for the time period you need to wait before claiming the reimbursement. Some policies put a waiting period on critical illness as well, you need to check for that too.
Lifetime RenewalIt might be possible that you need healthcare when you grow old. So, look for a policy that provides lifetime renewal options.
Compare the PremiumsYou should always choose the premium after comparing more than two policies. This thoughtful action will prevent you from paying a higher amount for lesser claims and vice versa.
Why Choose Online Procedure to Buy SBI Mediclaim Policy?
Getting a medical insurance policy online from PolicyX or directly from the company is full of benefits. Read below to know more.
Easy to Compare Online platforms give access to compare different SBI Health plans at the same place. You can pick the right one for you while comparing the premiums.
Buying Insurance within 5 minutes At an online platform, you can choose and buy your policy within 5 minutes, without any issues.
24*7 Customer Service The experts are always at your service. No matter what the time is, you can contact them any time to clear your doubts.
Instant Quote With online accessibility, you can get quotations with just one click. You can collect several quotes and choose the right one for you.
Benefits of Purchasing at an Early Age
Have to create this very attractive, as this section is for youngsters, so I suggest adding images with pointers
Although, there are no specific age criteria for buying health insurance plans. But buying insurance at an early age is highly beneficial. Read below to get to know why buying health insurance at an early age is beneficial.
Your premiums will be less at an early age.
At an early age, a continuous cover with renewals will help you to go out with the waiting period.
No medical test is required if you purchase health insurance at an early age.
You can avail a no-claim bonus for every claim-free year.
You do not need to share your medical bills as the co-payment is not applicable in this case.
How to Buy SBI Health Insurance Plans?
Buying SBI Health Insurance plans is an easy and hassle-free task. Follow the given procedure for an easy buy.
Through Official Website
Visit the official website of SBI General Insurance. Click on the 'Buy' option under 'Health Tab'.
Fill the form with the details and click on 'Go'.
On the next page, fill in your contact number and email address.
Once done, you will be redirected to a page with a short questionnaire. Answer all the questions and click on 'Continue'.
The page will then show you the most-suited plan along with the premium amount.
Make an online payment. Your policy document will be mailed to you at your registered email address.
Note: You can also purchase health insurance by visiting the nearest SBI General branch. If for any reason you are unable to buy health insurance from the company, PolicyX.com is there to assist you.
Through PolicyX.com
Fill the form "Calculate SBI Health Insurance Premium Now" available at the top of this page.
Once done, click on the Continue tab, and on the next page, your premiums will be displayed.
Choose any additional rider if you want to, and make the payment online.
Once the payment is received by the company, they will send you your policy details.
How to Renew Health Insurance Policy?
To avail of the benefits consistently, you need to renew your health insurance policy on time. In the below content, you will get some simple steps on how to renew your health insurance policy.
Step 1
Visit the official website of SBI General Insurance, and look for the "renew policy" option.
Step 2
Click on the health insurance.
Step 3
It will redirect you to the main page where you need to fill in the policy number and policy type.
Step 4
Review the policy and fill in the details.
Step 5
Now choose the mode of payment and complete the payment.
Step 6
Once the payment is made, your policy will be renewed instantly.
Inform the company about the claim by dialing the toll-free number (1800 22 1111) or SMS 'CLAIM' to 561612.
Step 2
The SBI customer representative will reach out to you with details of the required documents and further steps.
Step 3
The SBI claims representative will connect with you within 24 hours of filing the claim.
Step 4
Submit all the required documents.
Step 5
The company will initiate the process and settle all relevant claims within 30 days of the final survey report.
Claim Process
Once you submit the claim intimation, the company will start their work of verification. They might assign a field doctor if required for this process. After completing the verification process, you will get the claim immediately.
Documents Required while Filing the Claim
Duly completed and signed claim form, in original
Valid photo-ID proof
Medical practitioner's referral letter and prescription
Original bills, receipts, and discharge cards from the hospital/medical practitioner
Original bills from pharmacy/chemists
Original pathological/diagnostic tests reports/radiology reports and payment receipts
Indoor case papers
First Information report, final police report, if applicable
Post-mortem report, if conducted
Any other document as required by the company to assess the claim
How to Calculate the Premiums?
You can calculate your health insurance premiums online at Policyx. This SBI Health premium calculator is a tool that is designed to enable some potential buyers to estimate the premiums that they need to pay.
The premium calculation for the SBI health insurance plans depends on numerous factors. These factors are the dictators of how much risk is involved with your health and how many claims will be needed to overcome those risks. Let's discuss the factors that affect your SBI health insurance plans in detail.
Age Age is the foremost factor an insurer keeps tabs on while selling an insurance policy. Being more aged means that you are more prone to getting illnesses and therefore, premiums when you buy young are on the affordable side.
Medical history Medical history determines how near and frequent are the claims that you will make. If you have a pre-existing disease your premiums will naturally be higher.
Smoking habits Smoking is a life-threatening habit. It exposes the smoker to not only cardiovascular risks but a lot more health issues. So, while being a smoker you are prone to more diseases as compared to a non-smoking person.
Profession Profession plays an important role because many occupational hazards are involved with a number of job roles. So, if your profession comes with a lot of health risks, your premiums will be more expensive.
SBI Health Insurance Top-Up Plans
If you think, your current health insurance coverage is not sufficient to meet your healthcare needs, then you can opt for a SBI Health Insurance Super Top-Up plan to provide supplement your coverage. Here are the top-up plans of SBI Health Insurance offers:
SBI Arogya Top-Up Policy
SBI Health Insurance Network Hospital List
SBI Health Insurance Network Hospitals are present in 31 states across the country. With a wide network of hospitals, SBI Health Insurance ensures that you are medically safe regardless of the city you live in.
Choose Policyx for all your SBI Health Insurance queries. We are:
IRDAI Approved: The Insurance Regulatory Development Authority of India (IRDAI) is a regulatory body created to protect the policyholder's interest. PolicyX.com follows all the guidelines and protocols approved by the IRDAI.
Free Comparison Service: With PolicyX.com, you can easily compare the best Health Plans in India without paying the extra amount.
Compare 15 Companies in 30 Seconds: With us, you can compare up to 15 companies in just a few seconds.
Buy Insurance within 5 mins: With PolicyX.com, you can buy your policy online without any hassles. We offer an easy 4-step online buying process that allows you to buy your policy without any troubles.
24*7 Customer Service: The experts of PolicyX.com are always available to resolve any of your insurance-related queries.
Free Future Claim Assistance: Our team will assist you at every step of your claim process. Be it claim intimation, documentation, or any other process, we are always there to help.
Contact Details
SBI Health Insurance Company is a dedicated insurance company that works 24*7 for customer case support. They make sure to resolve all the customer queries, no matter what time. For a branch-wise contact detail, you can read more about SBI Health Insurance Customer Care.
customer.care@sbigeneral.in
1800 102 1111
SBI Health Insurance: FAQs
1. How many days are taken by the SBI General Insurance company to settle a health insurance claim?
The company will settle all admissible claims within 30 days of receipt of the final survey report.
2. Do we get rewards points for staying healthy in SBI Health Insurance plans?
No, SBI health insurance does not provide reward points for staying healthy.
3. Am I eligible to avail of Tax Benefits under SBI Health Insurance?
Yes, policyholders are eligible to avail of tax benefits under Section 80D of the Income Tax Act, 1961.
4. What do you mean by Co-payment? Is there any co-pay clause in this SBI Health Insurance plans?
Co-payment is the amount that the policyholder has to pay for the medical service covered under the health insurance plan. SBI health insurance plans co-pay clause based on the geographical region of the hospitalization
(between 20-30%). In addition, if you are admitted to a non-network hospital, you will be required to pay a 10% copayment.
5. What is the policy cancellation process for SBI health insurance?
SBI medical insurance offers a 15 day free-look period to the policyholders in which you can cancel your policy free of cost.
6. How to pay a premium? What are the modes of payment offered by the SBI medical insurance?
You can pay the premium of the SBI health insurance plans online or by visiting your nearest SBI health insurance branch.
The policyholder can make an online payment using the following payment modes:
Credit card
Debit card
Net banking
UPI
7. What is the maximum policy tenure of the SBI health insurance policy?
SBI mediclaim policy comes with a policy term of up to 3 years.
8. Is there any age limit for buying a health insurance policy from SBI General, and what's the maximum tenure available?
The minimum age for buying individual health insurance policies from SBI General is 18 years, and the maximum is 65 years, although children as young as 3 months can be covered under health insurance policies if both
parents are enrolled under the same plan.
9. What are the renewal formalities for SBI General health insurance?
Renewal premium has to be paid with the understanding that no new information has become available with respect to the first policy filings. In case the insured has contracted an illness during the last 12 months, the
same has to be notified to the insurer as new illnesses may require payment of an extra premium.
10. What is covered in SBI family health insurance plans?
SBI family health insurance plans include hospitalization expenses, pre and post hospitalization coverage, OPD and day care, maternity costs, ambulance charges, AYUSH, and medical health care.
11. Can I buy SBI health insurance plans online?
Yes, SBI health insurance plans are available online.
An explorer and a curious person, Simran has worked in the field of insurance for more than 3 years. Traveling and writing is her only passion and hobby. Her main agenda is to transform insurance information into a piece that is easy to understand and solves the reader’s query seamlessly.
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