SBI Health Insurance
  • 24,000+ PAN India Branches
  • Lifelong reneability
  • Avail free health check-ups
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SBI Health Insurance

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.

Key Features of SBI Health Insurance Company

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.

  • Network Hospitals:
    Choosing an insurance company that has a wide range of network hospitals in your helps you to the great extent at the time of a medical emergency. With SBI Health Insurance company, you can secure policyholder's medical/health conditions with 6000+ network hospitals.
  • Claim Support (Claims settled withing 3 months):
    If your health insurance company is unable to settle claims in the given period, then the whole purpose of purchasing insurance gets wasted.
    As per the IRDAI Annual Report 2020-21, SBI has settled 99.75% of claims within 3 months.
  • Annual Premium:
    SBI Health Insurance has witnessed significant growth in the past 4-5 years. In the financial year of 2020-21, the company's market share was 8,264.86 crores, which shows good growth in its business volume.
  • Solvency Ratio:
    The solvency ratio of the company showcases the ability of a company to meet its financial obligations. At present, IRDAI has mandated the companies to maintain a solvency ratio of 1.5%.
    As per the IRDAI Annual Report 2020-21, the solvency ratio of SBI Health Insurance company is 2.20
  • PAN India Presence:
    To allow its customers to have a hassle-free experience, SBI has established its presence in more than 23000 branches of State Bank Group and over 5500 Regional Rural Banks (RRBs). Not only this, the company has its presence in 110+ cities pan India with a presence of another 350+ locations through satellite resources, which ensures that you don't have to wander here and there for your health insurance needs.
SBI Health Insurance Key Features
SBI Health Insurance Explained
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SBI Health Insurance Plans

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:

Individual & Family Floater Health Insurance Plans

Comprehensive Plan

SBI Arogya Supreme

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

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
  • Auto reinstatement of Sum Insured
  • No pre medical up to 55 years

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

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%

Affordable Plan

SBI Retail Health Insurance Policy

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

  • No pre-medical up to 45 years
  • Flexible plan options
  • Child care available

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

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

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

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

  • No Medical Tests required
  • Sum Insured of Rs.1 Crore
  • Available for a maximum of 3 years

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.

Benefits of SBI Health Insurance Plans

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.

  • Wide net of network hospitals: SBI health insurance has nearly or more than 20,000 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 lesser 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 plethora of products and services : SBI general health insurance doesn’t take the 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, critical illness, to hospital daily cash and even loan insurance policy.
  • 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 of 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 economical limits.

SBI Health Insurance Premium Calculation

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.

  • 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.

What is covered in SBI Health Insurance Plans?

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.

  • Individual and Families: SBI Health Insurance offers health plans that provide health insurance to individuals and their families. The minimum age to buy these plans is 18 years and goes up to 65 years. These policies provide coverage for situations like pre and post hospitalization, 500+ day care procedures, e-opinion cover, domestic air ambulance and much more.
  • Critical Illnesses: SBI Health Insurance offers coverage for 13 critical illnesses through its critical illness policy. The policy comes with multiple plan options, 15 days free look period, tax exemption and SI of up to 50 lakhs.
  • Your Liabilities: SBI Health Insurance also takes care of your liabilities through its loan insurance policy. The policy covers 13 critical illnesses, accidental death or permanent disablement and loss of job.
  • Everything Under One Plan: SBI Health Insurance offers a super health insurance policy which covers everything that a customer might need coverage for. The policy is all inclusive and brings 27 base covers and 7 optional covers, all day care procedures, medical treatment abroad, maternity expenses, OPD, wellness cover, road and air ambulance cover under its umbrella.
  • Hospital Daily Cash: One policy from SBI Health Insurance covers all your daily hospital cash needs. It provides daily cash from INR 2000 to 4000, convalescence expenses and much more.

Sample Premium Illustration of SBI Health Insurance Plans

Below mentioned are the premium illustrations of SBI Health Insurance plans that help you to understand the premiums payable.

SBI Arogya Supreme

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

SBI Arogya Premier Health Insurance

Age (in years) 30 40 50
Annual Premium (in Rs.) 11,074 12,174 20,502

**Sum Insured chosen- 10 Lakhs

How to Buy SBI Health Insurance?

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, is there to assist you.


  • 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.

What Is The Renewal Process Of SBI Health Insurance?

You can renew your policy by following the below stated steps:-

  • Go to the official website of the SBI General and click on 'Renew' under the 'Health' tab.
  • Enter the required details and click 'Go'.
  • The next page will show the summary details of your policy. Check it and make the payment.
  • Your policy will be renewed and its notification will be sent to your registered mobile number and email id.

What Is The Claim Process For SBI Health Insurance Plans?

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

  • Inform the company about the claim by dialing the toll-free number (1800 22 1111) or SMS 'CLAIM' to 561612.
  • The SBI customer representative will reach out to you with details of the required documents and further steps.
  • The SBI claims representative will connect with you within 24 hours of filing the claim.
  • Submit all the required documents.
  • The company will initiate the process and settle all relevant claims within 30 days of the final survey report.

Required Documents For SBI Health Insurance Claim

Following documents are needed to file a claim under SBI health insurance:

  • Duly signed and filled claim form
  • KYC form
  • Copy of SBI health insurance policy
  • Original Hospital discharge summary
  • Prescription and doctor consultation letter
  • Bills/receipts/medical reports
  • Photo ID documents (PAN Card/Aadhar card)
  • Address proof
  • Attested death certificate/post-mortem report (in case of accidental death)
  • Investigation Report copy (accidental cases)

Contact Details Of SBI General Insurance

Here is how you can reach out to SBI Health Insurance:

1800 102 1111

Health Insurance Articles

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. Does Arogya Sanjeevani offer any discounts to the policyholders?

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).

3. Does SBI Arogya Premier Policy cover health check-up expenses?

Yes, the policy covers health check-up expenses up to Rs.5000 (after 4 consecutive claim-free years).

4. 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.

5. 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.

6. 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.

7. 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.

8. 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

9. 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.

10. How can I know if my SBI Health Insurance Policy is still active?

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:

  • Log-in in with a valid login id and password.
  • Enter the policy number and check the status of your policy.

11. Is SBI Health Insurance a good insurer?

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.

12. 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.

13. What is the maximum tenure of health insurance policies from SBI General?

SBI General provides health insurance for 1-year tenure only.

14. 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.

15. Are alternative treatments covered by SBI General Health Insurance?

Alternative medicine treatments such as aromatherapy, reflexology, chiropractic, naturopathy, osteopathy, acupressure, and acupuncture are excluded from health insurance policies from SBI General.

16. Is SBI Health Insurance premium calculator useful?

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.

17. What is SBI Loan Insurance 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.

18. 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.

19. How reliable is SBI General insurance?

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.

20. Can I buy SBI health insurance plans online?

Yes, SBI health insurance plans are available online.

SBI Health Insurance Reviews

Read what our customers have to say about SBI health insurance company and SBI health mediclaim policy.

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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.

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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.

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kuljeet singh


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.

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Dhiraj Khanna


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.

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Avantika Nagpal


October 12, 2021

Very amazing and helpful service offered by SBI Health. I am impressed by the way this company works.

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Rekha Tyagi


October 8, 2021

Well done SBI Health. You are doing a great job. Also, I wanna thank for your continuous support. Best of luck to both companies.

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Kuwali Rai


September 2, 2021

truly grateful for all the help received at PolicyX. the agents are smart, dont waste time and have good knowlege

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Vishwanber Sharma


September 1, 2021

Satisfied with the purchased plan. Will recommend others to invest too. Policy X team has guided, so thanks for that too

View All SBI Health Insurance Reviews