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The SBI General Insurance company is a joint venture between the State Bank of India (SBI) and Insurance Australia Group (IAG), which commenced its operations in the year 2010.
The SBI Health Insurance Company offers a wide array of general insurance products such as motor insurance, health insurance, personal accident, travel insurance, and home insurance.
The company also comes with various non-life insurance products like fire insurance, marine insurance, aviation insurance, and liability insurance, etc for the customers in the commercial space.
SBI Health Insurance efficiently offers comprehensive medical coverage for hospitalization expenses incurred by the policyholder or his family members. The company pays for the in-patient hospitalization expenses, pre and post-hospitalization costs, day-care treatments, and many other healthcare expenses that help the patient to concentrate on their treatment without worrying about the expenses.
With all such benefits, SBI Health Insurance Company ensures that you take care of your health and look after your healthcare needs in the time of a medical emergency.
Before buying health insurance it is advisable to get a insight into the company's performance. Given below are the key features of SBI Health Insurance company that will help you make a wise decision.
SBI offers several health insurance plans to look after the healthcare needs of the policyholders. Below mentioned are all the plans offered by SBI Health. Have a look:
Comprehensive Plan
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.
Unique Features
Comprehensive/ Family Floater Plan
A policy designed to provide coverage to you and your family. Providing high SI of 30 lakhs, it covers maternity expenses to childbirth.
Unique Features
Family Floater Plan
A fixed premium plan that offers coverage up to 3 Lakhs and offers protection against the expenses incurred during OPD and hospitalization.
Unique Features
Standard Plan
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
Affordable Plan
A affordable health insurance plan that provides coverage of up to 5 Lakhs. The plan offers several add-on riders for enhanced coverage.
Unique Features
Top-up policy
The policy comes into action post exhaustion of your current health plan and provides affordable premiums with various benefits.
Unique Benefits
Critical Illness policy
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
Hospital Daily Cash
The policy provides a fixed amount to the claimant for each day of hospitalization and expenses like traveling, food, and much more.
Unique Features
Loan Insurance Policy
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.
Unique Features
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.
SBI as an insurance provider well understands that the trust of the customers is earned. With its years-after-years of experience in customer satisfaction, the company has garnered the position and popularity it has today. We have discussed some of the key benefits of SBI health insurance plans. Read on to find out.
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 much claims will be needed to overcome those risks. Let's discuss the factors that affect your SBI health insurance plans in detail.
SBI General Health Insurance has a big pool of insurance products. The plans are filled with some amazing features and touch all of the domains of health insurance so that everyone gets what they need at SBI health insurance. Let us look at what is covered in SBI Health Insurance Plans in general.
Below mentioned are the premium illustrations of SBI Health Insurance plans that help you to understand the premiums payable.
Plan Variants | Pre (Silver) | Pro (Gold) | Premium (Platinum) |
Sum Insured (in Rs.) | 5 Lakhs | 10 Lakhs | 25 Lakhs |
Annual Premium (in Rs.) | 7,059 | 9,226 | 14,165 |
**Age of the Policyholder-30 years
Age (in years) | 30 | 40 | 50 |
Annual Premium (in Rs.) | 11,074 | 12,174 | 20,502 |
**Sum Insured chosen- 10 Lakhs
Buying SBI Health Insurance plans is an easy and hassle-free task. Follow the given procedure for an easy buy.
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.
You can renew your policy by following the below stated steps:-
There is a direct process to file SBI health insurance claims. Let's take a look at it.
Following documents are needed to file a claim under SBI health insurance:
Here is how you can reach out to SBI Health Insurance:
customer.care@sbigeneral.in
1800 102 1111
The company will settle all admissible claims within 30 days of receipt of the final survey report.
Yes, a policyholder is eligible to get a non-floater discount of 2.5% (if two adults are covered), and a 5% discount (if more than 3 adults are covered).
Yes, the policy covers health check-up expenses up to Rs.5000 (after 4 consecutive claim-free years).
No, SBI health insurance does not provide reward points for staying healthy.
Yes, policyholders are eligible to avail of tax benefits under Section 80D of the Income Tax Act, 1961.
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.
SBI medical insurance offers a 15 day free-look period to the policyholders in which you can cancel your policy free of cost.
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:
SBI mediclaim policy comes with a policy term of up to 3 years.
You can check the policy status of your SBI health insurance policy by visiting the official website of SBI medical Insurance. Below mentioned are the steps to check the policy status:
SBI Life Insurance offers a wide array of health insurance plans to its users. It has gained a name in the insurance industry and emerged as one of the most sought-after names since its inception in 2001. With a CSR of 93.09% and access to over 100 million accounts throughout India SBI Life offers products and services to people of all economic strata.
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.
SBI General provides health insurance for 1-year tenure only.
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.
Alternative medicine treatments such as aromatherapy, reflexology, chiropractic, naturopathy, osteopathy, acupressure, and acupuncture are excluded from health insurance policies from SBI General.
Yes, the premium calculator offered by SBI is very accurate and provides you with the exact premiums that you will need to pay for the policy.
SBI Loan Insurance policy gives you a lump sum amount in case of any of the 13 listed critical illnesses, accidental death, permanent disability or loss of your income. You can use the lump sum amount to pay off your loans and carry on with your financial responsibilities.
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.
SBI has one of the largest operating networks, network hospitals, customer base and claims settled in the nation. It is one of the most reliable health insurance providers in the country.
Yes, SBI health insurance plans are available online.
Read what our customers have to say about SBI health insurance company and SBI health mediclaim policy.
priya
Pune
June 7, 2022
Best buy and reliable. I recently got a life insurance for myself from SBI. Also, my purchasing experience was made easy and swift, apart from the best deal given by PolicyX.
Saksham
Ahmedabad
June 7, 2022
I got the sbi general term insurance plan last year as I am concerned about my family. Such great plans. Great work.
kuljeet singh
Chandigarh
March 14, 2022
very good company with good plans. They always reply to my and my wife queries related to our old diseases and new doctor consultations. they OPD plan is very helpful.
Dhiraj Khanna
Mumbai
February 17, 2022
This is a reliable company as they fulfill their promise to help during any medical emergency. I am satisfied with their services.
Avantika Nagpal
Kolkata
October 12, 2021
Very amazing and helpful service offered by SBI Health. I am impressed by the way this company works.
Rekha Tyagi
Kolkata
October 8, 2021
Well done SBI Health. You are doing a great job. Also, I wanna thank PolicyX.com for your continuous support. Best of luck to both companies.
Kuwali Rai
Gandhinagar
September 2, 2021
truly grateful for all the help received at PolicyX. the agents are smart, dont waste time and have good knowlege
Vishwanber Sharma
Guwahati
September 1, 2021
Satisfied with the purchased plan. Will recommend others to invest too. Policy X team has guided, so thanks for that too
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