SBI General Claim Process
  • SBI Claim Intimation
  • SBI TPA Appointment
  • SBI Claim Finalization
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Network hospitals

6000+

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Incurred claim ratio

73.92%

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Sum insured

Up to 2 CR

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No. of Plans

11

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Solvency Ratio

1.8

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Pan India Presence

141

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Age of Eldest Member

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Network hospitals

6000+

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Incurred claim ratio

73.92%

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Sum insured

Up to 2 CR

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No. of Plans

11

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Solvency Ratio

1.8

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Pan India Presence

141

SBI General Insurance Claim Process

SBI General Insurance is counted as one of the most well-known and reliable insurance companies in the nation. The company offers a list of comprehensive insurance products and has designed a seamless and customer-centric approach to handling claims. As we know unexpected situations often result in financial obligations, having a robust claim process is essential. The company designed a simple claim process that empowers policyholders and helps them along the way in processing a claim.

Health Insurance Companies: Policy and Claim Process

How To Claim SBI General Insurance

Customers can navigate the procedure by using a variety of platforms. Here is the comprehensive guide to filing a claim.

Step 1: Notifying About The Loss

Any damage that causes financial loss must be reported to the company by the policyholder. SBI general insurance will pay for the loss if it falls under the scope of the policy. So as to report the loss, the preferred methods of notifications are:

  • Customer can report their loss on the Customer Support Number of the company. They can call on the toll-free number: 1800-22-1111/1800-102-1111.
  • Submit the written request via email to the official email address: customer.care@sbigeneral.in.
  • Send an SMS to the company with 'CLAIMS' to 561612.
  • Fill out the claims form and mail it to the corporate office or SBIGIC branch or drop off the form in person at the branch. The address of the SBI General Insurance Corporate Office address is 9th Floor, A & B Wing, Fulcrum Building, Sahar Road, Andheri (East), Mumbai 400099.
  • Claims can even be filled via the official website of the company: https://www.sbigeneral.in/

Points to Be Considered:

  • Download the from the official website, under the 'Claims' section.
  • When you send an SMS to the company, an executive will call you back and guide you through the further steps of claim processing.
  • An executive from the company will call you back after receiving your written claim request via letter or email.

Information Required For Claim Intimation:

  • Policy Number
  • Or

  • Notifier Details ( First Name and Last Name/ Relationship to Insured/ Contact Details).
  • Insured Details(First Name and Last Name/ Relationship to Insured/Contact Details).
  • Asset Information: Building And Contents- Building Name and Address)
  • Date of Loss
  • Type Of Event

Points to be Noted

  • On receiving the intimation a unique 'Intimation ID/Claim Reference Number' will be provided to the notifier.
  • An estimated reserve will be assigned based on the 'Cause of Loss 'and 'Cover Type'.
  • In case the policy and risk cannot be found the claim is marked as 'Intimation Pending' by the company. The company will get back to the notifier to get more information.
  • Estimated Reserve: SBI General Insurance will assign a reserve based on coverage type and cause of loss. This cost represents the estimated cost of settling the claim.
  • The company then sends a notification to the internal teams and informs them about the claims.
  • The company generally sends alerts to the team if they have: Catastrophic events, claims exceeding the financial compensation of Rs 5,00,000, and claims that need the involvement of different departments.

Step 2: Appointment of Third-Party Administrator

SBI General Insurance Company will appoint Loss Accessor/Surveyor at any stage throughout the claim process. After the intimation has been received the company will assign a TPA who will access and minimise the further loss.

    Points to be Considered :
  • The company appoints the TPA to substantiate, repair, reinstate or recover the loss.
  • The appointment of the TPA is based on their certificate, geographic suitability, and experience.
  • Step 3: Assessment Of the Claim:

    Later TPA will assess the claim, and he will cross-check the authentication of the documents and details. After verification, the detailed approval of the requested claim will be sent within 30 days from the claim intimation.

    Step 4: Finalization oF Claim

    On approval of the claim, the final amount will be transferred to the bank account of the insured individual. The mode of payment may be through, Bank Cheque or NEFT. If the amount exceeds the branch limit, higher authority of the company will help to approve the payment.

    Declination Of the Claim:

    If the company determines that the claims are false, they go through an extended process to verify the accusations. The process is as follows:

    • If the TPA declines the claim. The company will assign the claim to the higher /regional level management.
    • The appointed personnel will access the reason for the declination and report back to the insured.
    • The company will even advise to go for grievance redressal if the claim notifier is not satisfied with the company's decision.

    Conclusion:

    SBI General Insurance Claim Process is a comprehensive and customer-friendly procedure. It ensures that the customers navigate through the process seamlessly. Providing various channels of communication and a reliable TPA service, the company strives to deliver the best possible support to its customers. Hence making the company, one of the leading general insurance companies in the nation.

    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.

    Sbi Health Plans

    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

    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

    SBI General Claim Process: FAQ's

    1. What if the company does not assign a TPA?

    If SBI general Insurance company doesn't assign a TPA, you can call on the toll-free number of the company and ask them to assist through the process or assign a TPA for guidance.

    2. What happens if the claims are rejected?

    In the case of claim rejection, the company informs the policyholder and may ask for more precise and valid information on claims. And even if the customer is not satisfied with the calm verification process, the company offers the policyholder to report their issues through grievance redressal.

    Health Insurance Companies

    SBI Health Insurance Reviews

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

    Customer Review Image

    V VIJAY

    Chennai

    September 4, 2024

    Today I received call from policy x.com Mr shubam sharma.he is clarified very well about health reimbursement. And u r s response is very good. Iam satisfied about it.

    Customer Review Image

    Simran Oberai

    Gurgaon

    February 26, 2024

    My search for the best cancer insurance plan for me ended with the SBI Critical Illness health insurance plan suggested by insurance experts at PolicyX.

    Customer Review Image

    Ritika Bhalla

    Kolkata

    February 16, 2024

    For all my SBI health insurance plan queries like premium comparison, renewal, and rider information I turn to PolicyX.

    Customer Review Image

    Sakshi Kapoor

    Ranchi

    February 16, 2024

    Maternity insurance was a major concern for me. PolicyX suggested the SBI Super Health Insurance which has got everything I need and more.

    Customer Review Image

    Toshani Yadav

    Meerut

    February 16, 2024

    I am extremely happy with PolicyX customer support, as I was stuck with a claim settlement request for my SBI Health Edge claims and they solved it quickly.

    Customer Review Image

    Bilal

    Bhopal

    February 16, 2024

    I am happy with the customer support of PolicyX as they helped me with the queries for my SBI Health Edge policy.

    Customer Review Image

    Thomas

    Kochi

    January 14, 2024

    Good insurance,hassle free clearance at aster medicity with help of aldun.covered full amount for my wife& 039;s maternity admission. New born charges were not covered

    Customer Review Image

    Piyush Kumar

    Indore

    May 1, 2023

    PolicyX offers a wide range of insurance options from various insurance providers. Their website allowed me to compare different policies and choose the one that best suits my needs and budget.

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    Bindiya Sinha

    Written By: Bindiya Sinha

    Bindiya is a seasoned content writer specializing in keeping readers acquainted with the insurance industry, term insurance developments, and life insurance sector shifts. With an experience of 3 years in insurance, Bindiya ensures that her readers stay well informed with the insurance developments and factually correct information.