SBI Health Insurance

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!

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SBI Health Insurance Plan
premium

Network hospitals

6000+

premium

Incurred claim ratio

73.92%

premium

Sum insured

Up to 2 CR

premium

No. of Plans

11

premium

Solvency Ratio

1.8

premium

Pan India Presence

141

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SBI Health Insurance Plan
premium

Network hospitals

6000+

premium

Incurred claim ratio

73.92%

premium

Sum insured

Up to 2 CR

premium

No. of Plans

11

premium

Solvency Ratio

1.8

premium

Pan India Presence

141

Overview of SBI Health Insurance

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.

A Quick Outlook

Cashless Claim Settlement Within 24 hours
Minimum Entry Age 18 years
Maximum Entry Age 65 years
Sum Insured Up to Rs. 1 Crores
Network Hospital More than 6000 across India
Tax Benefits Upto 1 Lakh
Solvency Ratio (2021-22) 2%
Claim Settlement Ratio (2021-22) 95.04%
Ambulance Expenses Covered
Coverage for Accidents Yes

SBI Health Insurance Plans

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

Comprehensive Plan

A comprehensive health insurance plan with 9 base covers and 18 optional covers offering a wide range of sum insured from 3 to 25 Lakhs.

Unique Features

  • Optional Covers
  • Multiple Discounts
  • Tax Benefits

SBI Health Edge (Pros)

  • High SI up to 25 L
  • Unlimited Refill
  • Wellness Cover
  • Long-term Policy
  • AYUSH Cover

SBI Health Edge (Cons)

  • Cosmetic Treatment
  • Injury Due To Illegal Activity
  • Injury Due To Hazardous Activities
  • Adventure Sport Injuries
  • Unlawful Activities

SBI Health Edge (Other Benefits)

  • Family Floater Cover
  • Annual Health Check-up
  • Domestic Help Cover
  • Global Treatment
  • New Born Baby Cover

SBI Health Edge (Eligibility Criteria)

  • Entry Age - 91 Days
  • Max Entry Age - 65 Years
  • SI - 3 L to 25 L
  • Waiting Period - 30 Days

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

  • Bariatric Surgery cover
  • 573 Day Care procedures covered
  • Domestic Air Ambulance cover

SBI Arogya Supreme (Pros)

  • E - Consultations
  • Sum Insured Refill
  • Air Ambulance
  • Long-term Policy
  • AYUSH Cover

SBI Arogya Supreme (Cons)

  • Cosmetic Treatment
  • Injury Due To Illegal Activity
  • Injury Due To Hazardous Activities
  • Adventure Sport Injuries
  • Unlawful Activities

SBI Arogya Supreme (Other Benefits)

  • Multiple Discounts
  • Annual Health Check-up
  • Mental Health Care
  • Cataract Treatment
  • E-Opinion

SBI Arogya Supreme (Eligibility Criteria)

  • Entry Age - 91 Days
  • Max Entry Age - 65 Years
  • SI - 5 L to 50 L
  • Waiting Period - 30 Days

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

  • 12 advanced treatment procedures
  • SI Auto Restoration
  • No pre medical up to 55 years

Arogya Premier Plan (Pros)

  • Road Ambulance
  • High SI
  • AYUSH Cover
  • Room Rent
  • Pre & Post Hospitalization

Arogya Premier Plan (Cons)

  • Cosmetic Treatment
  • Injury Due To Illegal Activity
  • Injury Due To Hazardous Activities
  • Adventure Sport Injuries
  • Unlawful Activities

Arogya Premier Plan (Other Benefits)

  • Family Floater
  • Tax Benefits
  • Affordable Premiums
  • Medicine Cover
  • Cataract Cover

Arogya Premier Plan (Eligibility Criteria)

  • Entry Age - 3 Months
  • Max Entry Age - 65 Years
  • SI - 50k to 10L
  • Waiting Period - 30 Days

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

  • Coverage for HIV/AIDS
  • Genetic Disorders covered
  • Internal Congenital Diseases covered

Arogya Plus Plan (Pros)

  • Up to 7.5% discount
  • OPD Cover
  • Maternity Cover
  • Pre & Post Hospitalization
  • 141 Daycare Treatments

Arogya Plus Plan (Cons)

  • Cosmetic Treatment
  • Injury Due To Illegal Activity
  • Injury Due To Hazardous Activities
  • Adventure Sport Injuries
  • Unlawful Activities

Arogya Plus Plan (Other Benefits)

  • Nursing Expenses
  • Domiciliary Hospitalization
  • AYUSH Cover
  • Medicines Cover
  • Tax Benefits

Arogya Plus Plan (Eligibility Criteria)

  • Entry Age - 3 Months
  • Max Entry Age - 65 Years
  • SI - 1 L to 3 L
  • Waiting Period - 30 Days

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

  • 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.

Unique Features

  • Consultancy Cover
  • Tax Benefits
  • SI Upto 5 L

Retail Health Policy (Pros)

  • Add-on Covers Available
  • ICU Benefit
  • Ambulance Cover
  • Free Medical Check-up
  • Parental Care

Retail Health Policy (Cons)

  • Cosmetic Treatment
  • Injury Due To Illegal Activity
  • Injury Due To Hazardous Activities
  • Adventure Sport Injuries
  • Unlawful Activities

Retail Health Policy (Other Benefits)

  • High SI
  • Child Care
  • Cataract Care
  • AYUSH Care
  • Mental Illness

Retail Health Policy (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 50k to 5 L
  • Waiting Period - 30 Days

Individual/Family Floater Plan

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.

Unique Benefits

  • Tax Benefits
  • Reinsure Benefit
  • Health Multiplier

Super Health Insurance (Pros)

  • Enhanced Cumulative Bonus
  • Daycare Procedures
  • Maternity Cover
  • Annual Health Check-up
  • Optional Covers

Super Health Insurance (Cons)

  • Cosmetic Treatment
  • Injury Due To Illegal Activity
  • Injury Due To Hazardous Activities
  • Adventure Sport Injuries
  • Unlawful Activities

Super Health Insurance (Other Benefits)

  • OPD Expenses
  • International Treatment
  • SI up to 2 Crores
  • Flexible-Premium Payment
  • Domestic Staff Cover

Super Health Insurance (Eligibility Criteria)

  • Entry Age - 91 Days
  • Max Entry Age - No Limit
  • SI - 3 L to 2 Crore
  • Waiting Period - 30 Days

Individual/Family Floater Plan

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.

Unique Benefits

  • Tax Benefits
  • Lump Sum Benefit
  • Minimum Waiting Period

Corona Rakshak Policy (Pros)

  • Room Rent Cover
  • Single Premium Payment
  • Affordable Premiums
  • Upto 2.5 L SI
  • 15-Day Waiting Period

Corona Rakshak Policy (Cons)

  • Cosmetic Treatment
  • Injury Due To Illegal Activity
  • Injury Due To Hazardous Activities
  • Adventure Sport Injuries
  • Unlawful Activities

Corona Rakshak Policy (Other Benefits)

  • Up to 65 Years Entry Age
  • 3-month policy period
  • 6-month policy period
  • 9-month policy period
  • Standard COVID-19 plan

Corona Rakshak Policy (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 50k - 2.5 L
  • Waiting Period - 30 Days

Individual

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)

  • Entry Age - 3 Months
  • Max Entry Age - 65 Years
  • SI - 1 L to 1 Crore
  • Waiting Period - 30 Days

Specialized Health Insurance Policy

Top-up policy

The policy comes into action post exhaustion of your current health plan and provides affordable premiums with various benefits.

Unique Benefits

  • Maternity Expenses covered
  • Ambulance coverage up to 5K
  • Coverage up to 50 Lakhs

Arogya Top Up Policy (Pros)

  • Up to 7.5% discount
  • OPD Cover
  • Tax Benefits
  • Pre & Post Hospitalization
  • 141 Daycare Treatments

Arogya Top Up Policy (Cons)

  • Cosmetic Treatment
  • Injury Due To Illegal Activity
  • Injury Due To Hazardous Activities
  • Adventure Sport Injuries
  • Unlawful Activities

Arogya Top Up Policy (Other Benefits)

  • High SI
  • Room Rent Covered
  • Physiotherapy Covered
  • Affordable Premiums
  • Domiciliary Hospitalization

Arogya Top Up Policy (Eligibility Criteria)

  • Entry Age - 91 Days
  • Max Entry Age - 65 Years
  • SI - 1 L to 50L
  • Waiting Period - 30 Days

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

  • 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.

Unique Features

  • 4 daily benefit amount options
  • Hospital confinement expenses
  • Convalescence expenses

Hospital Daily Cash Policy (Pros)

  • Daily Cash Benefit
  • Tax Benefits
  • Optional Covers
  • ICU Benefit
  • Accident Injury

Hospital Daily Cash Policy (Cons)

  • Cosmetic Treatment
  • Injury Due To Illegal Activity
  • Injury Due To Hazardous Activities
  • Adventure Sport Injuries
  • Unlawful Activities

Hospital Daily Cash Policy (Other Benefits)

  • Compassionate Benefit
  • Daycare Treatment
  • Maternity Cover
  • Sickness Cash Benefit
  • Affordable Premiums

Hospital Daily Cash Policy (Eligibility Criteria)

  • Entry Age - 3 Months
  • Max Entry Age - 65 Years
  • SI - 500 to 2,000
  • Waiting Period - 30 Days

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

  • Tax Benefits
  • Personal Accident Cover
  • SI up to 1 Crore

Loan Insurance Policy (Pros)

  • Loss of Job Cover
  • Long Term Policy
  • Affordable Premiums
  • Death Cover
  • Permanent Disablement

Loan Insurance Policy (Cons)

  • Cosmetic Treatment
  • Injury Due To Illegal Activity
  • Injury Due To Hazardous Activities
  • Adventure Sport Injuries
  • Unlawful Activities

Loan Insurance Policy (Other Benefits)

  • Cancer Cover
  • Organ Transplant Cover
  • Paralysis Cover
  • Organ Transplant
  • Blindness Cover

Loan Insurance Policy (Eligibility Criteria)

  • Entry Age - N/A
  • Max Entry Age - N/A
  • SI - Up to 1 Crore
  • Waiting Period - 30 Days

Group Insurance Policy

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-

  1. 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.

  2. 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.

  3. 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.

  4. Tax savings

    SBI health insurance plans let their customers enjoy tax savings under section 80D of The Income Tax Act, 1961.

  5. 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.

  6. 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.

  7. 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.

  8. 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.

  9. 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.

  10. 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.

  11. 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.

  12. 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.

  13. 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.

SBI Health Insurance Key Features

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.

Benefits of Purchasing at an Early Age

Your premiums will be less at an early age.

Benefits of Purchasing at an Early Age

At an early age, a continuous cover with renewals will help you to go out with the waiting period.

Benefits of Purchasing at an Early Age

No medical test is required if you purchase health insurance at an early age.

Benefits of Purchasing at an Early Age

You can avail a no-claim bonus for every claim-free year.

Benefits of Purchasing at an Early Age

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.

SBI Health Insurance banner

How to Claim?

There is a direct process to file SBI health insurance claims. Let's take a look at it.

  • Step 1

    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.
Why Choose PolicyX.Com

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.

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Simran Saxena

Written By: Simran Saxena

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.