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 i...Read More
Network hospitals
6000+
Claim settlement ratio
98%%
Sum insured
Up to 2 Cr
No. of Plans
12
Solvency Ratio
1.8
Pan India Presence
141+
Simran has over 3 years of experience in content marketing, insurance, and healthcare sectors. Her motto is to make health and term insurance simple for our readers has proven to make insurance lingos simple and easy to understand by our readers.
Reviewed By:
Raj Kumar has more than a decade of experience in driving product knowledge and sales in the health insurance sector. His data-focused approach towards business planning, manpower management, and strategic decision-making has elevated insurance awareness within and beyond our organisation.
Updated on Apr 21, 2025 4 min read
SBI Health Insurance: An Overview
What are some of the
Features
that set them apart?
-
1
Special health plans for autism and diabetes
-
2
A comprehensive wellness system to promote a healthy lifestyle
-
3
Emergency air ambulance services
-
4
International travel for treatments
-
5
Unlimited teleconsultations
SBI Health Insurance Awards and Accolades.
- 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.
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Best Selling SBI Health Insurance Plans
Let's take a look at the list of health insurance plans that offer comprehensive protection to you and your family
-
Individual and Family Health Insurance
SBI Health Insurance Plans Eligibility Approximate Annual Premiums SBI Super Health Insurance Policy Entry Age - Min: 91 Days, Max: No Limit
Sum Insured - Up to 2 CrRs. NA
SBI Health Edge Policy Entry Age - 18 to 65 Years
Sum Insured - Up to 25 LRs. 6305
-
Group Health Insurance
SBI Health Insurance Plans Eligibility Approximate Annual Premiums SBI Group Health Insurance Entry Age - 18 to 65 years
Sum Insured - Up to 5 LRs. NA
-
Individual
SBI Health Insurance Plans Eligibility Approximate Annual Premiums SBI Loan Insurance Policy Entry Age - 18 years to 65 years
Sum Insured - Up to 1 CroreRs. NA
SBI Hospital Daily Cash Insurance Plan Entry Age - 18 to 65 Years
Sum Insured - Up to Up to 4000Rs. 335
-
Critical Illness Health Insurance
SBI Health Insurance Plans Eligibility Approximate Annual Premiums SBI Critical Illness Policy Entry Age - 5 years to No maximum age limit
Sum Insured - Up to 10 LRs. 357
Key Features Of SBI Health Insurance
Let us take a look at some unique features of top-selling SBI Health Insurance policies:
For Individual and Family Health Insurance
SBI Super Health Insurance Policy
SBI Super Health Insurance provides 27 base covers and 7 optional covers, with sum insured options ranging from INR 3 lac to INR 2 Crore. The major benefits of SBI Super Health Insurance include re-insure benefits, health multiplier benefits, and more.
Why do we recommend this?
- Wellness Benefit
- Renewal Benefits
- Annual Health Check-up
For Group Health Insurance
SBI Group Health Insurance
SBI Group Health Insurance is a comprehensive plan, as it provides wider coverage to its customers as well as their family members.
Why Do We Recommend This?
- Avail in-patient hospitalization
- Daycare treatments cover
- Avail renewal benefits
For Individual
SBI Loan Insurance Policy
SBI Loan Insurance policy offers comprehensive coverage to the policyholder and helps them to repay their loan in case of accidental/critical illness medical emergencies, leading to job loss or death.
Why Do We Recommend This?
- Covers 13 critical illnesses
- Pays out the outstanding loan amount or sum insured
- Pays out the maximum of 3 EMIs
For Critical Illness Health Insurance
SBI Critical Illness Policy
SBI Critical Illness Insurance Policy offers you financial protection from 13 important critical illnesses, this policy offers a fixed sum, irrespective of your actual medical expenses.
Why Do We Recommend This?
- Avail cover for 13 critical illnesses
- Emergency air ambulance service
- COVID-19 coverage is available
Explore other SBI Health Insurance
To cater to the different medical needs of an individual & their family, SBI Health Insurance offers several Health Plans ranging from senior citizen plans to specialized plans for autistic children, to health insurance for cardiac patients, and many more. Take a look below to SBI Health Insurance plans explore more:
Individual and Family Health Insurance
SBI Super Health Plan is SBI Health Insurance's new comprehensive health insurance plan. The plan is an umbrella health plan that provides all-inclusi...
Unique Features
- Unlimited Re-insure Benefit
- Wellness Benefits
- Annual Health Check-ups
SBI Super Health Insurance Policy (Pros)
- Tax benefit
- Reinsure benefit
- Health multiplier
- Optional covers
SBI Super Health Insurance Policy (Cons)
- Cosmetic treatment
- Injury due to illegal activities
- Unlawful activities
- Adventure sports injuries
SBI Super Health Insurance Policy (Other Benefits)
- OPD expenses
- International treatment
- SI up to 2 Crores
- Flexible premium payments
SBI Super Health Insurance Policy (Eligibility Criteria)
- Min entry age: 18 Years
- Max entry age: 65 Years
- Initial Waiting Period: 30 Days
- Sum Insured: Up to 2 Cr
Individual and Family Health Insurance
SBI Health Edge is a newly introduced health insurance plan from SBI Health Insurance which is customizable and is available to insurance holders base...
Unique Features
- Avail Global Treatment
- Multiple Discounts
- 18 Optional Covers
SBI Health Edge Policy (Pros)
- In-patient hospitalization
- Pre and Post-hospitalization
- Daycare treatments
- Emergency ambulance cover
SBI Health Edge Policy (Cons)
- Organ donor
- Compassionate visit
- Domiciliary hospitalization
SBI Health Edge Policy (Other Benefits)
- Bariatric Surgery Cover
- Modern Treatments
- AYUSH Treatments
- Health Check-ups
SBI Health Edge Policy (Eligibility Criteria)
- Entry Age: 18 to 65 Years
- SI: 3 to 25 Lakhs
- Initial waiting period: 30 days
Group Health Insurance
SBI Group Health Insurance is a comprehensive plan, as it provides wider coverage to its customers as well as their family members. Group health insur...
Unique Features
- High Sum Insured
- Easy Policy Renewal
- 10% copayment
SBI Group Health Insurance (Pros)
- In-patient hospitalization
- Daycare treatments
- Co-payment clause
SBI Group Health Insurance (Cons)
- Room rent unavailable
- OPD not covered
- Organ donor expenses
- Modern treatment unavailable
SBI Group Health Insurance (Other Benefits)
- Ambulance expenses
- Pre & post-hospitalisation
- Policy renewal benefits
SBI Group Health Insurance (Eligibility Criteria)
- Entry age: 18 to 65 years
- Sum insured: 1 to 5 Lakhs
- Initial waiting period: 30 days
Individual and Family Health Insurance
SBI Arogya Supreme health plan is a diverse health insurance plan that provides a solution for all your healthcare needs. It covers 20 basic covers an...
Unique Features
- Complete protection
- Choose SI
- Choose policy tenure
SBI Arogya Supreme Policy (Pros)
- Domestic Air Ambulance Cover
- Compassionate Benefit
- Recovery Benefit
SBI Arogya Supreme Policy (Cons)
- Automatic restoration
- Maternity cover unavailable
- Newborn baby cover
- 2nd medical opinion not covered
SBI Arogya Supreme Policy (Other Benefits)
- E-Opinion Cover
- Preventive Health Check-up
- Renewal Benefit
SBI Arogya Supreme Policy (Eligibility Criteria)
- Entry age: 18 to 65 years
- Sum Insured 3 L | 5 L | 7.5 L | 10 L | 15 L | 30 L | 40 L | 50 L | 1 Cr
- Policy Term 1/2/3 Years
- Initial Waiting Period 30 Days
Individual
SBI Loan Insurance policy offers comprehensive coverage to the policyholder and helps them to repay their loan in case of medical emergencies arising ...
Unique Features
- Loan repayment benefits
- Plan details
- Inclusions and exclusions
SBI Loan Insurance Policy (Pros)
- Pays out max 3 EMIs
- Pays outstanding loan
- PTD benefits
SBI Loan Insurance Policy (Cons)
- Drug abuse or alcoholism
- HIV/AIDS
- Self-inflicted injury
SBI Loan Insurance Policy (Other Benefits)
- Accidental cover
- Critical illnesses cover
- Loss of job cover
SBI Loan Insurance Policy (Eligibility Criteria)
- Entry Age: 18 to 65 years
- SI: 1 Crore
- Initial waiting period: 90 days
Critical Illness Health Insurance
SBI Critical Illness Insurance Policy offers you financial protection from 13 important critical illnesses, this policy offers a fixed sum, irrespect...
Unique Features
- Coverage for Cancer
- Eligibility Criteria
- Inclusions and Exclusions
SBI Critical Illness Policy (Pros)
- 13 critical illnesses
- COVID- 19 covered
- Air ambulance services
SBI Critical Illness Policy (Cons)
- Maternity cover
- OPD and daycare unavailable
- Global cover unavailable
SBI Critical Illness Policy (Other Benefits)
- Emergency medical cover
- No Maximum age limit
- SI up to 10 L
SBI Critical Illness Policy (Eligibility Criteria)
- Entry age: 5 years to No limit
- SI: 3 to 10 Lakhs
- Initial waiting period: 90 days
Individual and Family Health Insurance
SBI Arogya Sanjeevani Policy is a standard health insurance policy that comes with an affordable premium and offers a bucket full of benefits to its p...
Unique Features
- Affordable Health Plan
- Eligibility Criteria
- Inclusions and Exclusions
SBI Arogya Sanjeevani Policy (Pros)
- In-patient hospitalization
- Pre and post-hospitalization care
- ICU expenses
- Daycare treatment
- Up to 12 advanced treatments
SBI Arogya Sanjeevani Policy (Cons)
- Modern treatment unavailable
- OPD not covered
- Domiciliary hospitalization unavailable
SBI Arogya Sanjeevani Policy (Other Benefits)
- Deep Brain Stimulation
- Balloon Sinuplasty
- Oral Chemotherapy
- Intra Vitreal Injections
SBI Arogya Sanjeevani Policy (Eligibility Criteria)
- Entry Age: 18 to 65 Years
- SI: 50K to 1 Lakhs
- Initial waiting period: 30 days
Individual and Family Health Insurance
SBI Arogya Top-up Policy is a health insurance top-up policy that is designed to provide additional coverage to policyholders when their standard heal...
Unique Features
- Enhanced coverage
- Eligibility criteria
- Key features
SBI Arogya Top-Up Policy (Pros)
- In-patient hospitalisation
- Pre & post hospitalisation
- Ambulance cover
SBI Arogya Top-Up Policy (Cons)
- Global coverage
- Air ambulance
- Compassionate visit
- OPD cover unavailable
SBI Arogya Top-Up Policy (Other Benefits)
- Organ donor expenses
- Domiciliary treatment
- Modern treatment
SBI Arogya Top-Up Policy (Eligibility Criteria)
- Entry age: 3 months to 65 years
- SI: 1 to 50 Lakhs
- Policy term: 1/2/3 years
- Initial waiting period: 30 days
Individual and Family Health Insurance
SBI Arogya Plus policy is a fixed premium plan that offers financial protection to you and your family during a medical emergency. The plan provides c...
Unique Features
- What is Arogya Plus?
- Know the Eligibility Criteria
- Premiums Sample Illustration
Arogya Plus Policy (Pros)
- OPD cover
- In-patient hospitalization
- Pre & post hospitalization
Arogya Plus Policy (Cons)
- Newborn baby cover
- Vaccination
- Compassionate travel
- Organ donor cover unavailable
Arogya Plus Policy (Other Benefits)
- AYUSH treatment
- Domiciliary hospitalization
- HIV/AIDS cover
- Mental illness cover
Arogya Plus Policy (Eligibility Criteria)
- Entry Age: 3 Months to 65 Years
- Sum Insured: 1/2/3 L
- Policy term: 1/2/3 years
- Initial waiting period: 30 days
Individual and Family Health Insurance
SBI Arogya Premier Policy is a comprehensive health insurance plan that is designed to protect you and your family from uncertain medical expenses. Th...
Unique Features
- Plan Specifications
- Eligibility
- Inclusions and Exclusions
Arogya Premier Policy (Pros)
- In-patient hospitalization expenses
- Pre and post-hospitalization
- AYUSH treatments
- Maternity expenses
Arogya Premier Policy (Cons)
- Daily hospital cash cover
- Newborn baby cover
- Global coverage
- Compassionate visit unavailable
Arogya Premier Policy (Other Benefits)
- Mental illness cover
- HIV/AIDS cover
- Internal congenital diseases
- Genetic disorders
Arogya Premier Policy (Eligibility Criteria)
- Entry Age: 3 Months to 65 Year
- Sum Insured: 10 to 30 Lakhs
- Initial Waiting Period: 30 days
Individual
Manage Additional Expenses With Hospital Daily Cash Insurance of SBI! SBI Hospital Daily Cash insurance policy takes care of the extra expenses ...
Unique Features
- Daily cash benefit
- Convalescence expenses
- No medical check-up required
SBI Hospital Daily Cash Insurance Plan (Pros)
- Daily cash benefit
- Convalescence benefit
- Multiple plan options
SBI Hospital Daily Cash Insurance Plan (Cons)
- Illegal activities
- Alcoholism
- Obesity
SBI Hospital Daily Cash Insurance Plan (Other Benefits)
- Hospitalization benefits
- ICU hospitalization
- Affordable premiums
SBI Hospital Daily Cash Insurance Plan (Eligibility Criteria)
- Min entry age: 18 Years
- Max entry age: 65 Years
- Initial Waiting Period: 30 Days
- Sum Insured: Up to 2 K
Individual
Would you believe if we say that the SBI Divyanga Suraksha health insurance plan provides healthcare for people with disability or any pre-existing HI...
Unique Features
- Covers in-patient treatment
- HIV/AIDS cover
- Power against disability
SBI Divyanga Suraksha Policy (Pros)
- Pre and post-hospitalization
- Medical treatment
- Daycare procedures
- Cataract cover
SBI Divyanga Suraksha Policy (Cons)
- Domiciliary hospitalization
- Vaccination
- Health check-ups
- Global coverage
SBI Divyanga Suraksha Policy (Other Benefits)
- Modern treatment cover
- In-patient treatment
- AYUSH care
- PEDs cover
SBI Divyanga Suraksha Policy (Eligibility Criteria)
- Entry age: 18 o 65 years
- SI: 4 & 5 Lakhs
- Initial Waiting Period: 30 days
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Why Choose SBI Health Insurance?
- Trusted brand with loyal customers
- A wide network of hospitals
- Cashless anywhere even in non-network hospitals
- Additional healthcare cover
- Dedicated customer support
- Efficient claim support
What is Covered?
Pre and Post Hospitalization Expenses
SBI Health Insurance helps fight against rising medical expenses, with their health insurance including pre and post-hospitalization expenses related to in-patient hospitalization.
AYUSH Treatments
Most SBI Health Insurance plans have in-built alternative treatment cover which you can utilize to your benefit. AYUSH treatments include Ayurveda, Unani, Siddha, and Homeopathy treatments.
Hospitalization Expenses
SBI health insurance plans cover your hospital expenses like room rent, ICU charges, surgery expenses, doctor consultations, and other such expenses.
Day Care Treatments
Multiple procedures do not require a 24-hour hospitalization. With this in mind, a majority of the SBI health insurance plans are designed to cover daycare procedures for policyholders.
Domiciliary Hospitalization
On a doctor’s recommendation, a policyholder can avail of medical care in the comfort of their home. SBI health insurance plans cover domiciliary hospitalization up to specified sub-limits.
What is not Covered?
Self Inflicted Injuries
SBI health policies will not cover injuries or hospitalization caused by self-harm.
Cosmetic Procedures
SBI Health Insurance plans do not cover any kinds of cosmetic surgeries or treatments.
Adventure Sports
SBI Health Insurance plans will not cover you for hospitalizations, or accidents caused due to adventure sports.
Obesity or Weight Control Treatments
SBI Health Insurance plans mostly do not cover treatments related to obesity and weight management such as bariatric surgeries.
Involvement In Illegal Activities
SBI health insurance company plans do not cover individuals or families for hospitalization or injuries caused due to unlawful activities.
What Are The Different Waiting Periods In SBI Health Insurance Plans?
The various waiting periods associated with SBI Health Insurance plans are:
Initial Waiting Period
Begins from the date of purchase and lasts for up to 30 days for most SBI Health Insurance plans.
Pre-existing Disease Waiting Period
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.
Mental Illness Waiting Period
Today, 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.
Maternity Waiting Period
Maternity 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.
SBI Health Insurance Network Hospital List
SBI Health Insurance Network Hospitals are present in 31 states nationwide. With a wide network of hospitals, SBI Health Insurance ensures that you are medically secured, irrespective of the city you reside in.
SBI Health Insurance Plans Buying Process
If you are looking forward to purchasing SBI Health insurance online follow the simple steps below:
- Step 1
Visit the PolicyX health insurance page, and enter your details such as name, age, number of members to be covered, and city.
- Step 2
Click on 'Get free quotes' and compare SBI Health Insurance Plans as per your needs.
- Step 3
Select and pay premiums online for the purchased SBI health insurance plan of your choice.
- Step 4
Our team of insurance experts at PolicyX will provide you with all the assistance required regarding claims and other queries post-purchase of your SBI Health Insurance plan.
SBI Health Insurance Renewal Process
Follow the steps for SBI Health Insurance policy renewal
- Step 1
Visit the official website of SBI Health Insurance Company
- Step 2
Click on the ‘Renew’ tab
- Step 3
Mention your ‘Policy Number’ and ‘Date Of Birth’
Connect with our insurance experts for SBI health insurance policy renewal at 1800-4200-269
SBI Health Insurance Plan Claim Process Steps
You can file for cashless as well as reimbursement claims for your SBI Health Insurance Plans by following these easy steps:
- Step 1
Visit the website of SBI Health Insurance, and select the "Claim" option. Then click on the "Claim Intimation" to check out the form.
- Step 2
Now select "health claim" and require the information which is the policy number, date of birth, and other details they ask for.
- Step 3
Now select the "claim type", whether you want to opt for a cashless claim or reimbursement. Click on the authorize and you will receive the OTP on the verified number.
- Step 4
Get verified with the OTP and fill in the required hospital admission information, select the hospital, and fill in the hospital details in case of a non-network hospital.
- Step 5
Upload the documents asked and click on the "review" button.
- Step 6
After clicking on the review button you need to submit the intimation for the company to review. You will receive a claim intimation number which you need to note down for future purposes.
Documents Required For SBI Health Policy Claim Settlement
Submit the following documents when filing for SBI health claims:
- 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 Port To SBI Health Insurance?
To port your existing policy to SBI Health Insurance, follow the steps mentioned below:
- Step 1
Fill out the portability form, and send the application to SBI Health Insurance Company 45 days before the date of your existing health plan renewal.
- Step 2
As per the guidelines of IRDAI, the new insurance company will cross-check your medical and claims history from the previous insurer within 7 days of receiving the portability form.
- Step 3
Once the policyholder's details are verified, the new insurance company has to communicate its decision - either approval or rejection - within 15 days.
Health Insurance Premium Calculator
PolicyX.com premium calculator offers premium comparison for some of the best health plans in India. You can input your details and check out some of the most suitable health insurance policies for your specific requirements. This is the easiest, most efficient, spam and gimmick-free way to buy health insurance today.
More Queries?
If you have any more queries regarding
Plans,
Renewals, or Claim Procedures, contact our insurance experts at:
1800-4200-269
now!
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Written By: Simran Saxena
Simran has over 3 years of experience in content marketing, insurance, and healthcare sectors. Her motto is to make health and term insurance simple for our readers has proven to make insurance lingos simple and easy to understand by our readers.
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