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About SBI General Insurance

The SBI General Insurance company took birth with the help of two major contributors, State Bank of India (leading public sector bank) and Insurance Australia Group (an international general insurance company). The company emerged in 2010 and from then onwards, it started introducing insurance plans for small-sized and large-sized companies, individuals, retailers, and families at an affordable rate of premium.

SBI health insurance plans were formed with the motive to serve the emerging healthcare needs of the growing population. It offers comprehensive cover in addition to OPD coverage for critical ailments as well.

Number of Network Hospitals6000+
Locations Across India125
Total Number of Branches22,000+

Table Data updated on 30-11-2020

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SBI Health Insurance Plans

Let's take a look at all the SBI health insurance plans.

1. SBI Arogya Premier Policy

SBI Arogya Premier policy is a health insurance plan that offers wider medical coverage. The plan offers coverage to self, spouse, dependent children, parents, and parents-in-law.

Features:

  • Pre and post-hospitalization costs (60 & 90 days) of the insured are covered, which include diagnostic reports, doctor consultation, medications, etc.
  • The company covers 142 daycare procedures that require less than 24 hours of hospitalization.
  • Maternity expenses (after the first 9 months) are also covered under this policy.

Eligibility:

Minimum age of entry3 months
Maximum age of entry65 years
Sum InsuredRs. 10 lakhs to Rs. 30 lakhs
Policy Term1, 2, or 3 years

Table Data updated on 30-11-2020

2. SBI Arogya Plus Policy

SBI Arogya Plus policy supports the policyholders and their families during medical emergencies. The plan offers financial protection from rising medical expenses to meet any healthcare needs.

Features

  • Under this plan, no pre-policy medical test is required up to the age of 55 years.
  • The plan offers maternity coverage.
  • The company provides an ambulance facility for emergency cases, and a maximum of Rs.1500 can be claimed during a policy period.
  • Alternative treatment expenses for practices like Ayurveda, Unani, Siddha, and Homeopathy are covered.

Eligibility:

Minimum age of entry3 months
Maximum age of entry65 years
Sum InsuredRs. 1 lakhs/ 2 lakhs/ 3 lakhs
Policy Term1, 2, or 3 years

Table Data updated on 30-11-2020

3. SBI Arogya Top Up Policy

SBI Arogya Top Up policy helps you to get enhanced protection at a low premium. The plan comes with a wide range of benefits and allows you to cover your spouse, dependent children, parents, and parents-in-law.

Features

  • The policy covers 142 medical daycare procedures.
  • It covers maternity expenses after the first 9 months.
  • The ambulance facility (up to Rs. 5000) will be provided in case of emergency hospitalization due to illness/ injury/ accident/ ailment.
  • The plan also offers the option for reinstatement of the sum insured.

Eligibility:

Minimum age of entry3 months
Maximum age of entry65 years
Sum InsuredRs. 1 lakhs to 50 lakhs
Policy Term1, 2, or 3 years

Table Data updated on 30-11-2020

4. SBI Retail Health Insurance Policy

SBI Retail Health Insurance offers medical coverage along with additional benefits at a reasonable premium rate. Your entire family (spouse, dependent children, and parents) can be covered by this policy.

Features

  • The plan offers child care facilities to children below 10 years of age.
  • Policyholders are eligible to get coverage for alternative treatments like AYUSH.
  • For every claim-free year, a policyholder will get a bonus equaling 5% of SI.
  • The policy covers ambulance expenses (Rs.1500 or 1% of SI).

Eligibility:

Minimum age of entry18 years
Maximum age of entry65 years
Sum InsuredRs. 50,000 to Rs. 5 lakhs
Policy TermOne Year

Table Data updated on 30-11-2020

5. SBI Critical Illness Insurance Policy

SBI Critical Illness Insurance offers coverage against 13 critical illnesses. The plan offers financial support irrespective of the actual medical expenses and enables you to fully concentrate on your treatment without worrying about your finances.

Features

Following illnesses are covered under this plan:

  • Cancer of Specified Severity
  • Open Chest CABG
  • Aorta Graft Surgery
  • Open Heart Replacement or Repair of Heart Valves
  • Stroke Resulting in Permanent Symptoms
  • First Heart Attack of Specified Severity
  • Kidney Failure Requiring Regular Dialysis
  • Primary Pulmonary Arterial Hypertension
  • Major Organ/ Bone Marrow Transplant
  • Multiple Sclerosis with Persisting Symptoms
  • Coma of Specified Severity
  • Total Blindness
  • Permanent Paralysis of Limbs

Policyholders can also avail of tax benefits under Section 80D of the Income Tax Act, 1961.

The policy offers a grace period of 30 days.

Eligibility:

Minimum age of entry18 years
Maximum age of entry65 years
Sum InsuredRs. 2 lakhs to Rs. 5 lakhs
Policy Term1 and 3 years

Table Data updated on 30-11-2020

6. SBI Hospital Daily Cash Insurance Policy

SBI Hospital Daily Cash provides a fixed amount to the claimant for each day of hospitalization and takes care of other miscellaneous expenses like traveling, food, etc.

Features

  • The insured will receive 3 times the daily cash limit or Rs. 5,000 (whichever is less) if the hospitalization exceeds a continuous limit of 10 consecutive days.
  • The plan also covers ICU hospitalization expenses up to twice the daily benefit.
  • The plan offers 4 daily cash benefit amounts to choose from- Rs.500, Rs.1000, Rs.1500, and Rs.2000.
  • The plan provides a fixed lump sum to look after convalescence expenses.

Eligibility:

Minimum age of entry18 years
Maximum age of entry65 years

Table Data updated on 30-11-2020

7. SBI Loan Insurance Policy

In case you are a victim of a critical illness/accident death/unemployment and you have a loan to repay, SBI Loan Insurance Policy will offer its support to you and your family.

Features

  • The plan offers coverage against 13 critical illnesses.
  • The insured will receive an outstanding loan amount or sum insured based on the option chosen in the event of accidental death or permanent total disability.
  • If a person becomes temporarily unemployed or retrenchment or dismissal during the policy term, a maximum of 3 EMIs will be paid in favor of the loan amount taken.
  • This plan offers two sum insured options i.e. Fixed and Reducing.

Eligibility:

Minimum age of entry18 years
Maximum age of entry65 years
Maximum Policy Tenure3 years

Table Data updated on 30-11-2020

8. SBI Arogya Sanjeevani Policy

Arogya Sanjeevani is a comprehensive health insurance plan that provides financial protection in case of any unfortunate event that results in hospitalisation.

Features

  • The plan covers pre and post-hospitalisation expenses for 30 days and 60 days respectively.
  • Arogya Sanjeevani offers coverage (up to the sum insured) against Ayurveda, Unani, Siddha, and Homeopathy inpatient treatments.
  • Policyholders are eligible to get coverage (25% of Sum Insured or Rs.40000, whichever is lower) for cataract treatment expenses.
  • Nursing, room rent, and boarding expenses are also covered (2% of SI subject to a max of Rs.5000 per day).

Eligibility:

Minimum age of entry18 years
Maximum age of entry65 years
Sum InsuredRs. 1 Lakhs to Rs. 5 Lakhs

Table Data updated on 30-11-2020

9. SBI Group Health Insurance

SBI Group Health Insurance is an ideal insurance policy for both individuals and families. The plan offers financial support against your medical expenses and ensures that you get the best possible healthcare treatments for a speedy recovery.

Features

  • No pre-policy medical test is required for people (with no medical history) up to the age of 65 years.
  • The plan covers pre and post-hospitalisation expenses for 30 days and 60 days respectively.
  • The plan offers coverage (Rs.20000 or 20% of SI, whichever is lower) for domiciliary hospitalisation.
  • Medical practitioner and specialist fees are also covered by this policy.

Eligibility:

Minimum age of entry18 years
Maximum age of entry65 years
Sum InsuredRs. 1 Lakhs to Rs. 5 Lakhs

Table Data updated on 30-11-2020

How Can You Buy SBI Health Insurance?

Buying health insurance at times can be a troublesome task. Fortunately, SBI General understands this and has designed a simple buying process for the same. If for any reason you are unable to buy health insurance from the company, PolicyX.com is there to assist you. Let's check out their buying processes.

Through the Company's 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.

Through PolicyX.com

  • Go to the top of this page and fill the details in the 'Calculate SBI Health Insurance Premium Now' form.
  • The next page will show you all the quotes from different companies. Choose your desired 'SBI Health Plan'.
  • Pay the premium online and your policy document will be shared on your registered email address.

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.

What Is The Renewal Process of SBI Health Insurance?

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

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

Contact Details of SBI General Insurance

Contact Number: 1800 102 1111

Email Address: custome[dot]care[at]sbigeneral[dot]in

FAQs

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.

Page updated on 30-11-2020